One Credit Union of NY Cheektowaga, New York
One Credit Union of NY is a state-chartered credit union headquartered in Cheektowaga, NY, established in 1933 (NCUA charter 60716), and it is regulated and insured by the NCUA. At Q2 2026 it reported 8,192 members and total assets of $114.4M (up 5.8% from Q2 2025), the 82nd largest of 267 credit unions headquartered in New York. Its net worth ratio was 13.16% at Q2 2026, in the well capitalized band.
Trade name filed with the NCUA: One Cu
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60716
- Headquarters
- Cheektowaga, NY
- Established
- 1933
- Total assets, Q2 2026
- $114.4M
- Assets vs Q2 2025
- +5.8%
- Members, Q2 2026
- 8,192
- Net worth ratio, Q2 2026
- 13.16%
- Latest call report
- Q2 2026, NCUA 5300 · One Credit Union of NY call report
- Asset rank in state
- 82nd of 267 in New York
- Routing number
- 222079495
- Branches
- 3
It has 732 fewer members than on June 30, 2025 (-8.2%). Its net worth ratio was up 1.76 percentage points from 11.40% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $20.5M of $41.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.12% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 13.16% net worth ratio is above that band's 11.43% median.
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Credit unions merged into One Credit Union of NY
Frequently asked about One Credit Union of NY
How big is One Credit Union of NY?
At Q2 2026 it reported total assets of $114.4M and 8,192 members.
Where is One Credit Union of NY headquartered?
It is headquartered in Cheektowaga, NY, United States.
When was One Credit Union of NY founded?
It was established in 1933, per NCUA records.
Is One Credit Union of NY FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60716): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates One Credit Union of NY?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is One Credit Union of NY well capitalized?
Its net worth ratio was 13.16% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is One Credit Union of NY's delinquency ratio?
Its delinquency ratio was 0.12% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is One Credit Union of NY's loan-to-share ratio?
Its loan-to-share ratio was 42.00% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Cheektowaga, NY 14225
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1933
- NCUA Charter #
- 60716
- RSSD ID
- 469492
- Members
- 8,192
- Potential members
- 1,000,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 13.16% | 11.43% | 70th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.63% | 0.81% | 89th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 12.40% | 7.02% | 89th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.87% | 3.70% | 61st above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 65.70% | 76.55% | 81st top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.48% | 1.24% | over 90th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.12% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.36% | 4.92% | 17th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 42.00% | 75.66% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$114.4M total assets against $108.1M; $99.0M total shares and deposits against $94.6M; $41.6M total loans against $40.3M.
$15.1M net worth against $12.3M.
13.16% net worth ratio against 11.40%.
42.00% loan-to-share ratio against 42.63%.
0.12% delinquency ratio against 0.10%.
1.63% return on assets against 1.46%; 12.40% return on equity against 12.77%.
3.87% net interest margin against 3.98%.
8,192 members against 8,924.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.16% | 1.63% | 0.12% | 42.00% |
| March 31, 2026 | 13.05% | 1.13% | 0.21% | 40.95% |
| December 31, 2025 | 12.97% | 0.61% | 0.51% | 43.39% |
| September 30, 2025 | 13.12% | 1.27% | 0.53% | 45.11% |
| June 30, 2025 | 11.40% | 1.46% | 0.10% | 42.63% |
| March 31, 2025 | 11.22% | 1.31% | 0.06% | 41.93% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.