Federal credit union · STATEN ISLAND, New York · NCUA charter #20336
Division 726
Health score 59/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $9.0M
- Total assets
- 2,482
- Members
- 15.7%
- Net-worth ratio
Division 726 scores 59/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.0M; members 2,482; net-worth ratio 15.74%; health rank #4,084 of 4,374; healthier than 6th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,084 of 4,374 health · 2025Q4Division 726 · health 59/100 · $9.0M · 2025Q4
Call Report peers
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Division 726 vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Division 726 sits in 55-59 with 115 others.
59 6th percentile higher than 6% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Division 726: Call Report deltas vs peers
- Largest lag: Loan-to-Share Ratio at 58.98% vs peer 63.60% (-4.62 pp).
New York standing for Division 726
- New York health ordinal: #245 of 272.
- Assets rank #213 of 272 inside New York ($9.0M reported).
- Member book place in New York: #161 of 272.
- One place up in New York, Greater Metro (#244) scores 60/100, 1 point higher; one place down, Saint John a M E (#246) ties at 59/100.
Division 726: 2025Q4 → 2026Q1
Division 726: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $9.0M (2025Q4) to $9.0M (2026Q1).
- Net-worth ratio shifted +0.40 pp (15.34% → 15.74%).
This credit union's 15.74% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 59/100 score is built
Division 726 gives up 41 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 9.4 pts
- Member Growth 6.6 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for Division 726
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.74% | -3.32 pp |
| Delinquency Rate | 5.75% | +3.94 pp |
| Return on Assets | 0.13% | -0.32 pp |
| Member Growth | -1.35% | - |
| Loan-to-Share Ratio | 58.98% | -4.62 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.0M | - |
| 2025Q4 | $9.0M | 2,482 |
| 2024Q4 | $9.6M | 2,516 |
| 2023Q4 | $11.0M | 2,524 |
Credit Union Details
- Charter Number
- 20336
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $2M–$10M
- State
- New York
- City
- STATEN ISLAND
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Division 726 runs one office.
| Office | City |
|---|---|
| DIVISION 726 FCU (Main Office) | STATEN ISLAND, 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.
Nationwide credit unions with similar profiles
Using this data
- Division 726 ranks #4,084 of 4,374 nationally on financial health and #245 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Plattsburgh City School District is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Plattsburgh City School District
Frequently Asked Questions
Is Division 726 financially healthy?
Division 726 has a financial health score of 59/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,084 of 4,374 nationally on health and #245 of 272 in New York. Its net worth ratio is 15.74% and its delinquency rate 5.75%.
How does Division 726 compare to other credit unions?
Division 726 scores 59/100, higher than 6% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (58.98% vs 63.60%).
How can I join Division 726?
Division 726 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 Division 726 directly for the exact boundaries and application steps.
Is my money safe at Division 726?
Division 726 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. Division 726's net worth ratio of 15.74% 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.