Credit Union Safety Analysis
Is District #6 Federal Credit Union Safe? Hornell, New York
Based on its Q2 2026 NCUA 5300 call report, District #6 Federal Credit Union has a net worth ratio of 7.46%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.68%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, District #6 Federal Credit Union's net worth ratio is 7.46%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.46%
- Delinquency ratio (60+ days) (Q2 2026): 0.68%
- Return on assets (Q2 2026): -0.13%
- Loan-to-share ratio (Q2 2026): 42.94%
District #6 Federal Credit Union (NCUA charter 1080, established 1936) reported $24.6M in assets and 1,781 members for Q2 2026 from Hornell, New York. It ranks 172 of 267 credit unions in New York by total assets. Total assets grew 4.0% from $23.7M on June 30, 2025. It has 88 more members than on June 30, 2025 (+5.2%). Its net worth ratio was down 1.00 percentage points from 8.46% on June 30, 2025. Used vehicle loans are its largest loan category, $3.1M of $9.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.68% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 7.73% for Q1 2026; 8.46% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.80% for Q1 2026; 1.15% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -2.10% for Q1 2026; 0.79% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 40.33% for Q1 2026; 44.55% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $3.1M
- Other unsecured loans and lines of credit: $2.4M
- 1- to 4-family residential and other consumer real estate loans: $2.2M
- New vehicle loans: $1.2M
- Other secured non-real estate loans and lines of credit: $921K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $24.6M | 7.46% | 0.68% | -0.13% | 42.94% |
| March 31, 2026 | $24.7M | 7.73% | 0.80% | -2.10% | 40.33% |
| December 31, 2025 | $24.2M | 8.17% | 1.10% | -0.99% | 41.01% |
| September 30, 2025 | $23.7M | 8.63% | 2.33% | 0.74% | 42.75% |
| June 30, 2025 | $23.7M | 8.46% | 1.15% | 0.79% | 44.55% |
| March 31, 2025 | $23.4M | 8.35% | 0.82% | 0.91% | 45.92% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
District #6 Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 1080) · FFIEC NIC profile (RSSD 631477)
Frequently asked questions
Is District #6 Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, District #6 Federal Credit Union's net worth ratio is 7.46%, above the 7% NCUA threshold for well capitalized.
Is District #6 Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. District #6 Federal Credit Union is a federally insured credit union (NCUA charter 1080): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are District #6 Federal Credit Union's key safety ratios?
For Q2 2026, District #6 Federal Credit Union reports net worth 7.46%, delinquency 0.68%, ROA -0.13%, loan-to-share 42.94%.
What happens to my money if District #6 Federal Credit Union fails?
For Q2 2026, District #6 Federal Credit Union held $22.8M in shares and deposits for 1,781 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.