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
Call Report peers
One Credit Union of Ny in the assets neighbourhood
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
One Credit Union of Ny sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in New York, CIRCUIT (#68) ties at 89/100; one place down, RT (#70) ties at 89/100.
How One Credit Union of Ny's 5300 filing moved
One Credit Union of Ny: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $110.1M (2025Q4) to $111.8M (2026Q1).
- Net-worth ratio shifted +0.08 pp (12.97% → 13.05%).
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
One Credit Union of Ny gives up 11 points in total. Member Growth costs the most, 6.3 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is One Credit Union of Ny financially healthy?
One Credit Union of Ny has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,247 of 4,374 nationally on health and #69 of 272 in New York. Its net worth ratio is 13.05% and its delinquency rate 0.51%.
How does One Credit Union of Ny compare to other credit unions?
One Credit Union of Ny scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.05% vs 12.11%). Its widest shortfall is loan-to-share ratio (43.39% vs 72.20%).
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?
One Credit Union of Ny is a state-chartered 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. One Credit Union of Ny's net worth ratio of 13.05% 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.