Federal credit union · West Seneca, New York · NCUA charter #16042
Western New York
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $89.2M
- Total assets
- 8,730
- Members
- 11.2%
- Net-worth ratio
Western New York scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $89.2M; members 8,730; net-worth ratio 11.18%; health rank #1,473 of 4,374; healthier than 65th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,473 of 4,374 health · 2025Q4Western New York · health 88/100 · $89.2M · 2025Q4
- RANK 88/100
- PHOTO 11.2%
- BOOK 0.70%
- CHARTER 0.91%
- NCUSIF $89.2M
- CAMELS 8,730
- HEALTH #1,473/4,374
- NW Desert Valleys
- DELQ 16042
Call Report peers
Western New York in the assets neighbourhood
Western New York's $89.2M assets sit next to Desert Valleys ($89.2M) 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.
Western New York 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
88 Top 35% higher than 65% 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
Western New York - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #16042 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Western New York vs $50M–$100M peers
- Largest favorable gap: Delinquency Rate at 0.70% vs peer 0.96% (-0.26 pp).
- Largest lag: Net Worth Ratio at 11.18% vs peer 13.62% (-2.44 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Western New York sits in New York
- New York health ordinal: #81 of 272.
- New York assets place: #98 of 272.
- Member book place in New York: #80 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 Western New York
Western New York: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.3% from $89.2M (2025Q4) to $93.1M (2026Q1).
- Net-worth ratio shifted -0.17 pp (11.35% → 11.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 13.3 pts
Western New York vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.18% | -2.44 pp |
| Delinquency Rate | 0.70% | -0.26 pp |
| Return on Assets | 0.91% | +0.25 pp |
| Member Growth | -1.26% | - |
| Loan-to-Share Ratio | 62.10% | -0.50 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Western New York quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $93.1M | - |
| 2025Q4 | $89.2M | 8,730 |
| 2024Q4 | $84.1M | 8,841 |
| 2023Q4 | $86.4M | 8,741 |
Credit Union Details
- Charter Number
- 16042
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- West Seneca
- Data Quarter
- 2025Q4
Branch Location
Western New York operates a single office in West Seneca, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | West Seneca, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Western New York nationwide neighbourhoods
Western New York'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 ($89.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Western New York ranks #1,473 of 4,374 nationally on financial health and #81 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Triboro Postal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Triboro Postal
- 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 Western New York financially healthy?
A 11.18% net worth ratio and a 0.70% delinquency rate feed into Western New York's financial health score of 88/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,473 of 4,374; by total assets it ranks #1,926 of 4,374 nationally (same basis as /rankings/largest); and #98 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Western New York compare to other credit unions?
Western New York scores 88/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Western New York?
Western New York 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 Western New York directly for the exact boundaries and application steps.
Is my money safe at Western New York?
Federal credit unions like Western New York 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. Western New York's net worth ratio of 11.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Western New York offer compared to banks?
Credit unions like Western New York 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 Western New York 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.