Federal credit union · Spencerport, New York · NCUA charter #14884
SPENCERPORT
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $41.3M
- Total assets
- 4,465
- Members
- 9.1%
- Net-worth ratio
SPENCERPORT scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $41.3M; members 4,465; net-worth ratio 9.10%; health rank #2,784 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,784 of 4,374 health · 2025Q4SPENCERPORT · health 80/100 · $41.3M · 2025Q4
Call Report peers
SPENCERPORT in the assets neighbourhood
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SPENCERPORT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SPENCERPORT sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SPENCERPORT vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Return on Assets: +0.08 pp (0.79% vs 0.70%).
- Net Worth Ratio trails the peer set - 9.10% here, 14.86% peer average (-5.76 pp).
SPENCERPORT in New York
- In New York, health place is #155 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #141 of 272.
- Member book place in New York: #115 of 272.
- One place up in New York, Kenmore N. Y. Teachers (#154) ties at 80/100; one place down, USALLIANCE (#156) ties at 80/100.
Quarter path for SPENCERPORT
SPENCERPORT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $41.3M (2025Q4) to $42.7M (2026Q1).
- Net-worth ratio shifted -0.20 pp (9.30% → 9.10%).
This credit union's 9.10% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
SPENCERPORT gives up 20 points in total. Delinquency Rate costs the most, 10.9 of its 25; Return on Assets scores full marks.
- Net Worth Ratio 27.8 pts
- Delinquency Rate 14.1 pts
- Return on Assets 15.0 pts
- Member Growth 11.0 pts
- Loan-to-Share Ratio 12.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.10% | -5.76 pp |
| Delinquency Rate | 1.79% | +0.64 pp |
| Return on Assets | 0.79% | +0.08 pp |
| Member Growth | 1.64% | - |
| Loan-to-Share Ratio | 59.06% | -0.74 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - SPENCERPORT
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $42.7M | - |
| 2025Q4 | $41.3M | 4,465 |
| 2024Q4 | $39.6M | 4,393 |
| 2023Q4 | $39.5M | 4,437 |
Credit Union Details
- Charter Number
- 14884
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Spencerport
- Data Quarter
- 2025Q4
Branch Location
SPENCERPORT operates a single office in Spencerport, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Spencerport, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
SPENCERPORT nationwide neighbourhoods
Using this data
- SPENCERPORT ranks #2,784 of 4,374 nationally on financial health and #155 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AMHERST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AMHERST
Frequently Asked Questions
Is SPENCERPORT financially healthy?
SPENCERPORT has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,784 of 4,374 nationally on health and #155 of 272 in New York. Its net worth ratio is 9.10% and its delinquency rate 1.79%.
How does SPENCERPORT compare to other credit unions?
SPENCERPORT scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (0.79% vs 0.70%). Its widest shortfall is net worth ratio (9.10% vs 14.86%).
How can I join SPENCERPORT?
SPENCERPORT 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 SPENCERPORT directly for the exact boundaries and application steps.
Is my money safe at SPENCERPORT?
SPENCERPORT 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. SPENCERPORT's net worth ratio of 9.10% 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.