Federal credit union · BRIARCLIFF MANO, New York · NCUA charter #23425

ACADEMIC

Health score 59/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.

59
Health / 100
$34.7M
Total assets
2,358
Members
10.1%
Net-worth ratio

ACADEMIC scores 59/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $34.7M; members 2,358; net-worth ratio 10.08%; health rank #4,092 of 4,374; healthier than 6th of scored peers.

NCUA 5300 Call Report masthead

NCUA 5300 Call Report Masthead

#4,092 of 4,374 health · 2025Q4

ACADEMIC · health 59/100 · $34.7M · 2025Q4

ACADEMIC in the assets neighbourhood

Alpena Community$34.9MSCHOFIELD$34.8MAUDUBON$34.8MALPHA$34.8MACADEMIC (this)$34.7MW S S C$34.7M
Nearest other-state credit unions by total assets (NCUA 5300)

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ACADEMIC vs every NCUA-scored credit union

The busiest band is 85-89 (858 credit unions); ACADEMIC sits in 55-59 with 115 others.

59 6th percentile higher than 6% of 4,374 credit unions

every scored credit union, bucketed by value

Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source NCUA 5300 Call Report aggregates · 2025Q4

ACADEMIC: Call Report deltas vs peers

  • Loan-to-Share Ratio trails the peer set - 37.15% here, 59.80% peer average (-22.65 pp).

Where ACADEMIC sits in New York

  • Health composite ranks #248 of 272 among scored New York credit unions.
  • New York assets place: #151 of 272.
  • Membership ranks #163 of 272 among New York CUs with a reported count (2,358 members).
  • One place up in New York, Transit Authority Division B (#247) ties at 59/100; one place down, GHS (#249) ties at 59/100.

Quarter path for ACADEMIC

ACADEMIC: total assets by quarter

2023Q4 to 2026Q1, NCUA 5300

34,500,00035,000,00035,500,00036,000,00036,500,000 2023Q42024Q42025Q42026Q1 36,204,619 36,138,181 ▼ -0.2%
  • Assets moved +4.0% from $34.7M (2025Q4) to $36.1M (2026Q1).
  • Net-worth ratio shifted -0.43 pp (10.51% → 10.08%).
Net worth ratio vs. NCUA well-capitalized threshold 67.2%

10.08% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

How the 59/100 score is built

ACADEMIC gives up 41 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.

  • Net Worth Ratio 30.0 pts
  • Delinquency Rate 17.2 pts
  • Return on Assets 2.1 pts
  • Member Growth 0.0 pts
  • Loan-to-Share Ratio 9.7 pts

ACADEMIC vs peer ratios

Metric Value vs peer
Net Worth Ratio 10.08% -4.78 pp
Delinquency Rate 1.38% +0.23 pp
Return on Assets -0.27% -0.98 pp
Member Growth -6.06% -
Loan-to-Share Ratio 37.15% -22.65 pp

Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.

ACADEMIC filing history

Quarter Assets Members
2026Q1 $36.1M -
2025Q4 $34.7M 2,358
2024Q4 $35.2M 2,510
2023Q4 $36.2M 2,544

Credit Union Details

Charter Number
23425
Type
Federal
Field of Membership
Single Common Bond
Peer Group
$10M–$50M
State
New York
City
BRIARCLIFF MANO
Data Quarter
2025Q4

Branch Location

ACADEMIC operates a single office in Briarcliff Manor, per its most recent NCUA branch filing.

Office City
Academic Federal Credit Union (Main Office) Briarcliff Manor, NY

Source: NCUA Credit Union Branch Information, 2025Q4 filing.

Nearby Credit Unions in New York

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Compare ACADEMIC vs STEUBEN CITIZENS

Nationwide credit unions with similar profiles

Using this data

  • ACADEMIC ranks #4,092 of 4,374 nationally on financial health and #248 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • Steuben Citizens is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Steuben Citizens

Frequently Asked Questions

Is ACADEMIC financially healthy?

ACADEMIC has a financial health score of 59/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,092 of 4,374 nationally on health and #248 of 272 in New York. Its net worth ratio is 10.08% and its delinquency rate 1.38%.

How does ACADEMIC compare to other credit unions?

ACADEMIC scores 59/100, higher than 6% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (37.15% vs 59.80%).

How can I join ACADEMIC?

ACADEMIC is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact ACADEMIC directly to confirm eligibility.

Is my money safe at ACADEMIC?

ACADEMIC is a federal credit union; its shares are federally 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. ACADEMIC's net worth ratio of 10.08% exceeds the 7% threshold NCUA considers "well capitalized."

Data sourced from the NCUA 5300 Call Report (2025Q4) for ACADEMIC. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

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