Federal credit union · Amherst, New York · NCUA charter #8618
Williamsville
Health score 63/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $11.2M
- Total assets
- 1,914
- Members
- 10.6%
- Net-worth ratio
Williamsville - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #8618: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Williamsville - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)24
- Earnings (ROA)63
- Member growth38
- Liquidity (loan-to-share)78
Weighted composite: 63/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.60% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.60% | 30% |
| Delinquency Rate | 3.03% | 25% |
| Return on Assets | 0.13% | 15% |
| Member Growth | -1.85% | 15% |
| Loan-to-Share Ratio | 55.47% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $11.2M | 1,914 |
| 2024Q4 | $11.1M | 1,950 |
| 2023Q4 | $12.3M | 1,984 |
Credit Union Details
- Charter Number
- 8618
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $10M–$50M
- State
- New York
- City
- Amherst
- Data Quarter
- 2025Q4
What This Data Says About Williamsville
1,914 members and $11.2M in total assets sit behind Williamsville, a federal credit union in Amherst, New York, which posts a health score of 63/100 (Good) on the five-factor composite, with $5.5M in outstanding loans as of Q4 2025 and a net worth ratio of 10.60% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #8618 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 3.03% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Meanwhile a 55.47% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.13% on net income of $14K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.85%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Single Common Bond) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Williamsville financially healthy?
Yes/no aside, the number is 63/100 (Good) - Williamsville's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.60% net worth ratio and 3.03% delinquency rate are the key drivers.
How does Williamsville compare to other credit unions?
PlainCU's health composite puts Williamsville at 63/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Williamsville?
Williamsville is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Williamsville directly to confirm eligibility.
Is my money safe at Williamsville?
Federal credit unions like Williamsville 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. Williamsville's net worth ratio of 10.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Williamsville offer compared to banks?
Credit unions like Williamsville 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 Williamsville directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.