New York, New York · Peer group 3
The Finest Credit Union
The Finest Credit Union holds $35.8M in assets across 12,316 members as of Q1 2026 — about $3K of assets per member, on a charter dating to 2015. Charter number 24862, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $35.8M |
|---|---|
| Total loans | $27.5M |
| Total shares (deposits) | $27.6M |
| Net worth | $8.5M |
| Members | 12,316 |
| Assets per member | $3K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 8.2% | |
|---|---|---|
| Loans | -4.8% | around the 36th percentile of its peer group |
| Deposits | 5.9% | around the 80th percentile of its peer group |
| Members | 17.0% | higher than 99% 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 | 99.6% | higher than 98% of its peer group |
|---|---|---|
| Net worth ratio | 23.8% | higher than 93% of its peer group |
| Return on assets | 1.08% | around the 72nd percentile of its peer group |
| Delinquency ratio | 1.96% | around the 84th percentile of its peer group |
| Cash / assets | 21.2% | around the 86th percentile 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 The Finest 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.
- Steuben Citizens Credit Union
BATH, NY
$35.8M · 2,575 members
- Academic Credit Union
BRIARCLIFF MANO, NY
$36.1M · 2,358 members
- Finger Lakes Health Care Credit Union
ELMIRA, NY
$35.0M · 2,464 members
- O and R Utilities Employees Credit Union
Monroe, NY
$34.8M · 1,957 members
- Chen-Del-O Credit Union
FRANKLIN, NY
$34.7M · 2,677 members
- Ed-Med Credit Union
OGDENSBURG, NY
$34.0M · 2,088 members
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