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
- NW 91/100
- DELQ 11.0%
- ROA 0.06%
- ASSETS 0.69%
- MEM $40.1M
- RANK 2,750
- PHOTO #961/4,374
- BOOK Old Ocean
- CHARTER 9532
Call Report peers
Westchester Schools' in the assets neighbourhood
Westchester Schools''s $40.1M assets sit next to Old Ocean ($40.2M) 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.
Westchester Schools' 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
91 Top 23% higher than 77% 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
Westchester Schools' - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #9532 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Westchester Schools''s 5300 filing moved
Westchester Schools': total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $40.1M (2025Q4) to $40.5M (2026Q1).
- Net-worth ratio shifted -0.03 pp (11.02% → 10.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- 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 |
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 - 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'
Two NCUA Call Report peer sets for Westchester Schools', both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($40.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
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
- 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 Westchester Schools' financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Westchester Schools' carries a financial health score of 91/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #961 of 4,374; by total assets it ranks #2,600 of 4,374 nationally (same basis as /rankings/largest); and #144 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.99% net worth ratio and a 0.06% delinquency rate.
How does Westchester Schools' compare to other credit unions?
91/100 is Westchester Schools''s score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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'?
Federal credit unions like Westchester Schools' 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. Westchester Schools''s net worth ratio of 10.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Westchester Schools' offer compared to banks?
Credit unions like Westchester Schools' 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 Westchester Schools' 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.