Federal credit union · Sidney, New York · NCUA charter #6011
SIDNEY
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $1.22B
- Total assets
- 75,308
- Members
- 10.1%
- Net-worth ratio
SIDNEY scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.22B; members 75,308; net-worth ratio 10.13%; health rank #984 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#984 of 4,374 health · 2025Q4SIDNEY · health 91/100 · $1.22B · 2025Q4
Call Report peers
SIDNEY in the assets neighbourhood
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SIDNEY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SIDNEY sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SIDNEY: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +9.55 pp (93.45% vs 83.90%).
- Largest lag: Net Worth Ratio at 10.13% vs peer 11.18% (-1.05 pp).
Where SIDNEY sits in New York
- Health composite ranks #54 of 272 among scored New York credit unions.
- New York assets place: #22 of 272.
- New York membership ordinal: #19 of 272.
- One place up in New York, Ontario Shores (#53) ties at 91/100; one place down, STEWART'S (#55) ties at 91/100.
SIDNEY Call Report trajectory
SIDNEY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.9% from $1.22B (2025Q4) to $1.28B (2026Q1).
- Net-worth ratio shifted -0.16 pp (10.29% → 10.13%).
This credit union's 10.13% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
SIDNEY gives up 9 points in total. Delinquency Rate costs the most, 6 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.9 pts
- Loan-to-Share Ratio 13.1 pts
SIDNEY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.13% | -1.05 pp |
| Delinquency Rate | 1.13% | +0.26 pp |
| Return on Assets | 0.58% | +0.08 pp |
| Member Growth | 4.06% | - |
| Loan-to-Share Ratio | 93.45% | +9.55 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
SIDNEY quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.28B | - |
| 2025Q4 | $1.22B | 75,308 |
| 2024Q4 | $1.05B | 72,369 |
| 2023Q4 | $940.7M | 69,849 |
Credit Union Details
- Charter Number
- 6011
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New York
- City
- Sidney
- Data Quarter
- 2025Q4
Branch Locations (13)
The NCUA branch filing lists 13 physical offices for SIDNEY, spread across 12 cities.
| Office | City |
|---|---|
| Sidney (Main Office) | Sidney, NY |
| Amsterdam | Amsterdam, NY |
| Bainbridge | Bainbridge, NY |
| Cicero | Cicero, NY |
| Delhi | Delhi, NY |
| Greene | Greene, NY |
| Hancock | Hancock, NY |
| Liverpool | Liverpool, NY |
| Morris | Morris, NY |
| Norwich | Norwich, NY |
| Market St., Oneonta | Oneonta, NY |
| Oneida St., Oneonta | Oneonta, NY |
| Walton | Walton, 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.
SIDNEY nationwide neighbourhoods
Using this data
- SIDNEY ranks #984 of 4,374 nationally on financial health and #54 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SUNMARK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SUNMARK
Frequently Asked Questions
Is SIDNEY financially healthy?
On its 2025Q4 NCUA 5300 filing, SIDNEY scores 91/100 (Excellent), with a 10.13% net worth ratio and 1.13% of loans delinquent. It ranks #984 of 4,374 nationally on health and #54 of 272 in New York.
How does SIDNEY compare to other credit unions?
SIDNEY scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (93.45% vs 83.90%). Its widest shortfall is net worth ratio (10.13% vs 11.18%).
How can I join SIDNEY?
SIDNEY 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 SIDNEY directly for the exact boundaries and application steps.
Is my money safe at SIDNEY?
SIDNEY 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. SIDNEY's net worth ratio of 10.13% 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.