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
- NW 27/100
- DELQ 4.7%
- ROA 26.70%
- ASSETS 0.00%
- MEM $1.6M
- RANK 906
- PHOTO #4,368/4,374
- BOOK n/a
- CHARTER 20419
Call Report peers
BYKOTA carries $1.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
27 0th percentile in the bottom 1% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 6.82% here, 52.70% peer average (-45.88 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
BYKOTA: 2025Q4 → 2026Q1
BYKOTA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $1.6M (2025Q4) to $1.6M (2026Q1).
- Net-worth ratio shifted -0.42 pp (5.13% → 4.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 4.71%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 27/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 27.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
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
Cross-state asset and health neighbours for BYKOTA - kept outside New York; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (27/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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 27/100 (Weak). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,368 of 4,374; by total assets it ranks #4,177 of 4,374 nationally (same basis as /rankings/largest); and #247 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 4.71% 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 27/100 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 4.71% 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.
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.