Federal credit union · NEW YORK, New York · NCUA charter #5127
Church of the Master
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $997K
- Total assets
- 238
- Members
- 52.4%
- Net-worth ratio
Church of the Master scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $997K; members 238; net-worth ratio 52.44%; health rank #3,846 of 4,374; healthier than 11th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,846 of 4,374 health · 2025Q4Church of the Master · health 65/100 · $997K · 2025Q4
- RANK 65/100
- PHOTO 52.4%
- BOOK 2.32%
- CHARTER 1.49%
- NCUSIF $997K
- CAMELS 238
- HEALTH #3,846/4,374
- NW n/a
- DELQ 5127
Church of the Master carries $997K 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.
Church of the Master 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
65 11th percentile higher than 11% 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
Church of the Master - Share Insurance Coverage
Charter #5127'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.
Church of the Master: Call Report deltas vs peers
- Strongest edge vs 243 Under $2M peers is Net Worth Ratio: +29.51 pp (52.44% vs 22.93%).
- Largest lag: Loan-to-Share Ratio at 35.31% vs peer 52.70% (-17.39 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Church of the Master in New York
- Health composite ranks #225 of 272 among scored New York credit unions.
- By total assets, Church of the Master is #257 of 272 in New York.
- Member book place in New York: #255 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.
Church of the Master: 2025Q4 → 2026Q1
Church of the Master: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $997K (2025Q4) to $1.0M (2026Q1).
- Net-worth ratio shifted +0.58 pp (51.86% → 52.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 52.44% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.5 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.5 pts
Call Report ratios for Church of the Master
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 52.44% | +29.51 pp |
| Delinquency Rate | 2.32% | -2.16 pp |
| Return on Assets | 1.49% | +1.27 pp |
| Member Growth | -11.52% | - |
| Loan-to-Share Ratio | 35.31% | -17.39 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).
Call Report history - Church of the Master
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.0M | - |
| 2025Q4 | $997K | 238 |
| 2024Q4 | $652K | 269 |
| 2023Q4 | $618K | 267 |
Credit Union Details
- Charter Number
- 5127
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- Under $2M
- State
- New York
- City
- NEW YORK
- Data Quarter
- 2025Q4
Branch Location
Church of the Master operates a single office in New York, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Church of the Master Federal Credit Union (Main Office) | New York, 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.
- MOUNT VERNON NY POSTAL EMPLOYEESMount Vernon, NY · Under $2M73Health
- B.S. AND C.P. HOSPITALS EMPLOYEESBronx, NY · Under $2M70Health
- ABYSSINIAN BAPTIST CHURCHNEW YORK CITY, NY · Under $2M65Health
- STRATTON AIR NATIONAL GUARDSCOTIA, NY · Under $2M94Health
- BECCO BUFFALOTonawanda, NY · Under $2M98Health
Compare Church of the Master vs MOUNT VERNON NY POSTAL EMPLOYEES
Other-state peers near Church of the Master
Church of the Master's nationwide photo peers by assets and by health score, excluding New York charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- Church of the Master ranks #3,846 of 4,374 nationally on financial health and #225 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mount Vernon Ny Postal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mount Vernon Ny Postal 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 Church of the Master financially healthy?
Church of the Master has a financial health score of 65/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,846 of 4,374; by total assets it ranks #4,237 of 4,374 nationally (same basis as /rankings/largest); and #257 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 52.44% and delinquency rate of 2.32%.
How does Church of the Master compare to other credit unions?
PlainCU's health composite puts Church of the Master at 65/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Church of the Master?
Church of the Master 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 Church of the Master directly for the exact boundaries and application steps.
Is my money safe at Church of the Master?
Federal credit unions like Church of the Master 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. Church of the Master's net worth ratio of 52.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Church of the Master offer compared to banks?
Credit unions like Church of the Master 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 Church of the Master 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.