SPC BROOKLYN vs UNION BAPTIST GREENBURGH
Side-by-side comparison based on NCUA quarterly call report data.
SPC BROOKLYN scores higher on overall financial health (health score: 51/100). Higher health scores reflect stronger capital ratios, lower delinquency, and better earnings.
Financial Metrics Comparison
| Metric | SPC BROOKLYN | UNION BAPTIST GREENBURGH |
|---|---|---|
| Health Score 0–100, higher is better | 51 | 43 |
| Total Assets | $373,095 | $360,160 |
| Members | 298 | 157 |
| Net Worth Ratio Higher = better capitalized (≥7% = "well capitalized") | 13.08% | 27.77% |
| Delinquency Rate Lower = fewer past-due loans | 14.77% | 17.90% |
| Return on Assets (ROA) Higher = more profitable | 0.000% | 0.000% |
| Loan-to-Share Ratio Higher = more loans deployed vs deposits | 22.08% | 26.59% |
| Member Growth Year-over-year membership change | 0.0% | -10.3% |
Teal/bold = better performer on that metric. Financial ratios from most recently reported NCUA quarter.
Membership & Structure
| Detail | SPC BROOKLYN | UNION BAPTIST GREENBURGH |
|---|---|---|
| Location | Brooklyn, NY | WHITE PLAINS, NY |
| Charter Type | Federal | Federal |
| Field of Membership | Community | Community/Select Employee Group |
| Peer Group | Under $2M | Under $2M |
| Charter Number | 18858 | 16790 |
What This Comparison Says About SPC BROOKLYN vs UNION BAPTIST GREENBURGH
SPC BROOKLYN (Brooklyn, NY) and UNION BAPTIST GREENBURGH (WHITE PLAINS, NY) are both federally-insured credit unions reporting quarterly to the NCUA, but they differ meaningfully in scale and profile. SPC BROOKLYN holds $373,095 in assets across 298 members, while UNION BAPTIST GREENBURGH holds $360,160 across 157 members. On the composite health score, SPC BROOKLYN comes out ahead at 51/100 versus 43/100 for its counterpart — a gap driven by the weighted combination of capital, loan quality, earnings, growth, and liquidity metrics shown above. Charter numbers 18858 and 16790 indicate entirely separate NCUA supervisory records; they operate under peer groups Under $2M and Under $2M respectively.
Capital adequacy is the first check: SPC BROOKLYN's net worth ratio of 13.08% clears the NCUA's 7.0% "well capitalized" bar, while UNION BAPTIST GREENBURGH posts 27.77%. Loan quality — measured as loans 60+ days past due over total loans — comes in at 14.77% for SPC BROOKLYN and 17.90% for UNION BAPTIST GREENBURGH; 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 22.08% and 26.59% 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: SPC BROOKLYN is currently defined as "Community" and UNION BAPTIST GREENBURGH as "Community/Select Employee Group", 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." SPC BROOKLYN shows 13.08% vs UNION BAPTIST GREENBURGH at 27.77%. 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. SPC BROOKLYN: 14.77% — UNION BAPTIST GREENBURGH: 17.90%.
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.