Federal credit union · Brockport, New York · NCUA charter #20013
Brockport
Health score 32/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 32
- Health / 100
- $15.5M
- Total assets
- 1,206
- Members
- 4.7%
- Net-worth ratio
Brockport - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #20013: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Brockport - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)39
- Asset quality (delinquency)22
- Earnings (ROA)0
- Member growth28
- Liquidity (loan-to-share)72
Weighted composite: 32/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
4.73% 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 | 4.73% | 30% |
| Delinquency Rate | 3.12% | 25% |
| Return on Assets | -1.62% | 15% |
| Member Growth | -2.66% | 15% |
| Loan-to-Share Ratio | 51.38% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $15.5M | 1,206 |
| 2024Q4 | $15.7M | 1,239 |
| 2023Q4 | $15.5M | 1,294 |
Credit Union Details
- Charter Number
- 20013
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Brockport
- Data Quarter
- 2025Q4
What This Data Says About Brockport
Charter #20013, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Brockport, a federal credit union in Brockport, New York with 1,206 members, $15.5M in total assets, and $7.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 32/100 (Weak), helped by a net worth ratio of 4.73% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 3.12% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers - and a 51.38% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -1.62% on net income of $-250575 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 -2.66%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other/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
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
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 Brockport financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Brockport carries a financial health score of 32/100 (Weak). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 4.73% net worth ratio and a 3.12% delinquency rate.
How does Brockport compare to other credit unions?
Brockport scores 32/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Brockport?
Brockport 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 Brockport directly for the exact boundaries and application steps.
Is my money safe at Brockport?
Federal credit unions like Brockport 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. Brockport's net worth ratio of 4.73% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Brockport offer compared to banks?
Credit unions like Brockport 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 Brockport 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.