Federal credit union · FREDONIA, New York · NCUA charter #21851
Suny Fredonia
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $46.0M
- Total assets
- 3,349
- Members
- 18.1%
- Net-worth ratio
Suny Fredonia scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $46.0M; members 3,349; net-worth ratio 18.14%; health rank #1,041 of 4,374; healthier than 73rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,041 of 4,374 health · 2025Q4Suny Fredonia · health 90/100 · $46.0M · 2025Q4
- PHOTO 90/100
- BOOK 18.1%
- CHARTER 0.39%
- NCUSIF 2.37%
- CAMELS $46.0M
- HEALTH 3,349
- NW #1,041/4,374
- DELQ Baptist Health
- ROA 21851
Call Report peers
Suny Fredonia in the assets neighbourhood
Suny Fredonia's $46.0M assets sit next to Baptist Health ($46.0M) 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.
Suny Fredonia 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
90 Top 27% higher than 73% 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
Suny Fredonia - Share Insurance Coverage
Charter #21851'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.
Suny Fredonia: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 18.14% here, 14.86% peer average (+3.28 pp).
- Largest lag: Loan-to-Share Ratio at 43.75% vs peer 59.80% (-16.05 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Suny Fredonia in New York
- In New York, health place is #58 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, Suny Fredonia is #134 of 272 in New York.
- New York membership ordinal: #131 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 Suny Fredonia's 5300 filing moved
Suny Fredonia: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.6% from $46.0M (2025Q4) to $48.2M (2026Q1).
- Net-worth ratio shifted -0.12 pp (18.26% → 18.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 18.14%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 10.0 pts
Suny Fredonia vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.14% | +3.28 pp |
| Delinquency Rate | 0.39% | -0.76 pp |
| Return on Assets | 2.37% | +1.66 pp |
| Member Growth | 0.84% | - |
| Loan-to-Share Ratio | 43.75% | -16.05 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).
Call Report history - Suny Fredonia
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $48.2M | - |
| 2025Q4 | $46.0M | 3,349 |
| 2024Q4 | $43.9M | 3,321 |
| 2023Q4 | $43.6M | 3,332 |
Credit Union Details
- Charter Number
- 21851
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- FREDONIA
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Suny Fredonia runs one office.
| Office | City |
|---|---|
| SUNY FREDONIA FCU (Main Office) | FREDONIA, NY |
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.
Cross-state Call Report peers for Suny Fredonia
Suny Fredonia's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($46.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Suny Fredonia ranks #1,041 of 4,374 nationally on financial health and #58 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Syracuse Cooperative is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Syracuse Cooperative
- 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 Suny Fredonia financially healthy?
Yes/no aside, the number is 90/100 (Excellent) - Suny Fredonia's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,041 of 4,374; by total assets it ranks #2,463 of 4,374 nationally (same basis as /rankings/largest); and #134 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.14% net worth ratio and 0.39% delinquency rate are the key drivers.
How does Suny Fredonia compare to other credit unions?
90/100 is Suny Fredonia'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 Suny Fredonia?
Suny Fredonia 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 Suny Fredonia directly for the exact boundaries and application steps.
Is my money safe at Suny Fredonia?
Federal credit unions like Suny Fredonia 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. Suny Fredonia's net worth ratio of 18.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Suny Fredonia offer compared to banks?
Credit unions like Suny Fredonia 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 Suny Fredonia 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.