Federal credit union · Solvay, New York · NCUA charter #8512
Salt City
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $109.5M
- Total assets
- 7,013
- Members
- 9.0%
- Net-worth ratio
Salt City scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $109.5M; members 7,013; net-worth ratio 8.96%; health rank #854 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#854 of 4,374 health · 2025Q4Salt City · health 92/100 · $109.5M · 2025Q4
- MEM 92/100
- RANK 9.0%
- PHOTO 1.06%
- BOOK 0.82%
- CHARTER $109.5M
- NCUSIF 7,013
- CAMELS #854/4,374
- HEALTH MUSKOGEE
- NW 8512
Call Report peers
Salt City in the assets neighbourhood
Salt City's $109.5M assets sit next to MUSKOGEE ($109.5M) 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.
Salt City 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
Salt City - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #8512, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Salt City: Call Report deltas vs peers
- Return on Assets leads the peer set - 0.82% here, 0.62% peer average (+0.20 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.15 pp (8.96% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Salt City: in-state Call Report ranks
- In New York, health place is #47 of 272 on the same NCUA-ratio sort used nationally.
- Assets rank #83 of 272 inside New York ($109.5M reported).
- New York membership ordinal: #91 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.
Salt City: 2025Q4 → 2026Q1
Salt City: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.8% from $109.5M (2025Q4) to $117.0M (2026Q1).
- Net-worth ratio shifted -0.51 pp (9.47% → 8.96%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.96%, 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 27.4 pts
- Delinquency Rate 19.5 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.1 pts
Salt City vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.96% | -3.15 pp |
| Delinquency Rate | 1.06% | +0.17 pp |
| Return on Assets | 0.82% | +0.20 pp |
| Member Growth | 5.16% | - |
| Loan-to-Share Ratio | 70.63% | -1.57 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).
Salt City filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $117.0M | - |
| 2025Q4 | $109.5M | 7,013 |
| 2024Q4 | $103.6M | 6,669 |
| 2023Q4 | $90.9M | 6,529 |
Credit Union Details
- Charter Number
- 8512
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Solvay
- Data Quarter
- 2025Q4
Branch Locations (2)
Salt City operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Solvay Office (Main Office) | Solvay, NY |
| Valley Office | Syracuse, 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 Salt City
Two NCUA Call Report peer sets for Salt City, 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 ($109.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Salt City ranks #854 of 4,374 nationally on financial health and #47 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- One Credit Union of Ny is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with One Credit Union of Ny
- 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 Salt City financially healthy?
A 8.96% net worth ratio and a 1.06% delinquency rate feed into Salt City's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #854 of 4,374; by total assets it ranks #1,749 of 4,374 nationally (same basis as /rankings/largest); and #83 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Salt City compare to other credit unions?
PlainCU's health composite puts Salt City at 92/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Salt City?
Salt City 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 Salt City directly for the exact boundaries and application steps.
Is my money safe at Salt City?
Federal credit unions like Salt City 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. Salt City's net worth ratio of 8.96% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Salt City offer compared to banks?
Credit unions like Salt City 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 Salt City 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.