New Hartford, New York · Peer group 3
Special Metals Credit Union
Special Metals Credit Union holds $23.6M in assets across 1,767 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1961. Charter number 14522, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $23.6M |
|---|---|
| Total loans | $11.4M |
| Total shares (deposits) | $21.1M |
| Net worth | $2.6M |
| Members | 1,767 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 8.3% | |
|---|---|---|
| Loans | -23.7% | lower than 99% of its peer group |
| Deposits | 9.3% | higher than 90% of its peer group |
| Members | -7.7% | lower than 91% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 54.3% | around the 45th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.8% | around the 25th percentile of its peer group |
| Return on assets | -1.43% | lower than 96% of its peer group |
| Delinquency ratio | 1.11% | around the 71st percentile of its peer group |
| Cash / assets | 38.8% | higher than 98% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Special Metals Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New York — the comparison set a peer ratio is measured against.
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Albion, NY
$23.9M · 2,731 members
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- Alliance Niagara Credit Union
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- District #6 Credit Union
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- Ny Firefighters Bravest Credit Union
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- U. H. S. Employees Credit Union
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$25.0M · 3,059 members
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