credit union · NCUA 5439 · NY
How big is AMHERST?
AMHERST (NY, NCUA charter 5439) reported total assets of $44.0M, 3,850 members and a net worth ratio of 10.25% in its Call Report for 2026Q2. That ranks 2513 of 4,299 federally insured credit unions by assets, 120 of 1,135 among credit unions with $10m-$50m in assets, 139 of 268 credit unions in new york.
What stands out
AMHERST (NY, NCUA charter 5439) reported total assets of $44.0M, 3,850 members and a net worth ratio of 10.25% in its Call Report for 2026Q2. That ranks 2513 of 4,299 federally insured credit unions by assets, 120 of 1,135 among credit unions with $10m-$50m in assets, 139 of 268 credit unions in new york. Against its size class: net worth ratio 10.25%, below the peer median of 13.88%; loan-to-share ratio 55.03%, below the peer median of 57.77%; return on assets 1.27%, above the peer median of 0.70%. At 10.25% 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 | $44.0M | $25.2M | $46.8M | $68.3M | record → |
| Shares and deposits | $39.4M | $21.4M | $40.0M | $58.3M | record → |
| Loans outstanding | $21.7M | $11.2M | $21.7M | $34.4M | record → |
| Net income (year to date) | $278.2k | $82.1k | $175.9k | $222.2k | record → |
| Net worth | $4.5M | $3.4M | $6.2M | $9.0M | record → |
| Net worth ratio | 10.25% | 13.88% | 12.10% | 12.65% | record → |
| Loan-to-share ratio | 55.03% | 57.77% | 60.91% | 68.70% | computed |
| Return on assets | 1.27% | 0.70% | 0.77% | 0.71% | computed |
| Members | 3,850 | 2,092 | 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 | $44.0M | $39.4M | $21.7M | $278.2k | 10.25% | 3,850 | 2513 |
| 2026Q1 | $42.5M | $38.1M | $21.7M | $130.9k | 10.26% | 3,875 | 2554 |
| 2025Q4 | $41.3M | $37.0M | $20.6M | $422.2k | 10.25% | 3,860 | 2575 |
| 2025Q3 | $40.6M | $36.4M | $20.4M | $321.3k | 10.20% | 3,850 | 2595 |
| 2025Q2 | $41.6M | $37.6M | $21.2M | $193.4k | 9.64% | 3,871 | 2584 |
| 2025Q1 | $40.6M | $36.7M | $21.0M | $81.9k | 9.61% | 3,875 | 2622 |
| 2024Q4 | $40.8M | $37.0M | $21.2M | $318.9k | 9.36% | 3,899 | 2608 |
| 2024Q3 | $40.0M | $36.3M | $21.7M | $230.9k | 9.36% | 3,910 | 2642 |
| 2024Q2 | $40.3M | $36.7M | $22.1M | $147.1k | 9.09% | 3,910 | 2647 |
| 2024Q1 | $40.3M | $36.9M | $22.6M | $64.9k | 8.87% | 3,947 | 2663 |
| 2023Q4 | $40.5M | $37.3M | $23.2M | $127.4k | 8.66% | 3,954 | 2651 |
| 2023Q3 | $40.9M | $37.5M | $23.9M | $83.1k | 8.51% | 3,973 | 2643 |
| 2023Q2 | $42.4M | $39.4M | $23.4M | $61.2k | 8.15% | 3,958 | 2625 |
| 2023Q1 | $41.9M | $38.9M | $21.9M | $31.4k | 8.18% | 3,921 | 2654 |
| 2022Q4 | $42.0M | $39.0M | $21.3M | $141.2k | 8.09% | 3,916 | 2665 |
| 2022Q3 | $41.8M | $38.9M | $19.9M | $80.2k | 7.98% | 3,894 | 2686 |
| 2022Q2 | $43.0M | $40.7M | $18.3M | $49.7k | 7.69% | 3,877 | 2665 |
| 2022Q1 | $42.5M | $39.9M | $16.9M | $36.4k | 7.75% | 3,847 | 2684 |
| 2021Q4 | $42.6M | $39.5M | $15.7M | $221.7k | 7.65% | 3,846 | 2667 |
| 2021Q3 | $42.6M | $39.3M | $15.0M | $226.1k | 7.66% | 3,875 | 2663 |
| 2021Q2 | $43.2M | $40.0M | $14.6M | $87.4k | 7.23% | 3,869 | 2651 |
| 2021Q1 | $42.3M | $39.1M | $14.0M | $32.6k | 7.26% | 3,882 | 2675 |
| 2020Q4 | $39.6M | $36.4M | $14.6M | $145.6k | 7.66% | 3,864 | 2690 |
| 2020Q3 | $39.0M | $35.8M | $15.0M | $109.3k | 7.68% | 3,897 | 2680 |
| 2020Q2 | $38.2M | $35.0M | $15.3M | $70.4k | 7.75% | 3,916 | 2690 |
| 2020Q1 | $34.5M | $31.5M | $16.0M | $42.2k | 8.49% | 3,944 | 2730 |
| 2019Q4 | $34.0M | $31.1M | $16.6M | $154.6k | 8.49% | 3,960 | 2720 |
| 2019Q3 | $34.4M | $31.5M | $16.5M | $116.2k | 8.28% | 3,983 | 2706 |
| 2019Q2 | $34.8M | $32.0M | $15.9M | $58.8k | 8.03% | 3,989 | 2712 |
| 2019Q1 | $33.9M | $31.2M | $15.5M | $22.7k | 8.14% | 3,995 | 2747 |
| 2018Q4 | $33.9M | $31.2M | $14.9M | $132.8k | 8.08% | 3,975 | 2728 |
| 2018Q3 | $33.8M | $31.2M | $14.3M | $108.2k | 8.02% | 3,967 | 2745 |
| 2018Q2 | $34.8M | $32.2M | $14.7M | $40.1k | 7.60% | 3,963 | 2726 |
| 2018Q1 | $32.2M | $29.7M | $14.7M | $9.3k | 8.11% | 3,972 | 2835 |
| 2017Q4 | $31.9M | $29.4M | $14.8M | $83.1k | 8.15% | 4,003 | 2815 |
| 2017Q3 | $31.9M | $29.3M | $14.7M | $56.4k | 8.07% | 4,011 | 2832 |
| 2017Q2 | $33.7M | $31.2M | $14.4M | $16.3k | 7.52% | 4,220 | 2776 |
| 2017Q1 | $32.5M | $30.0M | $14.1M | $27.9k | 7.83% | 4,197 | 2842 |
| 2016Q4 | $31.7M | $29.1M | $14.1M | $122.6k | 7.95% | 4,182 | 2839 |
| 2016Q3 | $31.0M | $28.3M | $14.3M | $107.7k | 8.09% | 4,185 | 2876 |
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