State overview · Q4 2025

New York Credit Unions

All 272 federally-insured credit unions in New York, ranked by financial health, from NCUA 5300 Call Reports.

272
Credit unions
7.1M
Members
$131.2B
Combined assets
77/100
Avg health

Health-score distribution

How New York's 272 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)144 CUsGood (60–79)87 CUsFair (40–59)37 CUsWeak (<40)4 CUs

All Credit Unions in New York

Credit Union Health
Great Erie ORCHARD PARK 100
O and R Utilities Employees Monroe 100
Western Division WILLIAMSVILLE 100
First Heritage Corning 99
Becco Buffalo Tonawanda 98
Local 41 I.b.e.w. ORCHARD PARK 98
Servu Painted Post 98
United Nations LONG ISLAND CIT 98
Buffalo Police Buffalo 97
Dannemora PLATTSBURGH 97
G.p.o. NEW HARTFORD 97
Meridia Community HAMBURG 97
Oswego Teachers Employees OSWEGO 97
Pittsford PITTSFORD 97
Polish & Slavic Brooklyn 96
Reliant Community Sodus 96
State Cs Employees WATERTOWN 96
The Summit ROCHESTER 96
Fidelis NEW YORK 95
Hudson Valley Poughkeepsie 95
Italo-american Glendale 95
Leatherstocking Region COOPERSTOWN 95
Suffolk Medford 95
Troy TROY 95
Trunorthern Malone 95
Ufirst Plattsburgh 95
Stratton Air National Guard SCOTIA 94
Financial Trust Cheektowaga 93
High Point Olean 93
New York University New York 93
Salt City Solvay 93
Cobblestone Country Albion 92
Corning Corning 92
Empower Syracuse 92
First Frontier LYNBROOK 92
Jamestown Area Community Jamestown 92
Saint Lawrence Ogdensburg 92
Sea Comm MASSENA 92
Southern Chautauqua Lakewood 92
Syracuse Fire Department Employees SYRACUSE 92
Teg POUGHKEEPSIE 92
Tonawanda Community Buffalo 92
Tonawanda Valley Batavia 92
Westside Community CHURCHVILLE 92
Advantage Rochester 91
Compass Oswego 91
Cvph Employees PLATTSBURGH 91
Eastern Operating Engineers WHITESTONE 91
First New York Albany 91
Mid-hudson Valley Kingston 91
Moog Employees EAST AURORA 91
Ontario Shores Newfane 91
Buffalo Conrail Cheektowaga 90
C C S E SALAMANCA 90
Plattsburgh City School District Plattsburgh 90
Qside Queens Village 90
Radius Kenmore 90
Suny Fredonia FREDONIA 90
Westchester Schools' Rye Brook 90
Access CLINTON 89
Alco Wellsville 89
Amherst AMHERST 89
Circuit CHEEKTOWAGA 89
Directors Choice ALBANY 89
Esl Rochester 89
Finger Lakes GENEVA 89
One Credit Union of Ny Cheektowaga 89
People's Alliance Hauppauge 89
Rt ROME 89
Sidney Sidney 89
Tct BALLSTON SPA 89
Auburn Community AUBURN 88
Genesee Co-op ROCHESTER 88
Genesee Valley GENESEO 88
Lockport Schools & Community LOCKPORT 88
Medisys Employees JAMAICA 88
N C P D Plainview 88
Niagara Regional North Tonawanda 88
Self Reliance Financial New York 88
Stewart's Saratoga Spring 88
Teachers Smithtown 88
Western New York West Seneca 88
Akron School Employees Akron 87
Boulevard Amherst 87
Fasny ALBANY 87
Hudson River Community Corinth 87
Kaleida Health BUFFALO 87
Long Island Alliance HAUPPAUGE 87
Mohawk Valley MARCY 87
Municipal NEW YORK 87
Olean Teachers' and Postal OLEAN 87
Palisades Pearl River 87
Sloan Public Schools Cheektowaga 87
Solutions ELMIRA 87
Town of Cheektowaga CHEEKTOWAGA 87
Tri-lakes SARANAC LAKE 87
Inner Lakes WESTFIELD 86
Oswego County OSWEGO 86
Sjp Buffalo 86
Sweet Home AMHERST 86
The Finest New York 86
