Federal credit union · Rye Brook, New York · NCUA charter #9532
Westchester Schools'
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $40.1M
- Total assets
- 2,750
- Members
- 11.0%
- Net-worth ratio
Westchester Schools' scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $40.1M; members 2,750; net-worth ratio 10.99%; health rank #961 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#961 of 4,374 health · 2025Q4Westchester Schools' · health 91/100 · $40.1M · 2025Q4
Call Report peers
Westchester Schools' in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Westchester Schools' vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Westchester Schools' sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Westchester Schools'
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -1.09 pp (0.06% vs 1.15%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -20.01 pp (39.79% vs 59.80%).
Westchester Schools': in-state Call Report ranks
- In New York, health place is #51 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, Westchester Schools' is #144 of 272 in New York.
- Membership ranks #148 of 272 among New York CUs with a reported count (2,750 members).
- One place up in New York, COMPASS (#50) ties at 91/100; one place down, Cvph Employees (#52) ties at 91/100.
How Westchester Schools''s 5300 filing moved
Westchester Schools': total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $40.1M (2025Q4) to $40.5M (2026Q1).
- Net-worth ratio shifted -0.03 pp (11.02% → 10.99%).
This credit union's 10.99% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Westchester Schools' gives up 9 points in total. Loan-to-Share Ratio costs the most, 5.4 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 11.7 pts
- Loan-to-Share Ratio 9.3 pts
Westchester Schools' health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.99% | -3.87 pp |
| Delinquency Rate | 0.06% | -1.09 pp |
| Return on Assets | 0.69% | -0.01 pp |
| Member Growth | 2.23% | - |
| Loan-to-Share Ratio | 39.79% | -20.01 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Westchester Schools'
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $40.5M | - |
| 2025Q4 | $40.1M | 2,750 |
| 2024Q4 | $37.9M | 2,690 |
| 2023Q4 | $41.5M | 2,886 |
Credit Union Details
- Charter Number
- 9532
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Rye Brook
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Westchester Schools' runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Credit Union Office (Main Office) | Rye Brook, NY |
| Fiserv | Frisco, TX |
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 Westchester Schools'
Using this data
- Westchester Schools' ranks #961 of 4,374 nationally on financial health and #51 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Parks Heritage is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Parks Heritage
Frequently Asked Questions
Is Westchester Schools' financially healthy?
On its 2025Q4 NCUA 5300 filing, Westchester Schools' scores 91/100 (Excellent), with a 10.99% net worth ratio and 0.06% of loans delinquent. It ranks #961 of 4,374 nationally on health and #51 of 272 in New York.
How does Westchester Schools' compare to other credit unions?
Westchester Schools' scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.06% vs 1.15%). Its widest shortfall is loan-to-share ratio (39.79% vs 59.80%).
How can I join Westchester Schools'?
Westchester Schools' 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 Westchester Schools' directly for the exact boundaries and application steps.
Is my money safe at Westchester Schools'?
Westchester Schools' 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. Westchester Schools''s net worth ratio of 10.99% 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.