Federal credit union · Newfane, New York · NCUA charter #14462
Ontario Shores
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $196.2M
- Total assets
- 11,720
- Members
- 9.9%
- Net-worth ratio
Ontario Shores - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #14462. See our deposit-insurance coverage note.
Ontario Shores - 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)99
- Asset quality (delinquency)80
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)73
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.94% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.94% | 30% |
| Delinquency Rate | 1.00% | 25% |
| Return on Assets | 0.89% | 15% |
| Member Growth | 11.82% | 15% |
| Loan-to-Share Ratio | 52.17% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $196.2M | 11,720 |
| 2024Q4 | $159.2M | 10,481 |
| 2023Q4 | $145.4M | 8,598 |
Credit Union Details
- Charter Number
- 14462
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Newfane
- Data Quarter
- 2025Q4
What This Data Says About Ontario Shores
Charter #14462, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Ontario Shores, a federal credit union in Newfane, New York with 11,720 members, $196.2M in total assets, and $90.8M in outstanding loans as of Q4 2025. The five-factor composite scores it 91/100 (Excellent), helped by a net worth ratio of 9.94% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 1.00% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. The loan-to-share ratio of 52.17% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.89% on net income of $1.8M 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 11.82%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match 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 Ontario Shores financially healthy?
Yes/no aside, the number is 91/100 (Excellent) - Ontario Shores's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.94% net worth ratio and 1.00% delinquency rate are the key drivers.
How does Ontario Shores compare to other credit unions?
On PlainCU's health composite, Ontario Shores lands at 91/100, compared to a peer group average for $100M–$500M 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 Ontario Shores?
Ontario Shores 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 Ontario Shores directly for the exact boundaries and application steps.
Is my money safe at Ontario Shores?
Federal credit unions like Ontario Shores 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. Ontario Shores's net worth ratio of 9.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ontario Shores offer compared to banks?
Credit unions like Ontario Shores 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 Ontario Shores 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.