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
- DELQ 59/100
- ROA 15.7%
- ASSETS 5.75%
- MEM 0.13%
- RANK $9.0M
- PHOTO 2,482
- BOOK #4,084/4,374
- CHARTER n/a
- NCUSIF 20336
Call Report peers
Division 726 carries $9.0M 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.
Division 726 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
59 6th percentile higher than 6% 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
Division 726 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #20336, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Division 726: Call Report deltas vs peers
- Largest lag: Loan-to-Share Ratio at 58.98% vs peer 63.60% (-4.62 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Division 726: 2025Q4 → 2026Q1
Division 726: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.6% from $9.0M (2025Q4) to $9.0M (2026Q1).
- Net-worth ratio shifted +0.40 pp (15.34% → 15.74%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 59.
- 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 |
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).
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
Two NCUA Call Report peer sets for Division 726, 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 (59/100 here).
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
- 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 Division 726 financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Division 726 carries a financial health score of 59/100 (Fair). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,084 of 4,374; by total assets it ranks #3,608 of 4,374 nationally (same basis as /rankings/largest); and #213 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 15.74% net worth ratio and a 5.75% delinquency rate.
How does Division 726 compare to other credit unions?
59/100 is Division 726's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Division 726 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. Division 726's net worth ratio of 15.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Division 726 offer compared to banks?
Credit unions like Division 726 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 Division 726 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.