Federal credit union · Rome, New York · NCUA charter #1810
Rome
Health score 66/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $31.6M
- Total assets
- 1,826
- Members
- 10.2%
- Net-worth ratio
Rome - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #1810 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Rome - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)20
- Earnings (ROA)100
- Member growth30
- Liquidity (loan-to-share)77
Weighted composite: 66/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.18%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.18% | 30% |
| Delinquency Rate | 3.21% | 25% |
| Return on Assets | 0.85% | 15% |
| Member Growth | -2.51% | 15% |
| Loan-to-Share Ratio | 54.90% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $31.6M | 1,826 |
| 2024Q4 | $29.5M | 1,873 |
| 2023Q4 | $26.3M | 1,926 |
Credit Union Details
- Charter Number
- 1810
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Rome
- Data Quarter
- 2025Q4
What This Data Says About Rome
Headquartered in Rome, New York, Rome is a federal credit union with 1,826 members, $31.6M in total assets, and $15.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 66/100 (Good), driven in part by a net worth ratio of 10.18% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #1810 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
3.21% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 54.90% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.85% on net income of $268K 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 -2.51%. 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: Community). 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
Other federally-insured credit unions in New York, closest first by peer group and asset size.
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 Rome financially healthy?
Rome has a financial health score of 66/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.18% and delinquency rate of 3.21%.
How does Rome compare to other credit unions?
Rome scores 66/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Rome?
Rome 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 Rome directly for the exact boundaries and application steps.
Is my money safe at Rome?
Federal credit unions like Rome 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. Rome's net worth ratio of 10.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Rome offer compared to banks?
Credit unions like Rome 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 Rome 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.