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
Call Report peers
Salt City in the assets neighbourhood
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Salt City vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Salt City sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in New York, First New York (#46) ties at 92/100; one place down, TEG (#48) ties at 92/100.
Salt City: 2025Q4 → 2026Q1
Salt City: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.8% from $109.5M (2025Q4) to $117.0M (2026Q1).
- Net-worth ratio shifted -0.51 pp (9.47% → 8.96%).
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
Salt City gives up 8 points in total. Delinquency Rate costs the most, 5.5 of its 25; Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Salt City financially healthy?
Salt City has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #854 of 4,374 nationally on health and #47 of 272 in New York. Its net worth ratio is 8.96% and its delinquency rate 1.06%.
How does Salt City compare to other credit unions?
Salt City scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (0.82% vs 0.62%). Its widest shortfall is net worth ratio (8.96% vs 12.11%).
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?
Salt City 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. Salt City's net worth ratio of 8.96% 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.