Federal credit union · BROOKLYN, New York · NCUA charter #23888
Berea
Health score 48/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 48
- Health / 100
- $92K
- Total assets
- 96
- Members
- 1.6%
- Net-worth ratio
Berea - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #23888. See our deposit-insurance coverage note.
Berea - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)13
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth86
- Liquidity (loan-to-share)44
Weighted composite: 48/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
1.55% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 1.55% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | -0.96% | 15% |
| Member Growth | 3.23% | 15% |
| Loan-to-Share Ratio | 6.76% | 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 | $92K | 96 |
| 2024Q4 | $83K | 93 |
| 2023Q4 | $87K | 96 |
Credit Union Details
- Charter Number
- 23888
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- New York
- City
- BROOKLYN
- Data Quarter
- 2025Q4
What This Data Says About Berea
The five-factor composite scores Berea at 48/100 (Below Average), reflecting a net worth ratio of 1.55% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in BROOKLYN, New York, reports 96 members, $92K in total assets, and $5K in outstanding loans as of Q4 2025 under charter #23888 (peer group Under $2M, a cohort of 243 similarly-sized institutions).
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers - and a 6.76% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.96% on net income of $-891 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 3.23%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
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 Berea financially healthy?
Yes/no aside, the number is 48/100 (Below Average) - Berea's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 1.55% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Berea compare to other credit unions?
Berea scores 48/100 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 Berea?
Berea 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 Berea directly for the exact boundaries and application steps.
Is my money safe at Berea?
Federal credit unions like Berea 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. Berea's net worth ratio of 1.55% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Berea offer compared to banks?
Credit unions like Berea 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 Berea 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.