credit union · NCUA 18022 · NY
How big is FINGER LAKES?
FINGER LAKES (NY, NCUA charter 18022) reported total assets of $259.5M, 19,858 members and a net worth ratio of 15.05% in its Call Report for 2026Q2. That ranks 1125 of 4,299 federally insured credit unions by assets, 366 of 1,061 among credit unions with $100m-$500m in assets, 53 of 268 credit unions in new york.
What stands out
FINGER LAKES (NY, NCUA charter 18022) reported total assets of $259.5M, 19,858 members and a net worth ratio of 15.05% in its Call Report for 2026Q2. That ranks 1125 of 4,299 federally insured credit unions by assets, 366 of 1,061 among credit unions with $100m-$500m in assets, 53 of 268 credit unions in new york. Against its size class: net worth ratio 15.05%, above the peer median of 11.65%; loan-to-share ratio 72.00%, below the peer median of 73.15%; return on assets 1.76%, above the peer median of 0.74%. At 15.05% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $259.5M | $198.1M | $46.8M | $68.3M | record → |
| Shares and deposits | $219.2M | $172.3M | $40.0M | $58.3M | record → |
| Loans outstanding | $157.8M | $125.2M | $21.7M | $34.4M | record → |
| Net income (year to date) | $2.3M | $766.3k | $175.9k | $222.2k | record → |
| Net worth | $37.9M | $24.5M | $6.2M | $9.0M | record → |
| Net worth ratio | 15.05% | 11.65% | 12.10% | 12.65% | record → |
| Loan-to-share ratio | 72.00% | 73.15% | 60.91% | 68.70% | computed |
| Return on assets | 1.76% | 0.74% | 0.77% | 0.71% | computed |
| Members | 19,858 | 13,230 | 3,212 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $259.5M | $219.2M | $157.8M | $2.3M | 15.05% | 19,858 | 1125 |
| 2026Q1 | $253.1M | $213.7M | $156.2M | $1.2M | 14.76% | 19,950 | 1146 |
| 2025Q4 | $247.9M | $210.1M | $157.8M | $5.0M | 14.45% | 20,067 | 1149 |
| 2025Q3 | $248.3M | $209.9M | $157.4M | $3.8M | 14.16% | 20,188 | 1143 |
| 2025Q2 | $250.0M | $213.4M | $158.3M | $2.5M | 13.82% | 20,343 | 1136 |
| 2025Q1 | $241.2M | $207.5M | $155.3M | $1.3M | 13.48% | 20,467 | 1161 |
| 2024Q4 | $236.2M | $204.3M | $157.5M | $4.4M | 13.02% | 20,588 | 1165 |
| 2024Q3 | $235.3M | $203.8M | $161.0M | $3.0M | 12.54% | 20,879 | 1168 |
| 2024Q2 | $237.6M | $208.4M | $161.3M | $1.9M | 12.00% | 21,010 | 1156 |
| 2024Q1 | $235.8M | $208.8M | $166.4M | $901.1k | 11.61% | 21,190 | 1165 |
| 2023Q4 | $236.0M | $209.6M | $169.5M | $3.0M | 11.22% | 21,323 | 1152 |
| 2023Q3 | $235.8M | $212.5M | $168.7M | $2.2M | 10.91% | 21,508 | 1151 |
| 2023Q2 | $241.3M | $219.4M | $167.9M | $1.4M | 10.35% | 21,721 | 1134 |
| 2023Q1 | $242.5M | $221.0M | $170.5M | $611.5k | 9.97% | 21,913 | 1137 |
| 2022Q4 | $239.7M | $219.4M | $174.7M | $2.3M | 9.84% | 22,075 | 1134 |
| 2022Q3 | $240.6M | $221.4M | $175.7M | $1.6M | 9.54% | 22,133 | 1136 |
| 2022Q2 | $248.6M | $229.5M | $175.6M | $1.1M | 9.18% | 22,046 | 1121 |
| 2022Q1 | $245.6M | $225.2M | $165.7M | $671.7k | 9.08% | 22,305 | 1130 |
| 2021Q4 | $244.7M | $222.5M | $159.9M | $2.1M | 8.89% | 22,242 | 1115 |
| 2021Q3 | $238.0M | $216.0M | $155.8M | $1.7M | 9.00% | 22,133 | 1121 |
| 2021Q2 | $241.8M | $220.7M | $151.6M | $690.4k | 8.99% | 22,046 | 1099 |
| 2021Q1 | $235.7M | $215.7M | $148.4M | $166.6k | 9.24% | 22,326 | 1114 |
| 2020Q4 | $217.3M | $196.2M | $144.2M | $1.3M | 8.86% | 22,202 | 1133 |
| 2020Q3 | $192.8M | $173.3M | $129.7M | $623.5k | 9.21% | 19,940 | 1193 |
| 2020Q2 | $194.3M | $175.1M | $126.0M | $435.8k | 9.04% | 19,923 | 1177 |
| 2020Q1 | $176.9M | $156.2M | $125.0M | $389.1k | 9.90% | 20,054 | 1188 |
| 2019Q4 | $167.3M | $149.3M | $125.6M | $1.4M | 12.42% | 20,108 | 1205 |
| 2019Q3 | $123.5M | $109.8M | $96.1M | $838.7k | 10.17% | 15,629 | 1442 |
| 2019Q2 | $126.7M | $113.1M | $95.5M | $571.8k | 9.70% | 15,600 | 1418 |
| 2019Q1 | $125.6M | $112.4M | $94.5M | $267.0k | 9.54% | 15,542 | 1428 |
| 2018Q4 | $123.2M | $110.6M | $92.8M | $1.3M | 9.51% | 15,453 | 1424 |
| 2018Q3 | $124.6M | $112.4M | $92.3M | $1.1M | 9.19% | 15,388 | 1416 |
| 2018Q2 | $125.0M | $113.3M | $89.2M | $686.6k | 8.85% | 15,292 | 1417 |
| 2018Q1 | $120.6M | $109.3M | $91.7M | $325.4k | 8.87% | 15,334 | 1445 |
| 2017Q4 | $117.3M | $106.2M | $93.6M | $806.5k | 8.85% | 15,344 | 1452 |
| 2017Q3 | $117.0M | $105.8M | $93.1M | $565.8k | 8.66% | 15,383 | 1450 |
| 2017Q2 | $117.7M | $107.0M | $92.1M | $334.7k | 8.41% | 15,366 | 1450 |
| 2017Q1 | $117.0M | $106.5M | $88.5M | $114.6k | 8.28% | 15,311 | 1459 |
| 2016Q4 | $112.9M | $102.6M | $83.4M | $655.7k | 8.48% | 15,160 | 1469 |
| 2016Q3 | $111.2M | $100.8M | $79.8M | $504.5k | 8.47% | 15,082 | 1482 |
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