Federal credit union · Kenmore, New York · NCUA charter #24715
RADIUS
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $87.0M
- Total assets
- 7,764
- Members
- 15.4%
- Net-worth ratio
RADIUS scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $87.0M; members 7,764; net-worth ratio 15.40%; health rank #1,062 of 4,374; healthier than 73rd of scored peers.
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NCUA 5300 Call Report Masthead
#1,062 of 4,374 health · 2025Q4RADIUS · health 90/100 · $87.0M · 2025Q4
Call Report peers
RADIUS in the assets neighbourhood
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RADIUS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); RADIUS 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
RADIUS vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 70.11% here, 62.60% peer average (+7.51 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.71 pp (1.68% vs 0.96%).
RADIUS: in-state Call Report ranks
- New York health ordinal: #60 of 272.
- Assets rank #100 of 272 inside New York ($87.0M reported).
- Member book place in New York: #84 of 272.
- One place up in New York, Plattsburgh City School District (#59) ties at 90/100; one place down, C C S E (#61) ties at 90/100.
How RADIUS's 5300 filing moved
RADIUS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $87.0M (2025Q4) to $87.9M (2026Q1).
- Net-worth ratio shifted +3.45 pp (11.95% → 15.40%).
At 15.40%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
RADIUS gives up 10 points in total. Delinquency Rate costs the most, 10.1 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.9 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for RADIUS
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.40% | +1.78 pp |
| Delinquency Rate | 1.68% | +0.71 pp |
| Return on Assets | 0.78% | +0.12 pp |
| Member Growth | 54.69% | - |
| Loan-to-Share Ratio | 70.11% | +7.51 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - RADIUS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $87.9M | - |
| 2025Q4 | $87.0M | 7,764 |
| 2024Q4 | $65.4M | 5,019 |
| 2023Q4 | $65.2M | 5,276 |
Credit Union Details
- Charter Number
- 24715
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- Kenmore
- Data Quarter
- 2025Q4
Branch Locations (2)
RADIUS operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Delaware Avenue (Main Office) | Kenmore, NY |
| Angola | Angola, 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.
Nationwide credit unions with similar profiles
Using this data
- RADIUS ranks #1,062 of 4,374 nationally on financial health and #60 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lower East Side People's is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lower East Side People's
Frequently Asked Questions
Is RADIUS financially healthy?
On its 2025Q4 NCUA 5300 filing, RADIUS scores 90/100 (Excellent), with a 15.40% net worth ratio and 1.68% of loans delinquent. It ranks #1,062 of 4,374 nationally on health and #60 of 272 in New York.
How does RADIUS compare to other credit unions?
RADIUS scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (70.11% vs 62.60%). Its widest shortfall is delinquency rate (1.68% vs 0.96%).
How can I join RADIUS?
RADIUS 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 RADIUS directly for the exact boundaries and application steps.
Is my money safe at RADIUS?
RADIUS 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. RADIUS's net worth ratio of 15.40% 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.