Federal credit union · Plattsburgh, New York · NCUA charter #12873
Plattsburgh City School District
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $8.9M
- Total assets
- 752
- Members
- 15.8%
- Net-worth ratio
Plattsburgh City School District - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #12873, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Plattsburgh City School District - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)92
- Member growth44
- Liquidity (loan-to-share)100
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
15.79% 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 | 15.79% | 30% |
| Delinquency Rate | 0.34% | 25% |
| Return on Assets | 0.42% | 15% |
| Member Growth | -1.31% | 15% |
| Loan-to-Share Ratio | 89.69% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $8.9M | 752 |
| 2024Q4 | $8.4M | 762 |
| 2023Q4 | $8.3M | 757 |
Credit Union Details
- Charter Number
- 12873
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- New York
- City
- Plattsburgh
- Data Quarter
- 2025Q4
What This Data Says About Plattsburgh City School District
Headquartered in Plattsburgh, New York, Plattsburgh City School District is a federal credit union with 752 members, $8.9M in total assets, and $6.7M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 90/100 (Excellent), driven in part by a net worth ratio of 15.79% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #12873 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Two more numbers round out the picture: a 0.34% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers - and a 89.69% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.42% on net income of $38K 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 -1.31%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Single Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
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 Plattsburgh City School District financially healthy?
Plattsburgh City School District scores 90/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.79% net worth ratio and a 0.34% delinquency rate.
How does Plattsburgh City School District compare to other credit unions?
Plattsburgh City School District scores 90/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Plattsburgh City School District?
Plattsburgh City School District is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Plattsburgh City School District directly to confirm eligibility.
Is my money safe at Plattsburgh City School District?
Federal credit unions like Plattsburgh City School District 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. Plattsburgh City School District's net worth ratio of 15.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Plattsburgh City School District offer compared to banks?
Credit unions like Plattsburgh City School District 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 Plattsburgh City School District 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.