Federal credit union · SYRACUSE, New York · NCUA charter #6627
Syracuse Fire Department Employees
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $141.8M
- Total assets
- 6,704
- Members
- 14.9%
- Net-worth ratio
Syracuse Fire Department Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #6627: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Syracuse Fire Department Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)81
- Earnings (ROA)100
- Member growth88
- Liquidity (loan-to-share)89
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 14.87%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.87% | 30% |
| Delinquency Rate | 0.97% | 25% |
| Return on Assets | 1.20% | 15% |
| Member Growth | 3.47% | 15% |
| Loan-to-Share Ratio | 62.82% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $141.8M | 6,704 |
| 2024Q4 | $130.9M | 6,479 |
| 2023Q4 | $124.7M | 6,231 |
Credit Union Details
- Charter Number
- 6627
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- New York
- City
- SYRACUSE
- Data Quarter
- 2025Q4
What This Data Says About Syracuse Fire Department Employees
Headquartered in SYRACUSE, New York, Syracuse Fire Department Employees is a federal credit union with 6,704 members, $141.8M in total assets, and $75.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 92/100 (Excellent), driven in part by a net worth ratio of 14.87% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #6627 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 0.97% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Meanwhile a 62.82% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.20% on net income of $1.7M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 3.47%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Multiple Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
- BUFFALO METROPOLITANBUFFALO, NY · $100M–$500M71Health
- MERIDIA COMMUNITYHAMBURG, NY · $100M–$500M97Health
- TOWN OF HEMPSTEAD EMPLOYEESNORTH BALDWIN, NY · $100M–$500M79Health
- OSWEGO COUNTYOSWEGO, NY · $100M–$500M86Health
- GREAT ERIEORCHARD PARK, NY · $100M–$500M100Health
Compare Syracuse Fire Department Employees vs BUFFALO METROPOLITAN
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Syracuse Fire Department Employees financially healthy?
Syracuse Fire Department Employees scores 92/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.87% net worth ratio and a 0.97% delinquency rate.
How does Syracuse Fire Department Employees compare to other credit unions?
On PlainCU's health composite, Syracuse Fire Department Employees lands at 92/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Syracuse Fire Department Employees?
Syracuse Fire Department Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Syracuse Fire Department Employees directly for the current list of qualifying groups.
Is my money safe at Syracuse Fire Department Employees?
Federal credit unions like Syracuse Fire Department Employees 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. Syracuse Fire Department Employees's net worth ratio of 14.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Syracuse Fire Department Employees offer compared to banks?
Credit unions like Syracuse Fire Department Employees 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 Syracuse Fire Department Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.