Spencerport, New York · Peer group 3
Spencerport Credit Union
Spencerport Credit Union holds $42.7M in assets across 4,442 members as of Q1 2026 — about $10K of assets per member, on a charter dating to 1962. Charter number 14884, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $42.7M |
|---|---|
| Total loans | $22.1M |
| Total shares (deposits) | $38.7M |
| Net worth | $3.9M |
| Members | 4,442 |
| Assets per member | $10K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 6.2% | |
|---|---|---|
| Loans | 6.5% | around the 85th percentile of its peer group |
| Deposits | 5.6% | around the 78th percentile of its peer group |
| Members | 0.9% | around the 76th percentile 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 | 57.1% | around the 50th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.1% | around the 11th percentile of its peer group |
| Return on assets | 0.74% | around the 56th percentile of its peer group |
| Delinquency ratio | 0.74% | around the 58th percentile of its peer group |
| Cash / assets | 4.4% | lower than 91% 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 Spencerport 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.
- Solutions Credit Union
ELMIRA, NY
$43.0M · 3,386 members
- Amherst Credit Union
AMHERST, NY
$42.5M · 3,875 members
- Parks Heritage Credit Union
GLENS FALLS, NY
$41.9M · 3,695 members
- Rochester & Monroe Co Emp Credit Union
Rochester, NY
$44.6M · 4,100 members
- Sweet Home Credit Union
AMHERST, NY
$44.7M · 2,859 members
- N Y Team Credit Union
Ronkonkoma, NY
$44.7M · 5,170 members
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