Federal credit union · SCOTIA, New York · NCUA charter #10773
Stratton Air National Guard
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $975K
- Total assets
- 870
- Members
- 38.5%
- Net-worth ratio
Stratton Air National Guard scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $975K; members 870; net-worth ratio 38.49%; health rank #431 of 4,374; healthier than 87th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#431 of 4,374 health · 2025Q4Stratton Air National Guard · health 94/100 · $975K · 2025Q4
- PHOTO 94/100
- BOOK 38.5%
- CHARTER 0.00%
- NCUSIF 0.91%
- CAMELS $975K
- HEALTH 870
- NW #431/4,374
- DELQ n/a
- ROA 10773
Call Report peers
Stratton Air National Guard carries $975K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Stratton Air National Guard 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
94 Top 13% higher than 87% 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
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 vs Under $2M peers
- Strongest edge vs 243 Under $2M peers is Net Worth Ratio: +15.56 pp (38.49% vs 22.93%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Stratton Air National Guard sits in New York
- In New York, health place is #27 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #258 of 272.
- Member book place in New York: #219 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.
Stratton Air National Guard: 2025Q4 → 2026Q1
Stratton Air National Guard: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.6% from $975K (2025Q4) to $930K (2026Q1).
- Net-worth ratio shifted +2.15 pp (36.34% → 38.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 38.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 14.9 pts
Stratton Air National Guard vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 38.49% | +15.56 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.91% | +0.69 pp |
| Member Growth | 0.12% | - |
| Loan-to-Share Ratio | 68.03% | +15.33 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Stratton Air National Guard quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $930K | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, Stratton Air National Guard runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| 1 air national guard rd (Main Office) | scotia, NY |
| mohawk progressive fcu | schenectady, NY |
| scotia lockup | scotia, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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 $2M65Health
- BECCO BUFFALOTonawanda, NY · Under $2M98Health
Stratton Air National Guard nationwide neighbourhoods
Stratton Air National Guard's nationwide photo peers by assets and by health score, excluding New York charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Stratton Air National Guard ranks #431 of 4,374 nationally on financial health and #27 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Church of the Master is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Church of the Master
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #431 of 4,374; by total assets it ranks #4,242 of 4,374 nationally (same basis as /rankings/largest); and #258 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 38.49% 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 38.49% 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.
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.