Federal credit union · Batavia, New York · NCUA charter #22167
Tonawanda Valley
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $163.3M
- Total assets
- 13,022
- Members
- 10.9%
- Net-worth ratio
Tonawanda Valley scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $163.3M; members 13,022; net-worth ratio 10.91%; health rank #809 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#809 of 4,374 health · 2025Q4Tonawanda Valley · health 92/100 · $163.3M · 2025Q4
Call Report peers
Tonawanda Valley in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Tonawanda Valley vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Tonawanda Valley 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
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Tonawanda Valley diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.83 pp (0.07% vs 0.89%).
- Largest lag: Loan-to-Share Ratio at 61.58% vs peer 72.20% (-10.62 pp).
Tonawanda Valley: in-state Call Report ranks
- New York health ordinal: #41 of 272.
- New York assets place: #66 of 272.
- Membership ranks #61 of 272 among New York CUs with a reported count (13,022 members).
- One place up in New York, Saint Lawrence (#40) ties at 92/100; one place down, CORNING (#42) ties at 92/100.
Tonawanda Valley: 2025Q4 → 2026Q1
Tonawanda Valley: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $163.3M (2025Q4) to $167.0M (2026Q1).
- Net-worth ratio shifted +0.06 pp (10.85% → 10.91%).
At 10.91%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Tonawanda Valley gives up 8 points in total. Member Growth 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 9.0 pts
- Loan-to-Share Ratio 13.0 pts
Tonawanda Valley health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.91% | -1.20 pp |
| Delinquency Rate | 0.07% | -0.83 pp |
| Return on Assets | 1.14% | +0.52 pp |
| Member Growth | -0.01% | - |
| Loan-to-Share Ratio | 61.58% | -10.62 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $167.0M | - |
| 2025Q4 | $163.3M | 13,022 |
| 2024Q4 | $152.2M | 13,023 |
| 2023Q4 | $150.7M | 13,013 |
Credit Union Details
- Charter Number
- 22167
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Batavia
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Tonawanda Valley.
| Office | City |
|---|---|
| Tonawanda Valley FCU (Main Office) | Batavia, 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.
Cross-state Call Report peers for Tonawanda Valley
Similar total assets
Similar health score
Using this data
- Tonawanda Valley ranks #809 of 4,374 nationally on financial health and #41 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALTERNATIVES is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALTERNATIVES
Frequently Asked Questions
Is Tonawanda Valley financially healthy?
On its 2025Q4 NCUA 5300 filing, Tonawanda Valley scores 92/100 (Excellent), with a 10.91% net worth ratio and 0.07% of loans delinquent. It ranks #809 of 4,374 nationally on health and #41 of 272 in New York.
How does Tonawanda Valley compare to other credit unions?
Tonawanda Valley scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.07% vs 0.89%). Its widest shortfall is loan-to-share ratio (61.58% vs 72.20%).
How can I join Tonawanda Valley?
Tonawanda Valley 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 Valley directly for the exact boundaries and application steps.
Is my money safe at Tonawanda Valley?
Tonawanda Valley 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 Valley's net worth ratio of 10.91% 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.