Federal credit union · NEW HARTFORD, New York · NCUA charter #14522
Special Metals
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $22.2M
- Total assets
- 1,813
- Members
- 10.8%
- Net-worth ratio
Special Metals scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $22.2M; members 1,813; net-worth ratio 10.85%; health rank #1,298 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,298 of 4,374 health · 2025Q4Special Metals · health 89/100 · $22.2M · 2025Q4
Call Report peers
Special Metals in the assets neighbourhood
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Special Metals vs every NCUA-scored credit union
Special Metals sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
Where Special Metals diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 63.99% vs peer 59.80% (+4.19 pp).
- Net Worth Ratio trails the peer set - 10.85% here, 14.86% peer average (-4.01 pp).
Special Metals: in-state Call Report ranks
- In New York, health place is #72 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #177 of 272.
- New York membership ordinal: #184 of 272.
- One place up in New York, People's Alliance (#71) ties at 89/100; one place down, AMHERST (#73) ties at 89/100.
Quarter path for Special Metals
Special Metals: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.7% from $22.2M (2025Q4) to $23.6M (2026Q1).
- Net-worth ratio shifted -1.11 pp (11.96% → 10.85%).
10.85% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Special Metals gives up 11 points in total. Delinquency Rate costs the most, 9.4 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.6 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.4 pts
Special Metals vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.85% | -4.01 pp |
| Delinquency Rate | 1.58% | +0.44 pp |
| Return on Assets | 0.63% | -0.07 pp |
| Member Growth | 78.09% | - |
| Loan-to-Share Ratio | 63.99% | +4.19 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.6M | - |
| 2025Q4 | $22.2M | 1,813 |
| 2024Q4 | $20.5M | 1,018 |
| 2023Q4 | $14.5M | 1,091 |
Credit Union Details
- Charter Number
- 14522
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- NEW HARTFORD
- Data Quarter
- 2025Q4
Branch Location
Special Metals operates a single office in New Hartford, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | New Hartford, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Special Metals
Similar total assets
Similar health score
Using this data
- Special Metals ranks #1,298 of 4,374 nationally on financial health and #72 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Local 804 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Local 804
Frequently Asked Questions
Is Special Metals financially healthy?
On its 2025Q4 NCUA 5300 filing, Special Metals scores 89/100 (Excellent), with a 10.85% net worth ratio and 1.58% of loans delinquent. It ranks #1,298 of 4,374 nationally on health and #72 of 272 in New York.
How does Special Metals compare to other credit unions?
Special Metals scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (63.99% vs 59.80%). Its widest shortfall is net worth ratio (10.85% vs 14.86%).
How can I join Special Metals?
Special Metals 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 Special Metals directly for the exact boundaries and application steps.
Is my money safe at Special Metals?
Special Metals 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. Special Metals's net worth ratio of 10.85% 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.