Federal credit union · BUFFALO, New York · NCUA charter #20279
Sister's Hospital Employees
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $8.1M
- Total assets
- 1,383
- Members
- 11.8%
- Net-worth ratio
Sister's Hospital Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #20279: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Sister's Hospital Employees - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)57
- Member growth39
- Liquidity (loan-to-share)65
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.82% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.82% | 30% |
| Delinquency Rate | 0.20% | 25% |
| Return on Assets | 0.09% | 15% |
| Member Growth | -1.78% | 15% |
| Loan-to-Share Ratio | 41.73% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $8.1M | 1,383 |
| 2024Q4 | $7.6M | 1,408 |
| 2023Q4 | $8.7M | 1,440 |
Credit Union Details
- Charter Number
- 20279
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- New York
- City
- BUFFALO
- Data Quarter
- 2025Q4
What This Data Says About Sister's Hospital Employees
The five-factor composite scores Sister's Hospital Employees at 79/100 (Very Good), reflecting a net worth ratio of 11.82% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in BUFFALO, New York, reports 1,383 members, $8.1M in total assets, and $3.0M in outstanding loans as of Q4 2025 under charter #20279 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Deposits deployed into lending sit at a 41.73% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.20% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at 0.09% on net income of $7K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.78%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
- PENN SOUTH COOPERATIVENew York, NY · $2M–$10M75Health
- MAMTAMamaroneck, NY · $2M–$10M73Health
- LINTONTONAWANDA, NY · $2M–$10M85Health
- SENECA NATION OF INDIANSIRVING, NY · $2M–$10M79Health
- EVERESTJackson Heights, NY · $2M–$10M65Health
Compare Sister's Hospital Employees vs PENN SOUTH COOPERATIVE
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Sister's Hospital Employees financially healthy?
Yes/no aside, the number is 79/100 (Very Good) - Sister's Hospital Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.82% net worth ratio and 0.20% delinquency rate are the key drivers.
How does Sister's Hospital Employees compare to other credit unions?
PlainCU's health composite puts Sister's Hospital Employees at 79/100, compared to a peer group average for $2M–$10M 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 Sister's Hospital Employees?
Sister's Hospital Employees 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 Sister's Hospital Employees directly for the exact boundaries and application steps.
Is my money safe at Sister's Hospital Employees?
Federal credit unions like Sister's Hospital Employees 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. Sister's Hospital Employees's net worth ratio of 11.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sister's Hospital Employees offer compared to banks?
Credit unions like Sister's Hospital Employees 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 Sister's Hospital Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.