Federal credit union · NEW YORK CITY, New York · NCUA charter #4170

Abyssinian Baptist Church

Health score 48/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.

48
Health / 100
$1.0M
Total assets
337
Members
3.3%
Net-worth ratio

Abyssinian Baptist Church - Share Insurance Coverage

Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #4170. See our deposit-insurance coverage note.

NCUSIF coverage gauge for Abyssinian Baptist Church Share insurance under NCUSIF covers up to $250,000 per share owner. Abyssinian Baptist Church holds approximately $940K in member shares. Composite CAMELS rating bracket 3 (Fair). Risk-based capital ratio 3.3 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 3 · Fair RBC ratio 3.3% · $940K member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Abyssinian Baptist Church - Five Health Pillars

This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.

  • Capital (net worth ratio) 3.31% 30% weight
  • Asset quality (delinquency) 1.47% 25% weight
  • Earnings (ROA) 3.96% 15% weight
  • Member growth -4.80% 15% weight
  • Liquidity (loan-to-share) 17% 15% weight

Weighted composite: 48/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 22.1%

3.31% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.

$1.0M
Total Assets
337
Members
$159K
Total Loans
$940K
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 3.31% 30%
Delinquency Rate 1.47% 25%
Return on Assets 3.96% 15%
Member Growth -4.80% 15%
Loan-to-Share Ratio 16.95% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $1.0M 337
2024Q4 $1.1M 354
2023Q4 $1.1M 346

Credit Union Details

Charter Number
4170
Type
Federal
Field of Membership
Community
Peer Group
Under $2M
State
New York
City
NEW YORK CITY
Data Quarter
2025Q4

What This Data Says About Abyssinian Baptist Church

Charter #4170, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's Abyssinian Baptist Church, a federal credit union in NEW YORK CITY, New York with 337 members, $1.0M in total assets, and $159K in outstanding loans as of Q4 2025. The five-factor composite scores it 48/100 (Below Average), helped by a net worth ratio of 3.31% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.

Deposits deployed into lending sit at a 16.95% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.47% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets stands at 3.96% on net income of $40K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by -4.80%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.

Nearby Credit Unions in New York

A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.

Compare Abyssinian Baptist Church vs B.S. AND C.P. HOSPITALS EMPLOYEES

Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is Abyssinian Baptist Church financially healthy?

Abyssinian Baptist Church has a financial health score of 48/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 3.31% and delinquency rate of 1.47%.

How does Abyssinian Baptist Church compare to other credit unions?

PlainCU's health composite puts Abyssinian Baptist Church at 48/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).

What is a credit union health score?

A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.

How can I join Abyssinian Baptist Church?

Abyssinian Baptist Church operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Abyssinian Baptist Church directly for the exact boundaries and application steps.

Is my money safe at Abyssinian Baptist Church?

Federal credit unions like Abyssinian Baptist Church are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Abyssinian Baptist Church's net worth ratio of 3.31% is relative to the 7% threshold NCUA considers "well capitalized."

What rates does Abyssinian Baptist Church offer compared to banks?

Credit unions like Abyssinian Baptist Church are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Abyssinian Baptist Church directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.