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
- ROA 87/100
- ASSETS 17.0%
- MEM 0.02%
- RANK 1.19%
- PHOTO $36.4M
- BOOK 1,475
- CHARTER #1,581/4,374
- NCUSIF Hoosier United
- CAMELS 23717
Call Report peers
Town of Cheektowaga in the assets neighbourhood
Town of Cheektowaga's $36.4M assets sit next to Hoosier United ($36.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
87 Top 40% higher than 60% 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
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.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Town of Cheektowaga
Town of Cheektowaga: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $36.4M (2025Q4) to $37.8M (2026Q1).
- Net-worth ratio shifted -0.32 pp (17.28% → 16.96%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Town of Cheektowaga's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($36.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,581 of 4,374; by total assets it ranks #2,691 of 4,374 nationally (same basis as /rankings/largest); and #149 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 16.96% 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 16.96% 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.
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.