Credit Union
ABYSSINIAN BAPTIST CHURCH
Health Score
25/100
Total Assets
$1.0M
Members
337
NEW YORK CITY, New York
2026 data Public-data reference. official source

ABYSSINIAN BAPTIST CHURCH

Open-data reference.

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NEW YORK CITY, New York · Charter #4170 · Federal Credit Union
25
Health Score
Weak

Health Score

25/100

PlainCU 5-factor composite (NCUA 5300 Call Report)

Charter #

4170

NCUA-issued institution identifier

Source

NCUA

Quarterly 5300 Call Report — 2025Q4

ABYSSINIAN BAPTIST CHURCH — Share Insurance Coverage

Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.

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 4 (Marginal). Risk-based capital ratio 3.3 percent. Share Insurance Coverage Federal NCUSIF — $250K per share owner 1 2 3 4 5 CAMELS 4 · Marginal 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

Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.

Health Pillars (0-100)

Health Pillars (0-100) Horizontal bar chart of the top 5 items by value. Health Pillars (0-100) Top 5 1. Net Worth 3.31% 2. Loan Quality 1.47% delinq 3. ROA 0.00% 4. Member Growth -4.80% 5. Liquidity 17% LTS Source: NCUA 5300 Call Report — calculations per PlainCU methodology
Net worth ratio vs. NCUA well-capitalized threshold 22.1%

At 3.31%, this institution is below the 7.0% NCUA well-capitalized threshold.

$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 0.00% 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

ABYSSINIAN BAPTIST CHURCH is a federal credit union headquartered in NEW YORK CITY, New York, serving 337 members with $1.0M in total assets and $159K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 25/100 (Weak), anchored by a net worth ratio of 3.31% — relative to the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #4170 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.

Loan book quality and earnings power round out the picture. The delinquency rate of 1.47% measures loans 60+ days past due against total loans outstanding — the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 16.95% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital.

Every deposit account at ABYSSINIAN BAPTIST CHURCH is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by -4.80%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Community), and current deposit and loan rates should be verified directly with ABYSSINIAN BAPTIST CHURCH before opening any account or borrowing.

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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 25/100 (Weak) 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?

ABYSSINIAN BAPTIST CHURCH scores 25/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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?

Membership eligibility for ABYSSINIAN BAPTIST CHURCH depends on its field of membership — currently: Community. Credit unions typically require a common bond such as employer, location, or association membership. Contact ABYSSINIAN BAPTIST CHURCH directly for current membership requirements 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.