Federal credit union · Amherst, New York · NCUA charter #8618
WILLIAMSVILLE
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $11.2M
- Total assets
- 1,914
- Members
- 12.2%
- Net-worth ratio
WILLIAMSVILLE scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.2M; members 1,914; net-worth ratio 12.18%; health rank #3,949 of 4,374; healthier than 9th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,949 of 4,374 health · 2025Q4WILLIAMSVILLE · health 63/100 · $11.2M · 2025Q4
Call Report peers
WILLIAMSVILLE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
WILLIAMSVILLE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WILLIAMSVILLE sits in 60-64 with 179 others.
63 9th percentile higher than 9% 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 WILLIAMSVILLE
- Loan-to-Share Ratio trails the peer set - 55.47% here, 59.80% peer average (-4.33 pp).
WILLIAMSVILLE: in-state Call Report ranks
- New York health ordinal: #230 of 272.
- Assets rank #207 of 272 inside New York ($11.2M reported).
- New York membership ordinal: #179 of 272.
- One place up in New York, Focus First (#229) scores 64/100, 1 point higher; one place down, Schenectady County Employees (#231) ties at 63/100.
WILLIAMSVILLE Call Report trajectory
WILLIAMSVILLE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.8% from $11.2M (2025Q4) to $10.9M (2026Q1).
- Net-worth ratio shifted +0.20 pp (11.98% → 12.18%).
12.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 63/100 score is built
WILLIAMSVILLE gives up 37 points in total. Delinquency Rate costs the most, 19 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 6.0 pts
- Return on Assets 9.4 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 11.9 pts
WILLIAMSVILLE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.18% | -2.68 pp |
| Delinquency Rate | 3.03% | +1.89 pp |
| Return on Assets | 0.13% | -0.58 pp |
| Member Growth | -1.85% | - |
| Loan-to-Share Ratio | 55.47% | -4.33 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.9M | - |
| 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
Branch Locations (3)
WILLIAMSVILLE operates 3 offices in Amherst, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Willimsville FCU (Main Office) | Amherst, NY |
| CompuSource Systems | Amherst, NY |
| CompuSource Systems | Amherst, 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.
WILLIAMSVILLE nationwide neighbourhoods
Using this data
- WILLIAMSVILLE ranks #3,949 of 4,374 nationally on financial health and #230 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Metro Realtors is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Metro Realtors
Frequently Asked Questions
Is WILLIAMSVILLE financially healthy?
On its 2025Q4 NCUA 5300 filing, WILLIAMSVILLE scores 63/100 (Good), with a 12.18% net worth ratio and 3.03% of loans delinquent. It ranks #3,949 of 4,374 nationally on health and #230 of 272 in New York.
How does WILLIAMSVILLE compare to other credit unions?
WILLIAMSVILLE scores 63/100, higher than 9% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (55.47% vs 59.80%).
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?
WILLIAMSVILLE 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. WILLIAMSVILLE's net worth ratio of 12.18% 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.