Federal credit union · Buffalo, New York · NCUA charter #22464
Tonawanda Community
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $47.9M
- Total assets
- 5,271
- Members
- 10.7%
- Net-worth ratio
Tonawanda Community - Share Insurance Coverage
Charter #22464'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.
Tonawanda Community - 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)100
- Earnings (ROA)100
- Member growth84
- Liquidity (loan-to-share)60
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.75% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.75% | 30% |
| Delinquency Rate | 0.46% | 25% |
| Return on Assets | 0.80% | 15% |
| Member Growth | 2.99% | 15% |
| Loan-to-Share Ratio | 33.34% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $47.9M | 5,271 |
| 2024Q4 | $44.7M | 5,118 |
| 2023Q4 | $44.6M | 5,100 |
Credit Union Details
- Charter Number
- 22464
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Buffalo
- Data Quarter
- 2025Q4
What This Data Says About Tonawanda Community
Headquartered in Buffalo, New York, Tonawanda Community is a federal credit union with 5,271 members, $47.9M in total assets, and $14.2M 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 10.75% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #22464 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.46% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 33.34% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.80% on net income of $384K 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 2.99%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
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 Tonawanda Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Tonawanda Community carries a financial health score of 92/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.75% net worth ratio and a 0.46% delinquency rate.
How does Tonawanda Community compare to other credit unions?
Tonawanda Community scores 92/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Tonawanda Community?
Tonawanda Community 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 Tonawanda Community directly for the exact boundaries and application steps.
Is my money safe at Tonawanda Community?
Federal credit unions like Tonawanda Community 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. Tonawanda Community's net worth ratio of 10.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tonawanda Community offer compared to banks?
Credit unions like Tonawanda Community 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 Tonawanda Community 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.