Federal credit union · Clarence, New York · NCUA charter #9812
North Towns
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $48.4M
- Total assets
- 3,015
- Members
- 9.6%
- Net-worth ratio
North Towns scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $48.4M; members 3,015; net-worth ratio 9.61%; health rank #2,012 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,012 of 4,374 health · 2025Q4North Towns · health 85/100 · $48.4M · 2025Q4
- RANK 85/100
- PHOTO 9.6%
- BOOK 0.95%
- CHARTER 0.57%
- NCUSIF $48.4M
- CAMELS 3,015
- HEALTH #2,012/4,374
- NW Central Jersey Police & Fire
- DELQ 9812
Call Report peers
North Towns in the assets neighbourhood
North Towns's $48.4M assets sit next to Central Jersey Police & Fire ($48.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
North Towns vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
85 Top 46% higher than 54% 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
North Towns - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9812, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
North Towns: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +5.73 pp (65.53% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -5.25 pp (9.61% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for North Towns
- New York health ordinal: #116 of 272.
- By total assets, North Towns is #128 of 272 in New York.
- Member book place in New York: #143 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How North Towns's 5300 filing moved
North Towns: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $48.4M (2025Q4) to $49.2M (2026Q1).
- Net-worth ratio shifted +0.22 pp (9.39% → 9.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.61%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 29.0 pts
- Delinquency Rate 20.5 pts
- Return on Assets 15.0 pts
- Member Growth 6.3 pts
- Loan-to-Share Ratio 14.2 pts
Call Report ratios for North Towns
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.61% | -5.25 pp |
| Delinquency Rate | 0.95% | -0.20 pp |
| Return on Assets | 0.57% | -0.13 pp |
| Member Growth | -1.50% | - |
| Loan-to-Share Ratio | 65.53% | +5.73 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
North Towns filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $49.2M | - |
| 2025Q4 | $48.4M | 3,015 |
| 2024Q4 | $44.3M | 3,061 |
| 2023Q4 | $40.5M | 3,072 |
Credit Union Details
- Charter Number
- 9812
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Clarence
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for North Towns.
| Office | City |
|---|---|
| North Towns FCU (Main Office) | Clarence, NY |
| Clarence High School | Clarence, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for North Towns, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($48.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- North Towns ranks #2,012 of 4,374 nationally on financial health and #116 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tonawanda Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tonawanda Community
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is North Towns financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, North Towns carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,012 of 4,374; by total assets it ranks #2,428 of 4,374 nationally (same basis as /rankings/largest); and #128 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.61% net worth ratio and a 0.95% delinquency rate.
How does North Towns compare to other credit unions?
On PlainCU's health composite, North Towns lands at 85/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join North Towns?
North Towns 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 North Towns directly for the exact boundaries and application steps.
Is my money safe at North Towns?
Federal credit unions like North Towns are 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. North Towns's net worth ratio of 9.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does North Towns offer compared to banks?
Credit unions like North Towns are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact North Towns directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.