Federal credit union · BROOKLYN, New York · NCUA charter #23888
BEREA
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $92K
- Total assets
- 96
- Members
- 13.6%
- Net-worth ratio
BEREA scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $92K; members 96; net-worth ratio 13.62%; health rank #3,329 of 4,374; healthier than 23rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,329 of 4,374 health · 2025Q4BEREA · health 74/100 · $92K · 2025Q4
Call Report peers
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BEREA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BEREA sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for BEREA
- Strongest edge vs 243 Under $2M peers is Delinquency Rate: -4.48 pp (0.00% vs 4.48%).
- Loan-to-Share Ratio trails the peer set - 6.76% here, 52.70% peer average (-45.94 pp).
BEREA in New York
- In New York, health place is #189 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #271 of 272.
- Membership ranks #269 of 272 among New York CUs with a reported count (96 members).
- One place up in New York, Great Neck School Employees (#188) ties at 74/100; one place down, Family First of Ny (#190) ties at 74/100.
BEREA: 2025Q4 → 2026Q1
BEREA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.2% from $92K (2025Q4) to $96K (2026Q1).
- Net-worth ratio shifted -0.37 pp (13.99% → 13.62%).
13.62% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 74/100 score is built
BEREA gives up 26 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 12.9 pts
- Loan-to-Share Ratio 6.1 pts
BEREA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.62% | -9.31 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | -0.96% | -1.19 pp |
| Member Growth | 3.23% | - |
| Loan-to-Share Ratio | 6.76% | -45.94 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
BEREA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $96K | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for BEREA.
| Office | City |
|---|---|
| Berea FCU (Main Office) | Brooklyn, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Other-state peers near BEREA
Using this data
- BEREA ranks #3,329 of 4,374 nationally on financial health and #189 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Southern Baptist Church of New York is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Southern Baptist Church of New York
Frequently Asked Questions
Is BEREA financially healthy?
On its 2025Q4 NCUA 5300 filing, BEREA scores 74/100 (Very Good), with a 13.62% net worth ratio and 0.00% of loans delinquent. It ranks #3,329 of 4,374 nationally on health and #189 of 272 in New York.
How does BEREA compare to other credit unions?
BEREA scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (0.00% vs 4.48%). Its widest shortfall is loan-to-share ratio (6.76% vs 52.70%).
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?
BEREA 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. BEREA's net worth ratio of 13.62% exceeds the 7% threshold NCUA considers "well capitalized."
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.