Federal credit union · AMHERST, New York · NCUA charter #11470
Sweet Home
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $44.8M
- Total assets
- 2,864
- Members
- 13.0%
- Net-worth ratio
Sweet Home scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.8M; members 2,864; net-worth ratio 13.03%; health rank #1,796 of 4,374; healthier than 57th of scored peers.
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NCUA 5300 Call Report Masthead
#1,796 of 4,374 health · 2025Q4Sweet Home · health 86/100 · $44.8M · 2025Q4
Call Report peers
Sweet Home in the assets neighbourhood
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Sweet Home vs every NCUA-scored credit union
Sweet Home sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Sweet Home
- Return on Assets leads the peer set - 1.76% here, 0.70% peer average (+1.06 pp).
- Largest lag: Loan-to-Share Ratio at 53.26% vs peer 59.80% (-6.54 pp).
New York standing for Sweet Home
- Health composite ranks #104 of 272 among scored New York credit unions.
- By total assets, Sweet Home is #135 of 272 in New York.
- New York membership ordinal: #145 of 272.
- One place up in New York, The Finest (#103) ties at 86/100; one place down, Oswego County (#105) ties at 86/100.
Quarter path for Sweet Home
Sweet Home: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $44.8M (2025Q4) to $44.7M (2026Q1).
- Net-worth ratio shifted +0.38 pp (12.65% → 13.03%).
At 13.03%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
Sweet Home gives up 14 points in total. Member Growth costs the most, 10.2 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 4.8 pts
- Loan-to-Share Ratio 11.2 pts
Call Report ratios for Sweet Home
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.03% | -1.83 pp |
| Delinquency Rate | 0.49% | -0.65 pp |
| Return on Assets | 1.76% | +1.06 pp |
| Member Growth | -2.35% | - |
| Loan-to-Share Ratio | 53.26% | -6.54 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Sweet Home
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $44.7M | - |
| 2025Q4 | $44.8M | 2,864 |
| 2024Q4 | $42.5M | 2,933 |
| 2023Q4 | $43.4M | 2,893 |
Credit Union Details
- Charter Number
- 11470
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- AMHERST
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Sweet Home runs one office.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Amherst, 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 Sweet Home
Similar total assets
Similar health score
Using this data
- Sweet Home ranks #1,796 of 4,374 nationally on financial health and #104 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Affinity One is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Affinity One
Frequently Asked Questions
Is Sweet Home financially healthy?
Sweet Home has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,796 of 4,374 nationally on health and #104 of 272 in New York. Its net worth ratio is 13.03% and its delinquency rate 0.49%.
How does Sweet Home compare to other credit unions?
Sweet Home scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.76% vs 0.70%). Its widest shortfall is loan-to-share ratio (53.26% vs 59.80%).
How can I join Sweet Home?
Sweet Home 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 Sweet Home directly for the exact boundaries and application steps.
Is my money safe at Sweet Home?
Sweet Home 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. Sweet Home's net worth ratio of 13.03% 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.