Federal credit union · IRVING, New York · NCUA charter #24863
Seneca Nation of Indians
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $8.6M
- Total assets
- 2,635
- Members
- 12.8%
- Net-worth ratio
Seneca Nation of Indians scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.6M; members 2,635; net-worth ratio 12.76%; health rank #2,856 of 4,374; healthier than 33rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,856 of 4,374 health · 2025Q4Seneca Nation of Indians · health 79/100 · $8.6M · 2025Q4
- MEM 79/100
- RANK 12.8%
- PHOTO 3.36%
- BOOK 3.36%
- CHARTER $8.6M
- NCUSIF 2,635
- CAMELS #2,856/4,374
- HEALTH n/a
- NW 24863
Seneca Nation of Indians carries $8.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Seneca Nation of Indians 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
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
Seneca Nation of Indians - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24863: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Seneca Nation of Indians vs $2M–$10M peers
- Largest favorable gap: Loan-to-Share Ratio at 73.99% vs peer 63.60% (+10.39 pp).
- Widest shortfall vs peers is Net Worth Ratio: -6.30 pp (12.76% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Seneca Nation of Indians sits in New York
- Health composite ranks #161 of 272 among scored New York credit unions.
- New York assets place: #216 of 272.
- Membership ranks #152 of 272 among New York CUs with a reported count (2,635 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Seneca Nation of Indians Call Report trajectory
Seneca Nation of Indians: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +13.7% from $8.6M (2025Q4) to $9.8M (2026Q1).
- Net-worth ratio shifted -1.56 pp (14.32% → 12.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 4.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Seneca Nation of Indians vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.76% | -6.30 pp |
| Delinquency Rate | 3.36% | +1.55 pp |
| Return on Assets | 3.36% | +2.91 pp |
| Member Growth | 5.53% | - |
| Loan-to-Share Ratio | 73.99% | +10.39 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Seneca Nation of Indians quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.8M | - |
| 2025Q4 | $8.6M | 2,635 |
| 2024Q4 | $8.0M | 2,497 |
| 2023Q4 | $7.2M | 2,376 |
Credit Union Details
- Charter Number
- 24863
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $2M–$10M
- State
- New York
- City
- IRVING
- Data Quarter
- 2025Q4
Branch Locations (2)
Seneca Nation of Indians operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Seneca Nation of Indians FCU (Main Office) | Irving, NY |
| Seneca Nation of Indians FCU | Salamanca, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Seneca Nation of Indians - kept outside New York; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Seneca Nation of Indians ranks #2,856 of 4,374 nationally on financial health and #161 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EVEREST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EVEREST
- 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 Seneca Nation of Indians financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Seneca Nation of Indians carries a financial health score of 79/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,856 of 4,374; by total assets it ranks #3,632 of 4,374 nationally (same basis as /rankings/largest); and #216 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.76% net worth ratio and a 3.36% delinquency rate.
How does Seneca Nation of Indians compare to other credit unions?
On PlainCU's health composite, Seneca Nation of Indians lands at 79/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Seneca Nation of Indians?
Seneca Nation of Indians 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 Seneca Nation of Indians directly for the exact boundaries and application steps.
Is my money safe at Seneca Nation of Indians?
Federal credit unions like Seneca Nation of Indians 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. Seneca Nation of Indians's net worth ratio of 12.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Seneca Nation of Indians offer compared to banks?
Credit unions like Seneca Nation of Indians 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 Seneca Nation of Indians 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.