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.
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NCUA 5300 Call Report Masthead
#1,041 of 4,374 health · 2025Q4Suny Fredonia · health 90/100 · $46.0M · 2025Q4
Call Report peers
Suny Fredonia in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Suny Fredonia sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in New York, Buffalo Conrail (#57) ties at 90/100; one place down, Plattsburgh City School District (#59) ties at 90/100.
How Suny Fredonia's 5300 filing moved
Suny Fredonia: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $46.0M (2025Q4) to $48.2M (2026Q1).
- Net-worth ratio shifted -0.12 pp (18.26% → 18.14%).
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
Suny Fredonia gives up 10 points in total. Loan-to-Share Ratio costs the most, 5.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Suny Fredonia financially healthy?
On its 2025Q4 NCUA 5300 filing, Suny Fredonia scores 90/100 (Excellent), with a 18.14% net worth ratio and 0.39% of loans delinquent. It ranks #1,041 of 4,374 nationally on health and #58 of 272 in New York.
How does Suny Fredonia compare to other credit unions?
Suny Fredonia scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (18.14% vs 14.86%). Its widest shortfall is loan-to-share ratio (43.75% vs 59.80%).
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?
Suny Fredonia 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. Suny Fredonia's net worth ratio of 18.14% 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.