HARRISON TEACHERS vs ST. PHILIP'S CHURCH
Side-by-side comparison based on NCUA quarterly call report data.
HARRISON TEACHERS scores higher on overall financial health (health score: 43/100). Higher health scores reflect stronger capital ratios, lower delinquency, and better earnings.
Financial Metrics Comparison
| Metric | HARRISON TEACHERS | ST. PHILIP'S CHURCH |
|---|---|---|
| Health Score 0–100, higher is better | 43 | 38 |
| Total Assets | $1.1M | $1.3M |
| Members | 260 | 298 |
| Net Worth Ratio Higher = better capitalized (≥7% = "well capitalized") | 10.17% | 33.82% |
| Delinquency Rate Lower = fewer past-due loans | 6.44% | 10.93% |
| Return on Assets (ROA) Higher = more profitable | 0.000% | 0.000% |
| Loan-to-Share Ratio Higher = more loans deployed vs deposits | 34.26% | 15.25% |
| Member Growth Year-over-year membership change | -3.7% | -2.3% |
Teal/bold = better performer on that metric. Financial ratios from most recently reported NCUA quarter.
Membership & Structure
| Detail | HARRISON TEACHERS | ST. PHILIP'S CHURCH |
|---|---|---|
| Location | HARRISON, NY | New York, NY |
| Charter Type | Federal | Federal |
| Field of Membership | Single Common Bond | Community |
| Peer Group | Under $2M | Under $2M |
| Charter Number | 2806 | 7172 |
What This Comparison Says About HARRISON TEACHERS vs ST. PHILIP'S CHURCH
HARRISON TEACHERS (HARRISON, NY) and ST. PHILIP'S CHURCH (New York, NY) are both federally-insured credit unions reporting quarterly to the NCUA, but they differ meaningfully in scale and profile. HARRISON TEACHERS holds $1.1M in assets across 260 members, while ST. PHILIP'S CHURCH holds $1.3M across 298 members. On the composite health score, HARRISON TEACHERS comes out ahead at 43/100 versus 38/100 for its counterpart — a gap driven by the weighted combination of capital, loan quality, earnings, growth, and liquidity metrics shown above. Charter numbers 2806 and 7172 indicate entirely separate NCUA supervisory records; they operate under peer groups Under $2M and Under $2M respectively.
Capital adequacy is the first check: HARRISON TEACHERS's net worth ratio of 10.17% clears the NCUA's 7.0% "well capitalized" bar, while ST. PHILIP'S CHURCH posts 33.82%. Loan quality — measured as loans 60+ days past due over total loans — comes in at 6.44% for HARRISON TEACHERS and 10.93% for ST. PHILIP'S CHURCH; lower is tighter. Earnings efficiency (ROA) shows 0.000% versus 0.000%, though credit unions as not-for-profit cooperatives often report ROA near zero by design, returning surplus to members through rates and dividends. Loan-to-share ratios of 34.26% and 15.25% indicate how each institution deploys member deposits — the 60–80% band is generally considered the balanced-liquidity window by industry analysts.
Both credit unions are covered by NCUSIF federal insurance up to $250,000 per depositor per ownership category, the same limit as FDIC coverage at banks — so the comparison here is about financial efficiency and member experience, not deposit safety. Before joining either institution, verify the field of membership: HARRISON TEACHERS is currently defined as "Single Common Bond" and ST. PHILIP'S CHURCH as "Community", and eligibility rules (employer, geography, association) determine who can actually open accounts. Current deposit rates, loan APRs, fees, and product availability change continuously and are not reflected in quarterly Call Report data — contact each credit union directly before opening accounts or borrowing. This comparison is informational only and is not financial advice, an endorsement, or a solicitation; credit union performance can shift materially quarter to quarter and should be re-evaluated with current reports before making any decision.
What to Consider When Choosing
Net Worth Ratio: The NCUA requires credit unions to maintain a net worth ratio of at least 7% to be considered "well capitalized." HARRISON TEACHERS shows 10.17% vs ST. PHILIP'S CHURCH at 33.82%. Higher ratios indicate stronger financial buffers.
Delinquency Rate: Measures the percentage of loans that are 60+ days past due. Lower delinquency rates indicate tighter underwriting and lower credit risk. HARRISON TEACHERS: 6.44% — ST. PHILIP'S CHURCH: 10.93%.
Return on Assets: ROA measures how efficiently a credit union generates income from its assets. Industry benchmark is typically 0.50–0.70%. Both values here may be close to zero since credit unions are not-for-profit and return value to members through lower rates and higher dividends.
Membership eligibility: Check each credit union's field of membership before applying. Many restrict membership by employer, geography, or community affiliation.