Federal credit union · BUFFALO, New York · NCUA charter #15021
Morton Lane
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $65.5M
- Total assets
- 3,116
- Members
- 12.5%
- Net-worth ratio
Morton Lane scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $65.5M; members 3,116; net-worth ratio 12.51%; health rank #3,821 of 4,374; healthier than 12th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,821 of 4,374 health · 2025Q4Morton Lane · health 66/100 · $65.5M · 2025Q4
Call Report peers
Morton Lane in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Morton Lane vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Morton Lane sits in 65-69 with 275 others.
66 12th percentile higher than 12% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Morton Lane vs $50M–$100M peers
- Loan-to-Share Ratio trails the peer set - 53.46% here, 62.60% peer average (-9.14 pp).
Morton Lane in New York
- New York health ordinal: #221 of 272.
- New York assets place: #111 of 272.
- New York membership ordinal: #140 of 272.
- One place up in New York, Brooklyn Cooperative (#220) scores 67/100, 1 point higher; one place down, ROME (#222) ties at 66/100.
How Morton Lane's 5300 filing moved
Morton Lane: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.5% from $65.5M (2025Q4) to $63.8M (2026Q1).
- Net-worth ratio shifted +0.39 pp (12.12% → 12.51%).
This credit union's 12.51% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 66/100 score is built
Morton Lane gives up 34 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.5 pts
- Return on Assets 12.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.8 pts
Morton Lane health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.51% | -1.11 pp |
| Delinquency Rate | 2.01% | +1.04 pp |
| Return on Assets | 0.34% | -0.31 pp |
| Member Growth | -6.40% | - |
| Loan-to-Share Ratio | 53.46% | -9.14 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Morton Lane quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $63.8M | - |
| 2025Q4 | $65.5M | 3,116 |
| 2024Q4 | $65.3M | 3,329 |
| 2023Q4 | $63.7M | 3,477 |
Credit Union Details
- Charter Number
- 15021
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- BUFFALO
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Morton Lane runs 5 offices in 2 different cities.
| Office | City |
|---|---|
| MORTON LANE FCU (Main Office) | Buffalo, NY |
| BUFFALO STATE COLLEGE | BUFFALO, NY |
| ROSWELL PARK | Buffalo, NY |
| MORTON LANE FCU | BUFFALO, NY |
| BUFFLAO STATE COLLEGE | BUFFALO, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Other-state peers near Morton Lane
Similar total assets
Using this data
- Morton Lane ranks #3,821 of 4,374 nationally on financial health and #221 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kenmore N. Y. Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kenmore N. Y. Teachers
Frequently Asked Questions
Is Morton Lane financially healthy?
Morton Lane has a financial health score of 66/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,821 of 4,374 nationally on health and #221 of 272 in New York. Its net worth ratio is 12.51% and its delinquency rate 2.01%.
How does Morton Lane compare to other credit unions?
Morton Lane scores 66/100, higher than 12% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (53.46% vs 62.60%).
How can I join Morton Lane?
Morton Lane operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Morton Lane directly for the exact boundaries and application steps.
Is my money safe at Morton Lane?
Morton Lane is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Morton Lane's net worth ratio of 12.51% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.