Federal credit union · Brooklyn, New York · NCUA charter #20419
BYKOTA
Health score 27/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 27
- Health / 100
- $1.6M
- Total assets
- 906
- Members
- 4.7%
- Net-worth ratio
BYKOTA scores 27/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.6M; members 906; net-worth ratio 4.71%; health rank #4,368 of 4,374; healthier than 0th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,368 of 4,374 health · 2025Q4BYKOTA · health 27/100 · $1.6M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BYKOTA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BYKOTA sits in 25-29 with 4 others.
27 0th percentile in the bottom 1% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
BYKOTA: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 6.82% here, 52.70% peer average (-45.88 pp).
New York standing for BYKOTA
- New York health ordinal: #272 of 272.
- Assets rank #247 of 272 inside New York ($1.6M reported).
- Member book place in New York: #216 of 272.
- No scored New York credit union ranks lower; the next one up, BROCKPORT (#271) scores 34/100, 7 points higher.
BYKOTA: 2025Q4 → 2026Q1
BYKOTA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.2% from $1.6M (2025Q4) to $1.6M (2026Q1).
- Net-worth ratio shifted -0.42 pp (5.13% → 4.71%).
At 4.71%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 27/100 score is built
BYKOTA gives up 73 points in total. Delinquency Rate costs the most, 25 of its 25; Loan-to-Share Ratio loses the least, 8.4.
- Net Worth Ratio 11.8 pts
- Delinquency Rate 0.0 pts
- Return on Assets 4.5 pts
- Member Growth 4.0 pts
- Loan-to-Share Ratio 6.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 4.71% | -18.22 pp |
| Delinquency Rate | 26.70% | +22.22 pp |
| Return on Assets | 0.00% | -0.22 pp |
| Member Growth | -2.79% | - |
| Loan-to-Share Ratio | 6.82% | -45.88 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
BYKOTA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.6M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, BYKOTA runs one office.
| Office | City |
|---|---|
| Bethel SDA Church (Main Office) | Brooklyn, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- BYKOTA ranks #4,368 of 4,374 nationally on financial health and #272 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Scf Westchester N. Y. Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Scf Westchester N. Y. Employees
Frequently Asked Questions
Is BYKOTA financially healthy?
On its 2025Q4 NCUA 5300 filing, BYKOTA scores 27/100 (Weak), with a 4.71% net worth ratio and 26.70% of loans delinquent. It ranks #4,368 of 4,374 nationally on health and #272 of 272 in New York.
How does BYKOTA compare to other credit unions?
BYKOTA scores 27/100, higher than 0% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (6.82% vs 52.70%).
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?
BYKOTA 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. BYKOTA's net worth ratio of 4.71% is relative to 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.