Federal credit union · Bronx, New York · NCUA charter #20585
B.s. and C.p. Hospitals Employees
Health score 70/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $1.0M
- Total assets
- 539
- Members
- 14.0%
- Net-worth ratio
B.s. and C.p. Hospitals Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #20585. See our deposit-insurance coverage note.
B.s. and C.p. Hospitals Employees - 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)100
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth100
- Liquidity (loan-to-share)0
Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.03% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.03% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | -0.97% | 15% |
| Member Growth | 5.69% | 15% |
| Loan-to-Share Ratio | 133.15% | 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 | 539 |
| 2024Q4 | $988K | 510 |
| 2023Q4 | $1.0M | 536 |
Credit Union Details
- Charter Number
- 20585
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- New York
- City
- Bronx
- Data Quarter
- 2025Q4
What This Data Says About B.s. and C.p. Hospitals Employees
539 members and $1.0M in total assets sit behind B.s. and C.p. Hospitals Employees, a federal credit union in Bronx, New York, which posts a health score of 70/100 (Very Good) on the five-factor composite, with $867K in outstanding loans as of Q4 2025 and a net worth ratio of 14.03% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #20585 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
Deposits deployed into lending sit at a 133.15% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.00% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets stands at -0.97% on net income of $-9754 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 5.69%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
- MOUNT VERNON NY POSTAL EMPLOYEESMount Vernon, NY · Under $2M73Health
- ABYSSINIAN BAPTIST CHURCHNEW YORK CITY, NY · Under $2M48Health
- CHURCH OF THE MASTERNEW YORK, NY · Under $2M65Health
- STRATTON AIR NATIONAL GUARDSCOTIA, NY · Under $2M94Health
- BECCO BUFFALOTonawanda, NY · Under $2M98Health
Compare B.s. and C.p. Hospitals Employees vs MOUNT VERNON NY POSTAL EMPLOYEES
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 B.s. and C.p. Hospitals Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, B.s. and C.p. Hospitals Employees carries a financial health score of 70/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.03% net worth ratio and a 0.00% delinquency rate.
How does B.s. and C.p. Hospitals Employees compare to other credit unions?
On PlainCU's health composite, B.s. and C.p. Hospitals Employees lands at 70/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 B.s. and C.p. Hospitals Employees?
B.s. and C.p. Hospitals Employees 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 B.s. and C.p. Hospitals Employees directly for the exact boundaries and application steps.
Is my money safe at B.s. and C.p. Hospitals Employees?
Federal credit unions like B.s. and C.p. Hospitals Employees 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. B.s. and C.p. Hospitals Employees's net worth ratio of 14.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does B.s. and C.p. Hospitals Employees offer compared to banks?
Credit unions like B.s. and C.p. Hospitals Employees 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 B.s. and C.p. Hospitals Employees 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.