Federal credit union · Lakewood, New York · NCUA charter #9107
Southern Chautauqua
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $162.3M
- Total assets
- 21,094
- Members
- 13.6%
- Net-worth ratio
Southern Chautauqua scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $162.3M; members 21,094; net-worth ratio 13.60%; health rank #760 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#760 of 4,374 health · 2025Q4Southern Chautauqua · health 92/100 · $162.3M · 2025Q4
- DELQ 92/100
- ROA 13.6%
- ASSETS 1.35%
- MEM 1.87%
- RANK $162.3M
- PHOTO 21,094
- BOOK #760/4,374
- CHARTER Jackson Area
- NCUSIF 9107
Call Report peers
Southern Chautauqua in the assets neighbourhood
Southern Chautauqua's $162.3M assets sit next to Jackson Area ($162.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Southern Chautauqua 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
92 Top 20% higher than 80% 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
Southern Chautauqua - Share Insurance Coverage
Charter #9107'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.
Southern Chautauqua vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 86.26% here, 72.20% peer average (+14.06 pp).
- Delinquency Rate trails the peer set - 1.35% here, 0.89% peer average (+0.45 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Southern Chautauqua
- New York health ordinal: #39 of 272.
- Assets rank #68 of 272 inside New York ($162.3M reported).
- Membership ranks #44 of 272 among New York CUs with a reported count (21,094 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.
How Southern Chautauqua's 5300 filing moved
Southern Chautauqua: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $162.3M (2025Q4) to $166.3M (2026Q1).
- Net-worth ratio shifted -3.33 pp (16.93% → 13.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.4 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for Southern Chautauqua
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.60% | +1.49 pp |
| Delinquency Rate | 1.35% | +0.45 pp |
| Return on Assets | 1.87% | +1.24 pp |
| Member Growth | 6.58% | - |
| Loan-to-Share Ratio | 86.26% | +14.06 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Southern Chautauqua quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $166.3M | - |
| 2025Q4 | $162.3M | 21,094 |
| 2024Q4 | $151.4M | 19,791 |
| 2023Q4 | $141.1M | 18,881 |
Credit Union Details
- Charter Number
- 9107
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Lakewood
- Data Quarter
- 2025Q4
Branch Locations (10)
Per its most recent NCUA branch filing, Southern Chautauqua runs 10 offices in 7 different cities.
| Office | City |
|---|---|
| Lakewood (Main Office) | Lakewood, NY |
| Cherry Creek | Cherry Creek, NY |
| Clymer | Clymer, NY |
| Dunkirk | Dunkirk, NY |
| Falconer High School | Falconer, NY |
| Frewsburg High School | Frewsburg, NY |
| Jamestown | Jamestown, NY |
| Jamestown High School | Jamestown, NY |
| Southwestern Central School | Jamestown, NY |
| Corporate Office | Lakewood, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Southern Chautauqua nationwide neighbourhoods
Cross-state asset and health neighbours for Southern Chautauqua - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($162.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Southern Chautauqua ranks #760 of 4,374 nationally on financial health and #39 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Greater Woodlawn is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Greater Woodlawn
- 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 Southern Chautauqua financially healthy?
Southern Chautauqua has a financial health score of 92/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #760 of 4,374; by total assets it ranks #1,438 of 4,374 nationally (same basis as /rankings/largest); and #68 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.60% and delinquency rate of 1.35%.
How does Southern Chautauqua compare to other credit unions?
On PlainCU's health composite, Southern Chautauqua lands at 92/100, compared to a peer group average for $100M–$500M 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 Southern Chautauqua?
Southern Chautauqua 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 Southern Chautauqua directly for the exact boundaries and application steps.
Is my money safe at Southern Chautauqua?
Federal credit unions like Southern Chautauqua 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. Southern Chautauqua's net worth ratio of 13.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southern Chautauqua offer compared to banks?
Credit unions like Southern Chautauqua 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 Southern Chautauqua 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.