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
Call Report peers
Steuben Citizens in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Steuben Citizens sits in 70-74 with 317 others.
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 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%).
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.
- One place up in New York, Buffalo Metropolitan (#205) ties at 71/100; one place down, Le Roy (#207) ties at 71/100.
How Steuben Citizens's 5300 filing moved
Steuben Citizens: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $34.8M (2025Q4) to $35.8M (2026Q1).
- Net-worth ratio shifted -0.22 pp (12.44% → 12.22%).
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
Steuben Citizens gives up 29 points in total. Return on Assets costs the most, 12.6 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Steuben Citizens financially healthy?
Steuben Citizens has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,532 of 4,374 nationally on health and #206 of 272 in New York. Its net worth ratio is 12.22% and its delinquency rate 0.01%.
How does Steuben Citizens compare to other credit unions?
Steuben Citizens scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.01% vs 1.15%). Its widest shortfall is loan-to-share ratio (29.46% vs 59.80%).
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?
Steuben Citizens 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. Steuben Citizens's net worth ratio of 12.22% 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.