Federal credit union · PITTSFORD, New York · NCUA charter #19085
PITTSFORD
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $542.7M
- Total assets
- 21,238
- Members
- 11.6%
- Net-worth ratio
PITTSFORD scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $542.7M; members 21,238; net-worth ratio 11.63%; health rank #190 of 4,374; healthier than 95th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#190 of 4,374 health · 2025Q4PITTSFORD · health 97/100 · $542.7M · 2025Q4
Call Report peers
PITTSFORD in the assets neighbourhood
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PITTSFORD vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PITTSFORD sits in 95-99 with 391 others.
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
PITTSFORD: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.25% vs peer 0.87% (-0.62 pp).
- Largest lag: Loan-to-Share Ratio at 73.85% vs peer 83.90% (-10.05 pp).
Where PITTSFORD sits in New York
- Health composite ranks #13 of 272 among scored New York credit unions.
- By total assets, PITTSFORD is #33 of 272 in New York.
- Membership ranks #43 of 272 among New York CUs with a reported count (21,238 members).
- One place up in New York, Oswego Teachers Employees (#12) ties at 97/100; one place down, G.P.O. (#14) ties at 97/100.
How PITTSFORD's 5300 filing moved
PITTSFORD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $542.7M (2025Q4) to $544.7M (2026Q1).
- Net-worth ratio shifted +0.11 pp (11.52% → 11.63%).
This credit union's 11.63% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
PITTSFORD gives up 3 points in total. Return on Assets costs the most, 2 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.0 pts
- Member Growth 14.5 pts
- Loan-to-Share Ratio 14.5 pts
PITTSFORD vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.63% | +0.45 pp |
| Delinquency Rate | 0.25% | -0.62 pp |
| Return on Assets | 0.36% | -0.14 pp |
| Member Growth | 4.58% | - |
| Loan-to-Share Ratio | 73.85% | -10.05 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - PITTSFORD
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $544.7M | - |
| 2025Q4 | $542.7M | 21,238 |
| 2024Q4 | $529.2M | 20,307 |
| 2023Q4 | $529.3M | 20,830 |
Credit Union Details
- Charter Number
- 19085
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New York
- City
- PITTSFORD
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, PITTSFORD runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| PITTSFORD (Main Office) | Pittsford, NY |
| MENDON | Mendon, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Cross-state Call Report peers for PITTSFORD
Using this data
- PITTSFORD ranks #190 of 4,374 nationally on financial health and #13 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First New York is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First New York
Frequently Asked Questions
Is PITTSFORD financially healthy?
PITTSFORD has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #190 of 4,374 nationally on health and #13 of 272 in New York. Its net worth ratio is 11.63% and its delinquency rate 0.25%.
How does PITTSFORD compare to other credit unions?
PITTSFORD scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.25% vs 0.87%). Its widest shortfall is loan-to-share ratio (73.85% vs 83.90%).
How can I join PITTSFORD?
PITTSFORD 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 PITTSFORD directly for the exact boundaries and application steps.
Is my money safe at PITTSFORD?
PITTSFORD 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. PITTSFORD's net worth ratio of 11.63% 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.