Federal credit union · Syracuse, New York · NCUA charter #23865
Syracuse Cooperative
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $46.4M
- Total assets
- 3,611
- Members
- 13.1%
- Net-worth ratio
Syracuse Cooperative scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $46.4M; members 3,611; net-worth ratio 13.12%; health rank #3,761 of 4,374; healthier than 13th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,761 of 4,374 health · 2025Q4Syracuse Cooperative · health 67/100 · $46.4M · 2025Q4
Call Report peers
Syracuse Cooperative in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Syracuse Cooperative vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Syracuse Cooperative sits in 65-69 with 275 others.
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Syracuse Cooperative diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 94.15% vs peer 59.80% (+34.35 pp).
- Delinquency Rate trails the peer set - 5.19% here, 1.15% peer average (+4.05 pp).
New York standing for Syracuse Cooperative
- Health composite ranks #219 of 272 among scored New York credit unions.
- New York assets place: #133 of 272.
- New York membership ordinal: #127 of 272.
- One place up in New York, American Broadcast Employees (#218) ties at 67/100; one place down, Brooklyn Cooperative (#220) ties at 67/100.
Syracuse Cooperative: 2025Q4 → 2026Q1
Syracuse Cooperative: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $46.4M (2025Q4) to $47.4M (2026Q1).
- Net-worth ratio shifted +1.27 pp (11.85% → 13.12%).
This credit union's 13.12% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 67/100 score is built
Syracuse Cooperative gives up 33 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 12.9 pts
Call Report ratios for Syracuse Cooperative
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.12% | -1.74 pp |
| Delinquency Rate | 5.19% | +4.05 pp |
| Return on Assets | 2.03% | +1.33 pp |
| Member Growth | 0.08% | - |
| Loan-to-Share Ratio | 94.15% | +34.35 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Syracuse Cooperative filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $47.4M | - |
| 2025Q4 | $46.4M | 3,611 |
| 2024Q4 | $41.0M | 3,608 |
| 2023Q4 | $40.3M | 6,088 |
Credit Union Details
- Charter Number
- 23865
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Syracuse
- Data Quarter
- 2025Q4
Branch Locations (3)
Syracuse Cooperative operates 3 offices in Syracuse, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Erie Blvd E (Main Office) | Syracuse, NY |
| Southwest Community Ctr | Syracuse, NY |
| Burt St Office | Syracuse, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Syracuse Cooperative ranks #3,761 of 4,374 nationally on financial health and #219 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- State Cs Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with State Cs Employees
Frequently Asked Questions
Is Syracuse Cooperative financially healthy?
On its 2025Q4 NCUA 5300 filing, Syracuse Cooperative scores 67/100 (Good), with a 13.12% net worth ratio and 5.19% of loans delinquent. It ranks #3,761 of 4,374 nationally on health and #219 of 272 in New York.
How does Syracuse Cooperative compare to other credit unions?
Syracuse Cooperative scores 67/100, higher than 13% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (94.15% vs 59.80%). Its widest shortfall is delinquency rate (5.19% vs 1.15%).
How can I join Syracuse Cooperative?
Syracuse Cooperative 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 Syracuse Cooperative directly for the exact boundaries and application steps.
Is my money safe at Syracuse Cooperative?
Syracuse Cooperative 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. Syracuse Cooperative's net worth ratio of 13.12% 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.