Federal credit union · Newfane, New York · NCUA charter #14462
Ontario Shores
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $196.2M
- Total assets
- 11,720
- Members
- 10.7%
- Net-worth ratio
Ontario Shores scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $196.2M; members 11,720; net-worth ratio 10.73%; health rank #970 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
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Ontario Shores vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Ontario Shores sits in 90-94 with 747 others.
91 Top 23% higher than 77% 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
Peer-gap read for Ontario Shores
- Return on Assets leads the peer set - 0.89% here, 0.62% peer average (+0.27 pp).
- Largest lag: Loan-to-Share Ratio at 52.17% vs peer 72.20% (-20.03 pp).
Ontario Shores in New York
- New York health ordinal: #53 of 272.
- New York assets place: #58 of 272.
- Membership ranks #65 of 272 among New York CUs with a reported count (11,720 members).
- One place up in New York, Cvph Employees (#52) ties at 91/100; one place down, SIDNEY (#54) ties at 91/100.
How Ontario Shores's 5300 filing moved
Ontario Shores: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $196.2M (2025Q4) to $201.9M (2026Q1).
- Net-worth ratio shifted -0.06 pp (10.79% → 10.73%).
10.73% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Ontario Shores gives up 9 points in total. Delinquency Rate costs the most, 5 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 11.0 pts
Ontario Shores vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.73% | -1.38 pp |
| Delinquency Rate | 1.00% | +0.10 pp |
| Return on Assets | 0.89% | +0.27 pp |
| Member Growth | 11.82% | - |
| Loan-to-Share Ratio | 52.17% | -20.03 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Ontario Shores filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $201.9M | - |
| 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
Branch Locations (5)
Ontario Shores operates 5 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Ontario Shores FCU Newfane (Main Office) | Newfane, NY |
| Ontario Shores FCU Pendleton | Lockport, NY |
| Ontario Shores FCU Medina | Medina, NY |
| Newfane High School Branch | Newfane, NY |
| Ontario Shores FCU Lewiston | Youngstown, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Ontario Shores nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Ontario Shores ranks #970 of 4,374 nationally on financial health and #53 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Financial Trust is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Financial Trust
Frequently Asked Questions
Is Ontario Shores financially healthy?
On its 2025Q4 NCUA 5300 filing, Ontario Shores scores 91/100 (Excellent), with a 10.73% net worth ratio and 1.00% of loans delinquent. It ranks #970 of 4,374 nationally on health and #53 of 272 in New York.
How does Ontario Shores compare to other credit unions?
Ontario Shores scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (0.89% vs 0.62%). Its widest shortfall is loan-to-share ratio (52.17% vs 72.20%).
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?
Ontario Shores is a federal 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. Ontario Shores's net worth ratio of 10.73% 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.