Federal credit union · NEW YORK, New York · NCUA charter #5127
Church of the Master
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $997K
- Total assets
- 238
- Members
- 49.2%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)42
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)61
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 49.24% 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 | 49.24% | 30% |
| Delinquency Rate | 2.32% | 25% |
| Return on Assets | 1.49% | 15% |
| Member Growth | -11.52% | 15% |
| Loan-to-Share Ratio | 35.31% | 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 | $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
What This Data Says About Church of the Master
Charter #5127, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's Church of the Master, a federal credit union in NEW YORK, New York with 238 members, $997K in total assets, and $170K in outstanding loans as of Q4 2025. The five-factor composite scores it 65/100 (Good), helped by a net worth ratio of 49.24% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 35.31% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 2.32% 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 1.49% on net income of $15K 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 -11.52%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community/Select Employee Group) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 $2M48Health
- STRATTON AIR NATIONAL GUARDSCOTIA, NY · Under $2M94Health
- BECCO BUFFALOTonawanda, NY · Under $2M98Health
Compare Church of the Master 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 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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 49.24% 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 49.24% 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.
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.