Federal credit union · Plattsburgh, New York · NCUA charter #12873
Plattsburgh City School District
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $8.9M
- Total assets
- 752
- Members
- 15.5%
- Net-worth ratio
Plattsburgh City School District scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.9M; members 752; net-worth ratio 15.48%; health rank #1,060 of 4,374; healthier than 73rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,060 of 4,374 health · 2025Q4Plattsburgh City School Dis… · health 90/100 · $8.9M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Plattsburgh City School District vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Plattsburgh City School District sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Plattsburgh City School District: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 89.69% here, 63.60% peer average (+26.09 pp).
- Net Worth Ratio trails the peer set - 15.48% here, 19.06% peer average (-3.58 pp).
Plattsburgh City School District in New York
- New York health ordinal: #59 of 272.
- By total assets, Plattsburgh City School District is #214 of 272 in New York.
- Member book place in New York: #225 of 272.
- One place up in New York, Suny Fredonia (#58) ties at 90/100; one place down, RADIUS (#60) ties at 90/100.
Plattsburgh City School District: 2025Q4 → 2026Q1
Plattsburgh City School District: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $8.9M (2025Q4) to $9.3M (2026Q1).
- Net-worth ratio shifted -0.31 pp (15.79% → 15.48%).
15.48% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Plattsburgh City School District gives up 10 points in total. Member Growth costs the most, 8.4 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 13.8 pts
- Member Growth 6.6 pts
- Loan-to-Share Ratio 14.6 pts
Plattsburgh City School District vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.48% | -3.58 pp |
| Delinquency Rate | 0.34% | -1.47 pp |
| Return on Assets | 0.42% | -0.03 pp |
| Member Growth | -1.31% | - |
| Loan-to-Share Ratio | 89.69% | +26.09 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Plattsburgh City School District
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.3M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Plattsburgh City School District.
| Office | City |
|---|---|
| Plattsburgh City School District FCU (Main Office) | Plattsburgh, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Other-state peers near Plattsburgh City School District
Similar health score
Using this data
- Plattsburgh City School District ranks #1,060 of 4,374 nationally on financial health and #59 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Division 726 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Division 726
Frequently Asked Questions
Is Plattsburgh City School District financially healthy?
Plattsburgh City School District has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,060 of 4,374 nationally on health and #59 of 272 in New York. Its net worth ratio is 15.48% and its delinquency rate 0.34%.
How does Plattsburgh City School District compare to other credit unions?
Plattsburgh City School District scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (89.69% vs 63.60%). Its widest shortfall is net worth ratio (15.48% vs 19.06%).
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?
Plattsburgh City School District 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. Plattsburgh City School District's net worth ratio of 15.48% 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.