Federal credit union · Brooklyn, New York · NCUA charter #20419
Bykota
Health score 28/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 28
- Health / 100
- $1.6M
- Total assets
- 906
- Members
- 5.1%
- Net-worth ratio
Bykota - Share Insurance Coverage
Charter #20419's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Bykota - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)43
- Asset quality (delinquency)0
- Earnings (ROA)30
- Member growth27
- Liquidity (loan-to-share)44
Weighted composite: 28/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 5.13%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.13% | 30% |
| Delinquency Rate | 26.70% | 25% |
| Return on Assets | 0.00% | 15% |
| Member Growth | -2.79% | 15% |
| Loan-to-Share Ratio | 6.82% | 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 | $1.6M | 906 |
| 2024Q4 | $1.6M | 932 |
| 2023Q4 | $2.0M | 950 |
Credit Union Details
- Charter Number
- 20419
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- New York
- City
- Brooklyn
- Data Quarter
- 2025Q4
What This Data Says About Bykota
Headquartered in Brooklyn, New York, Bykota is a federal credit union with 906 members, $1.6M in total assets, and $101K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 28/100 (Weak), driven in part by a net worth ratio of 5.13% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #20419 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
On loan book quality: 26.70% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Meanwhile a 6.82% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.00% on net income of $0 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 -2.79%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group 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 Bykota financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Bykota carries a financial health score of 28/100 (Weak). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 5.13% net worth ratio and a 26.70% delinquency rate.
How does Bykota compare to other credit unions?
Five weighted metrics from NCUA filings produce Bykota's 28/100 score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Bykota?
Bykota 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 Bykota directly for the exact boundaries and application steps.
Is my money safe at Bykota?
Federal credit unions like Bykota 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. Bykota's net worth ratio of 5.13% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Bykota offer compared to banks?
Credit unions like Bykota 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 Bykota 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.