Federal credit union · SYRACUSE, New York · NCUA charter #20496
SECNY
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $310.4M
- Total assets
- 16,005
- Members
- 7.5%
- Net-worth ratio
SECNY scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $310.4M; members 16,005; net-worth ratio 7.49%; health rank #2,909 of 4,374; healthier than 33rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,909 of 4,374 health · 2025Q4SECNY · health 79/100 · $310.4M · 2025Q4
Call Report peers
SECNY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SECNY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SECNY sits in 75-79 with 502 others.
79 33rd percentile higher than 33% 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
Peer-gap read for SECNY
- Largest favorable gap: Delinquency Rate at 0.89% vs peer 0.89% (-0.01 pp).
- Loan-to-Share Ratio trails the peer set - 56.57% here, 72.20% peer average (-15.63 pp).
New York standing for SECNY
- In New York, health place is #164 of 272 on the same NCUA-ratio sort used nationally.
- Assets rank #48 of 272 inside New York ($310.4M reported).
- Membership ranks #48 of 272 among New York CUs with a reported count (16,005 members).
- One place up in New York, Town of Hempstead Employees (#163) ties at 79/100; one place down, Paul Quinn (#165) scores 78/100, 1 point lower.
How SECNY's 5300 filing moved
SECNY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $310.4M (2025Q4) to $318.0M (2026Q1).
- Net-worth ratio shifted -0.07 pp (7.56% → 7.49%).
7.49% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
SECNY gives up 21 points in total. Member Growth costs the most, 6.3 of its 15; Return on Assets loses the least, 1.1.
- Net Worth Ratio 23.7 pts
- Delinquency Rate 21.1 pts
- Return on Assets 13.9 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 11.6 pts
Call Report ratios for SECNY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.49% | -4.62 pp |
| Delinquency Rate | 0.89% | -0.01 pp |
| Return on Assets | 0.42% | -0.20 pp |
| Member Growth | -0.19% | - |
| Loan-to-Share Ratio | 56.57% | -15.63 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
SECNY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $318.0M | - |
| 2025Q4 | $310.4M | 16,005 |
| 2024Q4 | $286.9M | 16,036 |
| 2023Q4 | $286.1M | 16,058 |
Credit Union Details
- Charter Number
- 20496
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- SYRACUSE
- Data Quarter
- 2025Q4
Branch Locations (7)
SECNY operates 7 offices across 6 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Onondaga Hill (Main Office) | Syracuse, NY |
| Baldwinsville | Baldwinsville, NY |
| Fiserv-Portico | Frisco, TX |
| Manlius | Manlius, NY |
| North Syracuse | North Syracuse, NY |
| Skaneateles | Skaneateles, NY |
| Fairmount | 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.
Cross-state Call Report peers for SECNY
Using this data
- SECNY ranks #2,909 of 4,374 nationally on financial health and #164 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DANNEMORA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DANNEMORA
Frequently Asked Questions
Is SECNY financially healthy?
SECNY has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,909 of 4,374 nationally on health and #164 of 272 in New York. Its net worth ratio is 7.49% and its delinquency rate 0.89%.
How does SECNY compare to other credit unions?
SECNY scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.89% vs 0.89%). Its widest shortfall is loan-to-share ratio (56.57% vs 72.20%).
How can I join SECNY?
SECNY 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 SECNY directly for the exact boundaries and application steps.
Is my money safe at SECNY?
SECNY 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. SECNY's net worth ratio of 7.49% 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.