Federal credit union · SCOTIA, New York · NCUA charter #10773
Stratton Air National Guard
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $975K
- Total assets
- 870
- Members
- 22.2%
- Net-worth ratio
Stratton Air National Guard - Share Insurance Coverage
Charter #10773's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Stratton Air National Guard - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth61
- Liquidity (loan-to-share)97
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 22.23% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 22.23% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.91% | 15% |
| Member Growth | 0.12% | 15% |
| Loan-to-Share Ratio | 68.03% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $975K | 870 |
| 2024Q4 | $887K | 869 |
| 2023Q4 | $905K | 860 |
Credit Union Details
- Charter Number
- 10773
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- New York
- City
- SCOTIA
- Data Quarter
- 2025Q4
What This Data Says About Stratton Air National Guard
Charter #10773, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's Stratton Air National Guard, a federal credit union in SCOTIA, New York with 870 members, $975K in total assets, and $422K in outstanding loans as of Q4 2025. The five-factor composite scores it 94/100 (Excellent), helped by a net worth ratio of 22.23% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers - and a 68.03% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.91% on net income of $9K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.12%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
- CHURCH OF THE MASTERNEW YORK, NY · Under $2M65Health
- MOUNT VERNON NY POSTAL EMPLOYEESMount Vernon, NY · Under $2M73Health
- B.S. AND C.P. HOSPITALS EMPLOYEESBronx, NY · Under $2M70Health
- ABYSSINIAN BAPTIST CHURCHNEW YORK CITY, NY · Under $2M48Health
- BECCO BUFFALOTonawanda, NY · Under $2M98Health
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Stratton Air National Guard financially healthy?
Stratton Air National Guard has a financial health score of 94/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 22.23% and delinquency rate of 0.00%.
How does Stratton Air National Guard compare to other credit unions?
Stratton Air National Guard scores 94/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Stratton Air National Guard?
Membership eligibility for Stratton Air National Guard depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Stratton Air National Guard directly for current membership requirements and application steps.
Is my money safe at Stratton Air National Guard?
Federal credit unions like Stratton Air National Guard 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. Stratton Air National Guard's net worth ratio of 22.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Stratton Air National Guard offer compared to banks?
Credit unions like Stratton Air National Guard 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 Stratton Air National Guard directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.