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
Call Report peers
Western New York in the assets neighbourhood
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
Western New York sits in the busiest band, 85-89, alongside 857 other credit unions.
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 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).
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.
- One place up in New York, Auburn Community (#80) ties at 88/100; one place down, TEACHERS (#82) ties at 88/100.
Quarter path for Western New York
Western New York: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $89.2M (2025Q4) to $93.1M (2026Q1).
- Net-worth ratio shifted -0.17 pp (11.35% → 11.18%).
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
Western New York gives up 12 points in total. Member Growth costs the most, 8.3 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Western New York financially healthy?
Western New York has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,473 of 4,374 nationally on health and #81 of 272 in New York. Its net worth ratio is 11.18% and its delinquency rate 0.70%.
How does Western New York compare to other credit unions?
Western New York scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.70% vs 0.96%). Its widest shortfall is net worth ratio (11.18% vs 13.62%).
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?
Western New York 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. Western New York's net worth ratio of 11.18% 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.