Federal credit union · WOODRIDGE, New York · NCUA charter #1134
CO-OPERATIVE
Health score 55/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $3.5M
- Total assets
- 419
- Members
- 22.4%
- Net-worth ratio
CO-OPERATIVE scores 55/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.5M; members 419; net-worth ratio 22.41%; health rank #4,174 of 4,374; healthier than 4th of scored peers.
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NCUA 5300 Call Report Masthead
#4,174 of 4,374 health · 2025Q4CO-OPERATIVE · health 55/100 · $3.5M · 2025Q4
Call Report peers
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CO-OPERATIVE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CO-OPERATIVE sits in 55-59 with 115 others.
55 4th percentile higher than 4% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for CO-OPERATIVE
- Largest favorable gap: Net Worth Ratio at 22.41% vs peer 19.06% (+3.35 pp).
- Loan-to-Share Ratio trails the peer set - 16.19% here, 63.60% peer average (-47.41 pp).
CO-OPERATIVE in New York
- In New York, health place is #256 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #236 of 272.
- Member book place in New York: #242 of 272.
- One place up in New York, Educational and Governmental (#255) scores 56/100, 1 point higher; one place down, St. John United (#257) ties at 55/100.
CO-OPERATIVE Call Report trajectory
CO-OPERATIVE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.7% from $3.5M (2025Q4) to $3.5M (2026Q1).
- Net-worth ratio shifted +0.38 pp (22.03% → 22.41%).
This credit union's 22.41% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 55/100 score is built
CO-OPERATIVE gives up 45 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.0 pts
Call Report ratios for CO-OPERATIVE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.41% | +3.35 pp |
| Delinquency Rate | 1.26% | -0.55 pp |
| Return on Assets | -1.77% | -2.22 pp |
| Member Growth | -13.07% | - |
| Loan-to-Share Ratio | 16.19% | -47.41 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - CO-OPERATIVE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.5M | - |
| 2025Q4 | $3.5M | 419 |
| 2024Q4 | $3.9M | 482 |
| 2023Q4 | $5.2M | 559 |
Credit Union Details
- Charter Number
- 1134
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- New York
- City
- WOODRIDGE
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for CO-OPERATIVE.
| Office | City |
|---|---|
| HOME OFFICE (Main Office) | WOODRIDGE, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Other-state peers near CO-OPERATIVE
Using this data
- CO-OPERATIVE ranks #4,174 of 4,374 nationally on financial health and #256 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Empirt 207 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Empirt 207
Frequently Asked Questions
Is CO-OPERATIVE financially healthy?
CO-OPERATIVE has a financial health score of 55/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,174 of 4,374 nationally on health and #256 of 272 in New York. Its net worth ratio is 22.41% and its delinquency rate 1.26%.
How does CO-OPERATIVE compare to other credit unions?
CO-OPERATIVE scores 55/100, higher than 4% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (22.41% vs 19.06%). Its widest shortfall is loan-to-share ratio (16.19% vs 63.60%).
How can I join CO-OPERATIVE?
CO-OPERATIVE 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 CO-OPERATIVE directly for the exact boundaries and application steps.
Is my money safe at CO-OPERATIVE?
CO-OPERATIVE 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. CO-OPERATIVE's net worth ratio of 22.41% exceeds 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.