Federal credit union · Brooklyn, New York · NCUA charter #16951
CONSUMERS
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $105.0M
- Total assets
- 3,178
- Members
- 11.3%
- Net-worth ratio
CONSUMERS scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $105.0M; members 3,178; net-worth ratio 11.32%; health rank #2,987 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,987 of 4,374 health · 2025Q4CONSUMERS · health 78/100 · $105.0M · 2025Q4
Call Report peers
CONSUMERS in the assets neighbourhood
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CONSUMERS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CONSUMERS sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
CONSUMERS: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 101.08% vs peer 72.20% (+28.88 pp).
- Net Worth Ratio trails the peer set - 11.32% here, 12.11% peer average (-0.79 pp).
Where CONSUMERS sits in New York
- In New York, health place is #170 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, CONSUMERS is #86 of 272 in New York.
- New York membership ordinal: #136 of 272.
- One place up in New York, Erie County Employees (#169) ties at 78/100; one place down, Tompkins Employees (#171) ties at 78/100.
CONSUMERS: 2025Q4 → 2026Q1
CONSUMERS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.7% from $105.0M (2025Q4) to $104.2M (2026Q1).
- Net-worth ratio shifted +0.13 pp (11.19% → 11.32%).
11.32% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
CONSUMERS gives up 22 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.6 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.32% | -0.79 pp |
| Delinquency Rate | 0.12% | -0.77 pp |
| Return on Assets | 0.34% | -0.28 pp |
| Member Growth | -6.86% | - |
| Loan-to-Share Ratio | 101.08% | +28.88 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
CONSUMERS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $104.2M | - |
| 2025Q4 | $105.0M | 3,178 |
| 2024Q4 | $97.0M | 3,412 |
| 2023Q4 | $96.3M | 3,895 |
Credit Union Details
- Charter Number
- 16951
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Brooklyn
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for CONSUMERS, spread across 2 cities.
| Office | City |
|---|---|
| CI OFFICE (Main Office) | Brooklyn, NY |
| LI Office | Massapequa, 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.
CONSUMERS nationwide neighbourhoods
Similar total assets
Using this data
- CONSUMERS ranks #2,987 of 4,374 nationally on financial health and #170 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Next Step is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Next Step
Frequently Asked Questions
Is CONSUMERS financially healthy?
On its 2025Q4 NCUA 5300 filing, CONSUMERS scores 78/100 (Very Good), with a 11.32% net worth ratio and 0.12% of loans delinquent. It ranks #2,987 of 4,374 nationally on health and #170 of 272 in New York.
How does CONSUMERS compare to other credit unions?
CONSUMERS scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (101.08% vs 72.20%). Its widest shortfall is net worth ratio (11.32% vs 12.11%).
How can I join CONSUMERS?
CONSUMERS 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 CONSUMERS directly for the exact boundaries and application steps.
Is my money safe at CONSUMERS?
CONSUMERS 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. CONSUMERS's net worth ratio of 11.32% 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.