Cattaraugus County Employees Little Valley 85
Community Resource Latham 85
Finger Lakes Health Care ELMIRA 85
First Source New Hartford 85
Gowanda Area Gowanda 85
Linton TONAWANDA 85
Parks Heritage GLENS FALLS 85
Southern Baptist Church of New York NEW YORK 85
Affinity One JAMESTOWN 84
Greater Chautauqua FALCONER 84
N Y Team Ronkonkoma 84
Niagara Falls Teachers Niagara Falls 84
Quorum Purchase 84
Utica Gas & Electric Emp NEW HARTFORD 84
Beginnings Ithaca 83
Crouse Hinds Employees syracuse 83
Niagara Falls a F Niagara Falls 83
Ny Firefighters Bravest albany 83
U. H. S. Employees Johnson City 83
Ulster Kingston 83
Afgm Enterprises Cheektowaga 82
Americu Rome 82
Fourleaf Bethpage 82
Great Meadow Hudson Falls 82
Greater Woodlawn BLASDELL 82
Maryvale Schools CHEEKTOWAGA 82
Niagara's Choice Niagara Falls 82
North Towns Clarence 82
Suma Yonkers 82
Tri-county Delevan 82
Crossroads Community CHEEKTOWAGA 81
Ed-med OGDENSBURG 81
Kenmore N. Y. Teachers Buffalo 81
Long Beach Teachers Long Beach 81
Remington Ilion 81
The Heart Center ROSLYN 81
Transit VALLEY STREAM 81
Twin Rivers Massena 81
Allegany First Fillmore 80
Griffith Institute Employees Springville 80
Jovia Financial WESTBURY 80
Medical Employees of Staten Island STATEN ISLAND 80
Spencerport Spencerport 80
Att-wyo Correctional Employees Attica 79
First Choice Financial Gloversville 79
Secny SYRACUSE 79
Seneca Nation of Indians IRVING 79
Sister's Hospital Employees BUFFALO 79
Sunmark Albany 79
Town of Hempstead Employees NORTH BALDWIN 79
Yonkers Teachers Yonkers 79
Cadets ELMA 78
Consumers Brooklyn 78
Erie County Employees BUFFALO 78
Gates Chili Rochester 78
Greater Niagara NIAGARA FALLS 78
Latvian MELVILLE 78
Paul Quinn Jamaica 78
Empire One West Seneca 77
M. C. T. AMSTERDAM 77
Niagara-wheatfield SANBORN 77
Tompkins Employees Ithaca 77
Trailnorth Ticonderoga 77
Usalliance Rye 77
Utica District Telephone Employees UTICA 77
Watertown Postal WATERTOWN 77
Adirondack Regional TUPPER LAKE 76
Ukrainian National NEW YORK 76
Upstate Telco Gloversville 76
Amnh Employees NEW YORK 75
Greece Community ROCHESTER 75
Money Syracuse 75
New York Episcopal New York 75
Penn South Cooperative New York 75
Alliance Niagara SANBORN 74
Cornerstone Community LOCKPORT 74
Family First of Ny ROCHESTER 74
Great Neck School Employees Great Neck 74
Island Hauppauge 74
Korean American Catholics FLUSHING 74
New Covenant Dominion Bronx 74
Saratoga's Community Saratoga Spring 74
Special Metals NEW HARTFORD 74
Coopers Cave Glens Falls 73
Crouse SYRACUSE 73
Mamta Mamaroneck 73
Mount Vernon Ny Postal Employees Mount Vernon 73
Syracuse Postal SYRACUSE 73
Van Cortlandt Cooperative BRONX 73
Chen-del-o FRANKLIN 72
Northern WATERTOWN 72
Oneida County UTICA 72
Ukrainian ROCHESTER 72
Broadview Albany 71
Buffalo Metropolitan BUFFALO 71
Empirt 207 new york 71
Local 804 Port Washington 71
Steuben Citizens BATH 71
B.s. and C.p. Hospitals Employees Bronx 70
Le Roy LE ROY 70
Nassau Financial East Meadow 70
District #6 Hornell 69
Niagara Frontier Federal Municipal NIAGARA FALLS 69
Rockland Employees Spring Valley 69
Sing Sing Employees Briarcliff Mano 69
Sts Peter & Paul Brooklyn 68
American Broadcast Employees Rockville Centr 67
