Federal credit union · CHEEKTOWAGA, New York · NCUA charter #23717
Town of Cheektowaga
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $36.4M
- Total assets
- 1,475
- Members
- 16.7%
- Net-worth ratio
Town of Cheektowaga - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #23717. See our deposit-insurance coverage note.
Town of Cheektowaga - 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 growth46
- Liquidity (loan-to-share)66
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 16.73%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.73% | 30% |
| Delinquency Rate | 0.02% | 25% |
| Return on Assets | 1.19% | 15% |
| Member Growth | -1.14% | 15% |
| Loan-to-Share Ratio | 43.12% | 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 | $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
What This Data Says About Town of Cheektowaga
Charter #23717, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Town of Cheektowaga, a federal credit union in CHEEKTOWAGA, New York with 1,475 members, $36.4M in total assets, and $13.0M in outstanding loans as of Q4 2025. The five-factor composite scores it 87/100 (Excellent), helped by a net worth ratio of 16.73% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.02% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 43.12% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.19% on net income of $435K 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 -1.14%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
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 Town of Cheektowaga financially healthy?
Town of Cheektowaga has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 16.73% and delinquency rate of 0.02%.
How does Town of Cheektowaga compare to other credit unions?
On PlainCU's health composite, Town of Cheektowaga lands at 87/100, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like Town of Cheektowaga 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. Town of Cheektowaga's net worth ratio of 16.73% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Town of Cheektowaga offer compared to banks?
Credit unions like Town of Cheektowaga 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 Town of Cheektowaga 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.