Federal credit union · Cheektowaga, New York · NCUA charter #20292

Sloan Public Schools

Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

87
Health / 100
$1.7M
Total assets
491
Members
15.7%
Net-worth ratio

Sloan Public Schools - Share Insurance Coverage

Charter #20292's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.

NCUSIF coverage gauge for Sloan Public Schools Share insurance under NCUSIF covers up to $250,000 per share owner. Sloan Public Schools holds approximately $1.5M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 15.7 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 15.7% · $1.5M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Sloan Public Schools - 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) 15.66% 30% weight
  • Asset quality (delinquency) 0.71% 25% weight
  • Earnings (ROA) 0.23% 15% weight
  • Member growth 0.41% 15% weight
  • Liquidity (loan-to-share) 92% 15% weight

Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

This credit union's 15.66% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.

$1.7M
Total Assets
491
Members
$1.4M
Total Loans
$1.5M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 15.66% 30%
Delinquency Rate 0.71% 25%
Return on Assets 0.23% 15%
Member Growth 0.41% 15%
Loan-to-Share Ratio 92.06% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $1.7M 491
2024Q4 $1.7M 489
2023Q4 $1.8M 495

Credit Union Details

Charter Number
20292
Type
Federal
Field of Membership
Single Common Bond
Peer Group
Under $2M
State
New York
City
Cheektowaga
Data Quarter
2025Q4

What This Data Says About Sloan Public Schools

Charter #20292, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's Sloan Public Schools, a federal credit union in Cheektowaga, New York with 491 members, $1.7M in total assets, and $1.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 87/100 (Excellent), helped by a net worth ratio of 15.66% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.

Loan book quality rounds out the picture. The delinquency rate of 0.71% measures loans 60+ days past due against total loans outstanding - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. The loan-to-share ratio of 92.06% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.23% on net income of $4K 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 0.41%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Single Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.

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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 Sloan Public Schools financially healthy?

Sloan Public Schools scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.66% net worth ratio and a 0.71% delinquency rate.

How does Sloan Public Schools compare to other credit unions?

Sloan Public Schools scores 87/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Sloan Public Schools?

Sloan Public Schools is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Sloan Public Schools directly to confirm eligibility.

Is my money safe at Sloan Public Schools?

Federal credit unions like Sloan Public Schools 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. Sloan Public Schools's net worth ratio of 15.66% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Sloan Public Schools offer compared to banks?

Credit unions like Sloan Public Schools 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 Sloan Public Schools 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.