Generations United New York 67
Morton Lane BUFFALO 66
Ocean Financial Oceanside 66
Rome Rome 66
St. Pius X Church ROCHESTER 66
Church of the Master NEW YORK 65
Everest Jackson Heights 65
Heritage Financial Middletown 65
Westar CAMILLUS 65
Syracuse Cooperative Syracuse 64
Williamsville Amherst 63
I Am New York 62
Spc Brooklyn Brooklyn 62
Urban Empowerment New York 62
White Plains P O Employees White Plains 62
Canandaigua CANANDAIGUA 61
Dunlop Employees Buffalo 61
Grand Central Terminal Employees NEW YORK 61
Port Washington port washington 61
Utica Police Department UTICA 61
Coxsackie Correctional Emp. Coxsackie 60
Next Step Troy 60
Visions ENDICOTT 60
Division 726 STATEN ISLAND 59
Greater Metro LONG ISLAND CIT 59
Rochester & Monroe Co Emp Rochester 59
Saint John a M E NIAGARA FALLS 59
Transit Authority Division B New York 59
Good Neighbors Depew 58
Metro Realtors Melville 58
Ghs Binghamton 57
St. Philip's Church New York 57
Educational and Governmental Hartsdale 56
Encompass Niagara Niagara Falls 56
I R E B Brooklyn 56
Lower East Side People's NEW YORK 56
Co-operative WOODRIDGE 55
Academic BRIARCLIFF MANO 53
Actors NEW YORK 53
Scf Westchester N. Y. Employees WHITE PLAINS 53
Schenectady County Employees Schenectady 53
St. John United Buffalo 53
Elektra New York 52
Urban Upbound LONG ISLAND CIT 52
New York Times Employees NEW YORK 51
Neighborhood Trust New York 49
Abyssinian Baptist Church NEW YORK CITY 48
Berea BROOKLYN 48
Brooklyn Cooperative Brooklyn 47
Concord Brooklyn 47
Upstate Milk Employees Lancaster 47
Nym Brooklyn 46
Ever $ Green ROCHESTER 44
Lufthansa Emp. WESTBURY 44
Far Rockaway Postal Far Rockaway 43
Harrison Teachers HARRISON 43
Transfiguration Parish BROOKLYN 43
Triboro Postal FLUSHING 43
Greater Centennial Mount Vernon 42
Alternatives Ithaca 40
Union Baptist Greenburgh WHITE PLAINS 38
Focus First Rochester 34
Brockport Brockport 32
Bykota Brooklyn 28

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.

What This Data Says About Credit Unions in New York

New York is home to 272 federally-insured credit unions collectively serving 7.1M members with $131.2B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 77/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Great Erie of ORCHARD PARK currently leads the cohort with a health score of 100/100, while the full distribution spans 272 institutions ranked below.

The health distribution breaks into four bands: 144 credit unions score 80–100 (Excellent), 87 score 60–79 (Good), 37 score 40–59 (Fair), and 4 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across New York's 272 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Explore more: Healthiest credit unions · Largest by assets · How health scores work

Frequently Asked Questions

How many credit unions are in New York?

There are 272 federally-insured credit unions in New York as of Q4 2025, with a combined 7.1M members and $131.2B in total assets. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in New York?

Based on NCUA Q4 2025 data, Great Erie in ORCHARD PARK ranks highest in New York with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Read our methodology - how this data is sourced, computed, and verified.