Federal credit union · Buffalo, New York · NCUA charter #22464
Tonawanda Community
Health score 92/100, grade A (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 scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $47.9M; members 5,271; net-worth ratio 10.70%; health rank #819 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#819 of 4,374 health · 2025Q4Tonawanda Community · health 92/100 · $47.9M · 2025Q4
Call Report peers
Tonawanda Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Tonawanda Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Tonawanda Community sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Tonawanda Community: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.68 pp (0.46% vs 1.15%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -26.46 pp (33.34% vs 59.80%).
Tonawanda Community: in-state Call Report ranks
- Health composite ranks #44 of 272 among scored New York credit unions.
- By total assets, Tonawanda Community is #129 of 272 in New York.
- New York membership ordinal: #107 of 272.
- One place up in New York, Westside Community (#43) ties at 92/100; one place down, ADVANTAGE (#45) ties at 92/100.
How Tonawanda Community's 5300 filing moved
Tonawanda Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $47.9M (2025Q4) to $49.6M (2026Q1).
- Net-worth ratio shifted -0.05 pp (10.75% → 10.70%).
10.70% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Tonawanda Community gives up 8 points in total. Loan-to-Share Ratio costs the most, 6 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 12.6 pts
- Loan-to-Share Ratio 9.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.70% | -4.16 pp |
| Delinquency Rate | 0.46% | -0.68 pp |
| Return on Assets | 0.80% | +0.10 pp |
| Member Growth | 2.99% | - |
| Loan-to-Share Ratio | 33.34% | -26.46 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Tonawanda Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $49.6M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, Tonawanda Community runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Main (Main Office) | Buffalo, NY |
| Compusource | 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.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Tonawanda Community ranks #819 of 4,374 nationally on financial health and #44 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- North Towns is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with North Towns
Frequently Asked Questions
Is Tonawanda Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Tonawanda Community scores 92/100 (Excellent), with a 10.70% net worth ratio and 0.46% of loans delinquent. It ranks #819 of 4,374 nationally on health and #44 of 272 in New York.
How does Tonawanda Community compare to other credit unions?
Tonawanda Community scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.46% vs 1.15%). Its widest shortfall is loan-to-share ratio (33.34% vs 59.80%).
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?
Tonawanda Community 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. Tonawanda Community's net worth ratio of 10.70% 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.