Federal credit union · CHEEKTOWAGA, New York · NCUA charter #23717
Town of Cheektowaga
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $36.4M
- Total assets
- 1,475
- Members
- 17.0%
- Net-worth ratio
Town of Cheektowaga scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $36.4M; members 1,475; net-worth ratio 16.96%; health rank #1,581 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,581 of 4,374 health · 2025Q4Town of Cheektowaga · health 87/100 · $36.4M · 2025Q4
Call Report peers
Town of Cheektowaga in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Town of Cheektowaga vs every NCUA-scored credit union
Town of Cheektowaga sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Town of Cheektowaga diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 16.96% vs peer 14.86% (+2.10 pp).
- Largest lag: Loan-to-Share Ratio at 43.12% vs peer 59.80% (-16.68 pp).
Town of Cheektowaga in New York
- Health composite ranks #86 of 272 among scored New York credit unions.
- New York assets place: #149 of 272.
- New York membership ordinal: #198 of 272.
- One place up in New York, Akron School Employees (#85) ties at 87/100; one place down, Kaleida Health (#87) ties at 87/100.
Quarter path for Town of Cheektowaga
Town of Cheektowaga: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $36.4M (2025Q4) to $37.8M (2026Q1).
- Net-worth ratio shifted -0.32 pp (17.28% → 16.96%).
At 16.96%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Town of Cheektowaga gives up 13 points in total. Member Growth costs the most, 8.1 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 6.9 pts
- Loan-to-Share Ratio 10.1 pts
Town of Cheektowaga vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.96% | +2.10 pp |
| Delinquency Rate | 0.02% | -1.13 pp |
| Return on Assets | 1.19% | +0.49 pp |
| Member Growth | -1.14% | - |
| Loan-to-Share Ratio | 43.12% | -16.68 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Town of Cheektowaga
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $37.8M | - |
| 2025Q4 | $36.4M | 1,475 |
| 2024Q4 | $36.1M | 1,492 |
| 2023Q4 | $34.5M | 1,491 |
Credit Union Details
- Charter Number
- 23717
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- New York
- City
- CHEEKTOWAGA
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Town of Cheektowaga.
| Office | City |
|---|---|
| TOWN OF CHEEKTOWAGA FCU (Main Office) | CHEEKTOWAGA, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Other-state peers near Town of Cheektowaga
Similar total assets
Similar health score
Using this data
- Town of Cheektowaga ranks #1,581 of 4,374 nationally on financial health and #86 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Niagara Regional is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Niagara Regional
Frequently Asked Questions
Is Town of Cheektowaga financially healthy?
Town of Cheektowaga has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,581 of 4,374 nationally on health and #86 of 272 in New York. Its net worth ratio is 16.96% and its delinquency rate 0.02%.
How does Town of Cheektowaga compare to other credit unions?
Town of Cheektowaga scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (16.96% vs 14.86%). Its widest shortfall is loan-to-share ratio (43.12% vs 59.80%).
How can I join Town of Cheektowaga?
Town of Cheektowaga 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 Town of Cheektowaga directly for the current list of qualifying groups.
Is my money safe at Town of Cheektowaga?
Town of Cheektowaga 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. Town of Cheektowaga's net worth ratio of 16.96% 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.