Federal credit union · Lakewood, New York · NCUA charter #9107
Southern Chautauqua
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $162.3M
- Total assets
- 21,094
- Members
- 13.0%
- Net-worth ratio
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 - 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)70
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.99%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.99% | 30% |
| Delinquency Rate | 1.35% | 25% |
| Return on Assets | 1.87% | 15% |
| Member Growth | 6.58% | 15% |
| Loan-to-Share Ratio | 86.26% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Southern Chautauqua
Headquartered in Lakewood, New York, Southern Chautauqua is a federal credit union with 21,094 members, $162.3M in total assets, and $116.6M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 92/100 (Excellent), driven in part by a net worth ratio of 12.99% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #9107 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.35% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. The loan-to-share ratio of 86.26% 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 1.87% on net income of $3.0M 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 6.58%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
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 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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.99% 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 12.99% 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.
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.