Federal credit union · SAN FRANCISCO, California · NCUA charter #21393
Delancey Street
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $501K
- Total assets
- 95
- Members
- 29.2%
- Net-worth ratio
Delancey Street scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $501K; members 95; net-worth ratio 29.17%; health rank #1,874 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,874 of 4,374 health · 2025Q4Delancey Street · health 85/100 · $501K · 2025Q4
- CAMELS 85/100
- HEALTH 29.2%
- NW 0.00%
- DELQ 1.92%
- ROA $501K
- ASSETS 95
- MEM #1,874/4,374
- RANK n/a
- PHOTO 21393
Call Report peers
Delancey Street carries $501K 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.
Delancey Street 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
85 Top 46% higher than 54% 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
Delancey Street - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #21393: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Delancey Street vs Under $2M peers
- Strongest edge vs 243 Under $2M peers is Net Worth Ratio: +6.24 pp (29.17% vs 22.93%).
- Loan-to-Share Ratio trails the peer set - 2.42% here, 52.70% peer average (-50.28 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for Delancey Street
- In California, health place is #112 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #241 of 243.
- California membership ordinal: #241 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Delancey Street's 5300 filing moved
Delancey Street: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.5% from $501K (2025Q4) to $498K (2026Q1).
- Net-worth ratio shifted +0.73 pp (28.44% → 29.17%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 29.17%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 6.0 pts
Delancey Street vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 29.17% | +6.24 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 1.92% | +1.70 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 2.42% | -50.28 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 - Delancey Street
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $498K | - |
| 2025Q4 | $501K | 95 |
| 2024Q4 | $439K | 95 |
| 2023Q4 | $432K | 82 |
Credit Union Details
- Charter Number
- 21393
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Under $2M
- State
- California
- City
- SAN FRANCISCO
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Delancey Street, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| San Francisco (Main Office) | San Francisco, CA |
| New Mexico | Ohkay Owingeh, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Delancey Street
Two NCUA Call Report peer sets for Delancey Street, both outside California 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 (85/100 here).
Using this data
- Delancey Street ranks #1,874 of 4,374 nationally on financial health and #112 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Los Angeles Lee is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Los Angeles Lee
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 Delancey Street financially healthy?
A 29.17% net worth ratio and a 0.00% delinquency rate feed into Delancey Street's financial health score of 85/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,874 of 4,374; by total assets it ranks #4,297 of 4,374 nationally (same basis as /rankings/largest); and #241 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Delancey Street compare to other credit unions?
On PlainCU's health composite, Delancey Street lands at 85/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Delancey Street?
Delancey Street serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Delancey Street directly for the current list of qualifying groups.
Is my money safe at Delancey Street?
Federal credit unions like Delancey Street 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. Delancey Street's net worth ratio of 29.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Delancey Street offer compared to banks?
Credit unions like Delancey Street 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 Delancey Street 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.