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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,174 of 4,374 health · 2025Q4CO-OPERATIVE · health 55/100 · $3.5M · 2025Q4
- NCUSIF 55/100
- CAMELS 22.4%
- HEALTH 1.26%
- NW -1.77%
- DELQ $3.5M
- ROA 419
- ASSETS #4,174/4,374
- MEM n/a
- RANK 1134
Call Report peers
CO-OPERATIVE carries $3.5M 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.
CO-OPERATIVE 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
55 4th percentile higher than 4% 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
CO-OPERATIVE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #1134: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CO-OPERATIVE Call Report trajectory
CO-OPERATIVE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.7% from $3.5M (2025Q4) to $3.5M (2026Q1).
- Net-worth ratio shifted +0.38 pp (22.03% → 22.41%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 55.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for CO-OPERATIVE, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (55/100 here).
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
- 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 CO-OPERATIVE financially healthy?
CO-OPERATIVE has a financial health score of 55/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,174 of 4,374; by total assets it ranks #4,008 of 4,374 nationally (same basis as /rankings/largest); and #236 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 22.41% and delinquency rate of 1.26%.
How does CO-OPERATIVE compare to other credit unions?
Five weighted metrics from NCUA filings produce CO-OPERATIVE's 55/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like CO-OPERATIVE 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. CO-OPERATIVE's net worth ratio of 22.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CO-OPERATIVE offer compared to banks?
Credit unions like CO-OPERATIVE 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 CO-OPERATIVE 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.