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
Call Report peers
Southern Chautauqua in the assets neighbourhood
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Southern Chautauqua vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Southern Chautauqua sits in 90-94 with 747 others.
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 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).
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).
- One place up in New York, Cobblestone Country (#38) ties at 92/100; one place down, Saint Lawrence (#40) ties at 92/100.
How Southern Chautauqua's 5300 filing moved
Southern Chautauqua: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $162.3M (2025Q4) to $166.3M (2026Q1).
- Net-worth ratio shifted -3.33 pp (16.93% → 13.60%).
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
Southern Chautauqua gives up 8 points in total. Delinquency Rate costs the most, 7.6 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Southern Chautauqua financially healthy?
Southern Chautauqua has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #760 of 4,374 nationally on health and #39 of 272 in New York. Its net worth ratio is 13.60% and its delinquency rate 1.35%.
How does Southern Chautauqua compare to other credit unions?
Southern Chautauqua scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (86.26% vs 72.20%). Its widest shortfall is delinquency rate (1.35% vs 0.89%).
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?
Southern Chautauqua 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. Southern Chautauqua's net worth ratio of 13.60% 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.