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
NCUA 5300 Call Report Masthead
#970 of 4,374 health · 2025Q4Ontario Shores · health 91/100 · $196.2M · 2025Q4
- ASSETS 91/100
- MEM 10.7%
- RANK 1.00%
- PHOTO 0.89%
- BOOK $196.2M
- CHARTER 11,720
- NCUSIF #970/4,374
- CAMELS AREA
- HEALTH 14462
Ontario Shores in the assets neighbourhood
Ontario Shores's $196.2M assets sit next to AREA ($196.3M) 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.
Ontario Shores 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
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
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.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 Ontario Shores's 5300 filing moved
Ontario Shores: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $196.2M (2025Q4) to $201.9M (2026Q1).
- Net-worth ratio shifted -0.06 pp (10.79% → 10.73%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- 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 |
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).
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
Cross-state asset and health neighbours for Ontario Shores - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($196.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
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
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #970 of 4,374; by total assets it ranks #1,288 of 4,374 nationally (same basis as /rankings/largest); and #58 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.73% 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 10.73% 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.
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.