Credit Union Safety Analysis
Is Stratton Air National Guard Federal Credit Union Safe? Scotia, New York
Based on its Q2 2026 NCUA 5300 call report, Stratton Air National Guard Federal Credit Union has a net worth ratio of 39.30%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, Stratton Air National Guard Federal Credit Union's net worth ratio is 39.30%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 39.30%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 1.54%
- Loan-to-share ratio (Q2 2026): 77.96%
Stratton Air National Guard Federal Credit Union (NCUA charter 10773, established 1956) reported $920K in assets and 870 members for Q2 2026 from Scotia, New York. It ranks 253 of 267 credit unions in New York by total assets. Total assets fell 4.8% from $967K on June 30, 2025. It has 1 more member than on June 30, 2025 (+0.1%). Its net worth ratio was up 3.61 percentage points from 35.69% on June 30, 2025. Used vehicle loans are its largest loan category, $208K of $435K in total loans on its June 30, 2026 filing.
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: 38.49% for Q1 2026; 35.69% 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%.
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: 1.59% for Q1 2026; 1.53% 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: 75.03% for Q1 2026; 73.52% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $208K
- Other unsecured loans and lines of credit: $108K
- New vehicle loans: $74K
- Other secured non-real estate loans and lines of credit: $45K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $920K | 39.30% | — | 1.54% | 77.96% |
| March 31, 2026 | $930K | 38.49% | — | 1.59% | 75.03% |
| December 31, 2025 | $975K | 36.34% | — | 1.81% | 68.03% |
| September 30, 2025 | $921K | 38.01% | — | 2.21% | 79.88% |
| June 30, 2025 | $967K | 35.69% | — | 1.53% | 73.52% |
| March 31, 2025 | $932K | 36.61% | — | 1.56% | 69.36% |
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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.
Stratton Air National Guard Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 10773) · FFIEC NIC profile (RSSD 804682)
Frequently asked questions
Is Stratton Air National Guard Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Stratton Air National Guard Federal Credit Union's net worth ratio is 39.30%, above the 7% NCUA threshold for well capitalized.
Is Stratton Air National Guard Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Stratton Air National Guard Federal Credit Union is a federally insured credit union (NCUA charter 10773): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Stratton Air National Guard Federal Credit Union's key safety ratios?
For Q2 2026, Stratton Air National Guard Federal Credit Union reports net worth 39.30%, delinquency not reported, ROA 1.54%, loan-to-share 77.96%.
What happens to my money if Stratton Air National Guard Federal Credit Union fails?
For Q2 2026, Stratton Air National Guard Federal Credit Union held $558K in shares and deposits for 870 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.