Federal credit union · BATH, New York · NCUA charter #6225
Steuben Citizens
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $34.8M
- Total assets
- 2,566
- Members
- 12.2%
- Net-worth ratio
Steuben Citizens scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $34.8M; members 2,566; net-worth ratio 12.22%; health rank #3,532 of 4,374; healthier than 18th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,532 of 4,374 health · 2025Q4Steuben Citizens · health 71/100 · $34.8M · 2025Q4
- RANK 71/100
- PHOTO 12.2%
- BOOK 0.01%
- CHARTER -0.23%
- NCUSIF $34.8M
- CAMELS 2,566
- HEALTH #3,532/4,374
- NW SCHOFIELD
- DELQ 6225
Call Report peers
Steuben Citizens in the assets neighbourhood
Steuben Citizens's $34.8M assets sit next to SCHOFIELD ($34.8M) 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.
Steuben Citizens 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
71 18th percentile higher than 18% 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
Steuben Citizens - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #6225. See our deposit-insurance coverage note.
Steuben Citizens vs $10M–$50M peers
- Delinquency Rate leads the peer set - 0.01% here, 1.15% peer average (-1.14 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -30.34 pp (29.46% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Steuben Citizens sits in New York
- In New York, health place is #206 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #150 of 272.
- Member book place in New York: #156 of 272.
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 Steuben Citizens's 5300 filing moved
Steuben Citizens: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $34.8M (2025Q4) to $35.8M (2026Q1).
- Net-worth ratio shifted -0.22 pp (12.44% → 12.22%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.22%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 2.4 pts
- Member Growth 5.2 pts
- Loan-to-Share Ratio 8.4 pts
Call Report ratios for Steuben Citizens
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.22% | -2.64 pp |
| Delinquency Rate | 0.01% | -1.14 pp |
| Return on Assets | -0.23% | -0.94 pp |
| Member Growth | -2.10% | - |
| Loan-to-Share Ratio | 29.46% | -30.34 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $35.8M | - |
| 2025Q4 | $34.8M | 2,566 |
| 2024Q4 | $33.2M | 2,621 |
| 2023Q4 | $35.6M | 2,598 |
Credit Union Details
- Charter Number
- 6225
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- BATH
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Steuben Citizens, spread across 3 cities in 3 states.
| Office | City |
|---|---|
| Steuben Citizens Federal Credit Union (Main Office) | Bath, NY |
| Fiserv Portico | Flint, MI |
| Fiserv Portico | Salt Lake City, UT |
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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Steuben Citizens - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($34.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- Steuben Citizens ranks #3,532 of 4,374 nationally on financial health and #206 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ACADEMIC is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ACADEMIC
- 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 Steuben Citizens financially healthy?
Steuben Citizens scores 71/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,532 of 4,374; by total assets it ranks #2,725 of 4,374 nationally (same basis as /rankings/largest); and #150 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.22% net worth ratio and a 0.01% delinquency rate.
How does Steuben Citizens compare to other credit unions?
71/100 is Steuben Citizens's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Steuben Citizens?
Steuben Citizens 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 Steuben Citizens directly for the exact boundaries and application steps.
Is my money safe at Steuben Citizens?
Federal credit unions like Steuben Citizens 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. Steuben Citizens's net worth ratio of 12.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Steuben Citizens offer compared to banks?
Credit unions like Steuben Citizens 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 Steuben Citizens 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.