State credit union · Cheektowaga, New York · NCUA charter #60716
One Credit Union of Ny
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $110.1M
- Total assets
- 8,998
- Members
- 13.1%
- Net-worth ratio
One Credit Union of Ny scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $110.1M; members 8,998; net-worth ratio 13.05%; health rank #1,247 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,247 of 4,374 health · 2025Q4One Credit Union of Ny · health 89/100 · $110.1M · 2025Q4
- ASSETS 89/100
- MEM 13.1%
- RANK 0.51%
- PHOTO 1.40%
- BOOK $110.1M
- CHARTER 8,998
- NCUSIF #1,247/4,374
- CAMELS First California
- HEALTH 60716
Call Report peers
One Credit Union of Ny in the assets neighbourhood
One Credit Union of Ny's $110.1M assets sit next to First California ($109.8M) 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.
One Credit Union of Ny 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
89 Top 31% higher than 69% 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
One Credit Union of Ny - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60716, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where One Credit Union of Ny diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 13.05% vs peer 12.11% (+0.94 pp).
- Largest lag: Loan-to-Share Ratio at 43.39% vs peer 72.20% (-28.81 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
One Credit Union of Ny: in-state Call Report ranks
- Health composite ranks #69 of 272 among scored New York credit unions.
- Assets rank #82 of 272 inside New York ($110.1M reported).
- Member book place in New York: #78 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 One Credit Union of Ny's 5300 filing moved
One Credit Union of Ny: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $110.1M (2025Q4) to $111.8M (2026Q1).
- Net-worth ratio shifted +0.08 pp (12.97% → 13.05%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.05%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.9 pts
- Return on Assets 15.0 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 10.4 pts
One Credit Union of Ny health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.05% | +0.94 pp |
| Delinquency Rate | 0.51% | -0.39 pp |
| Return on Assets | 1.40% | +0.78 pp |
| Member Growth | -0.18% | - |
| Loan-to-Share Ratio | 43.39% | -28.81 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $111.8M | - |
| 2025Q4 | $110.1M | 8,998 |
| 2024Q4 | $103.6M | 9,014 |
| 2023Q4 | $81.2M | 7,058 |
Credit Union Details
- Charter Number
- 60716
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- New York
- City
- Cheektowaga
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for One Credit Union of Ny, spread across 3 cities.
| Office | City |
|---|---|
| Union Road (Main Office) | Cheektowaga, NY |
| VA Medical Center | Buffalo, NY |
| South Towns | Lackawanna, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
One Credit Union of Ny nationwide neighbourhoods
One Credit Union of Ny's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($110.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- One Credit Union of Ny ranks #1,247 of 4,374 nationally on financial health and #69 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Salt City is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Salt City
- 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 One Credit Union of Ny financially healthy?
A 13.05% net worth ratio and a 0.51% delinquency rate feed into One Credit Union of Ny's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,247 of 4,374; by total assets it ranks #1,746 of 4,374 nationally (same basis as /rankings/largest); and #82 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does One Credit Union of Ny compare to other credit unions?
Five weighted metrics from NCUA filings produce One Credit Union of Ny's 89/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 One Credit Union of Ny?
Membership eligibility for One Credit Union of Ny depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact One Credit Union of Ny directly for current membership requirements and application steps.
Is my money safe at One Credit Union of Ny?
Federal credit unions like One Credit Union of Ny 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. One Credit Union of Ny's net worth ratio of 13.05% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does One Credit Union of Ny offer compared to banks?
Credit unions like One Credit Union of Ny 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 One Credit Union of Ny 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.