Federal credit union · Clarence, New York · NCUA charter #9812
North Towns
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $48.4M
- Total assets
- 3,015
- Members
- 8.6%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)88
- Asset quality (delinquency)82
- Earnings (ROA)100
- Member growth42
- Liquidity (loan-to-share)93
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.59%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.59% | 30% |
| Delinquency Rate | 0.95% | 25% |
| Return on Assets | 0.57% | 15% |
| Member Growth | -1.50% | 15% |
| Loan-to-Share Ratio | 65.53% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About North Towns
Headquartered in Clarence, New York, North Towns is a federal credit union with 3,015 members, $48.4M in total assets, and $28.7M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 82/100 (Excellent), driven in part by a net worth ratio of 8.59% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #9812 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.95% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 65.53% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.57% on net income of $278K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.50%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 82/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.59% 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 82/100, 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 8.59% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.