Federal credit union · Ogdensburg, New York · NCUA charter #9871
Saint Lawrence
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $258.6M
- Total assets
- 13,311
- Members
- 11.4%
- Net-worth ratio
Saint Lawrence scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $258.6M; members 13,311; net-worth ratio 11.40%; health rank #795 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#795 of 4,374 health · 2025Q4Saint Lawrence · health 92/100 · $258.6M · 2025Q4
- NW 92/100
- DELQ 11.4%
- ROA 0.89%
- ASSETS 0.73%
- MEM $258.6M
- RANK 13,311
- PHOTO #795/4,374
- BOOK St. Paul
- CHARTER 9871
Saint Lawrence in the assets neighbourhood
Saint Lawrence's $258.6M assets sit next to St. Paul ($258.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Saint Lawrence vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Saint Lawrence - Share Insurance Coverage
Charter #9871's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Saint Lawrence vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 81.31% here, 72.20% peer average (+9.11 pp).
- Largest lag: Net Worth Ratio at 11.40% vs peer 12.11% (-0.71 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Saint Lawrence
- Health composite ranks #40 of 272 among scored New York credit unions.
- By total assets, Saint Lawrence is #51 of 272 in New York.
- New York membership ordinal: #60 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Saint Lawrence
Saint Lawrence: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $258.6M (2025Q4) to $267.7M (2026Q1).
- Net-worth ratio shifted -0.25 pp (11.65% → 11.40%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.40%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.1 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 14.6 pts
Saint Lawrence health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.40% | -0.71 pp |
| Delinquency Rate | 0.89% | -0.00 pp |
| Return on Assets | 0.73% | +0.11 pp |
| Member Growth | 1.94% | - |
| Loan-to-Share Ratio | 81.31% | +9.11 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Saint Lawrence
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $267.7M | - |
| 2025Q4 | $258.6M | 13,311 |
| 2024Q4 | $243.5M | 13,058 |
| 2023Q4 | $236.0M | 12,677 |
Credit Union Details
- Charter Number
- 9871
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Ogdensburg
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Saint Lawrence, spread across 5 cities.
| Office | City |
|---|---|
| Commerce Park Drive (Main Office) | Ogdensburg, NY |
| Court Street | Canton, NY |
| 111 Church Street | Hermon, NY |
| 81 State Street | Heuvelton, NY |
| State Street | Ogdensburg, NY |
| State Highway 56 | Potsdam, 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.
Saint Lawrence nationwide neighbourhoods
Two NCUA Call Report peer sets for Saint Lawrence, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($258.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Saint Lawrence ranks #795 of 4,374 nationally on financial health and #40 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Niagara's Choice is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Niagara's Choice
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Saint Lawrence financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - Saint Lawrence's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #795 of 4,374; by total assets it ranks #1,118 of 4,374 nationally (same basis as /rankings/largest); and #51 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.40% net worth ratio and 0.89% delinquency rate are the key drivers.
How does Saint Lawrence compare to other credit unions?
Saint Lawrence scores 92/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Saint Lawrence?
Saint Lawrence 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 Saint Lawrence directly for the exact boundaries and application steps.
Is my money safe at Saint Lawrence?
Federal credit unions like Saint Lawrence 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. Saint Lawrence's net worth ratio of 11.40% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Saint Lawrence offer compared to banks?
Credit unions like Saint Lawrence 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 Saint Lawrence directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.