Federal credit union · WHITESTONE, New York · NCUA charter #21630

Eastern Operating Engineers

Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

91
Health / 100
$92.3M
Total assets
2,283
Members
9.1%
Net-worth ratio

Eastern Operating Engineers scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $92.3M; members 2,283; net-worth ratio 9.09%; health rank #1,010 of 4,374; healthier than 77th of scored peers.

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#1,010 of 4,374 health · 2025Q4

Eastern Operating Engineers · health 91/100 · $92.3M · 2025Q4

Eastern Operating Engineers in the assets neighbourhood

Baylands Family$92.6MWashington County Teachers$92.5MTexas Bridge$92.4MPROGRESSIONS$92.4MEastern Operating Engineers (this)Eastern Operating Engineers …$92.3MCooperative Teachers$92.1M
Nearest other-state credit unions by total assets (NCUA 5300)

Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.

Eastern Operating Engineers vs every NCUA-scored credit union

The busiest band is 85-89 (858 credit unions); Eastern Operating Engineers sits in 90-94 with 747 others.

91 Top 23% higher than 77% 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

Eastern Operating Engineers vs $50M–$100M peers

  • Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +17.87 pp (80.47% vs 62.60%).
  • Net Worth Ratio trails the peer set - 9.09% here, 13.62% peer average (-4.53 pp).

Where Eastern Operating Engineers sits in New York

  • Health composite ranks #56 of 272 among scored New York credit unions.
  • By total assets, Eastern Operating Engineers is #96 of 272 in New York.
  • Member book place in New York: #166 of 272.
  • One place up in New York, STEWART'S (#55) ties at 91/100; one place down, Buffalo Conrail (#57) scores 90/100, 1 point lower.

Eastern Operating Engineers Call Report trajectory

Eastern Operating Engineers: total assets by quarter

2023Q4 to 2026Q1, NCUA 5300

70,000,00080,000,00090,000,000100,000,000 2023Q42024Q42025Q42026Q1 76,247,937 94,295,737 ▲ +23.7%
  • Assets moved +2.2% from $92.3M (2025Q4) to $94.3M (2026Q1).
  • Net-worth ratio shifted +0.04 pp (9.05% → 9.09%).
Net worth ratio vs. NCUA well-capitalized threshold 60.6%

9.09% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

How the 91/100 score is built

Eastern Operating Engineers gives up 9 points in total. Member Growth costs the most, 4.6 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.

  • Net Worth Ratio 27.7 pts
  • Delinquency Rate 25.0 pts
  • Return on Assets 13.2 pts
  • Member Growth 10.4 pts
  • Loan-to-Share Ratio 14.7 pts

Financial Health Metrics

Metric Value vs peer
Net Worth Ratio 9.09% -4.53 pp
Delinquency Rate 0.41% -0.55 pp
Return on Assets 0.38% -0.28 pp
Member Growth 1.20% -
Loan-to-Share Ratio 80.47% +17.87 pp

Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.

Eastern Operating Engineers filing history

Quarter Assets Members
2026Q1 $94.3M -
2025Q4 $92.3M 2,283
2024Q4 $91.6M 2,256
2023Q4 $76.2M 2,227

Credit Union Details

Charter Number
21630
Type
Federal
Field of Membership
Community
Peer Group
$50M–$100M
State
New York
City
WHITESTONE
Data Quarter
2025Q4

Branch Locations (3)

The NCUA branch filing lists 3 physical offices for Eastern Operating Engineers, spread across 2 cities in 2 states.

Office City
MAIN OFFICE (Main Office) Whitestone, NY
Hamden Branch Office Hamden, CT
DISASTER RECOVERY Whitestone, NY

Source: NCUA Credit Union Branch Information, 2025Q4 filing.

Nearby Credit Unions in New York

A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.

Compare Eastern Operating Engineers vs CROSSROADS COMMUNITY

Cross-state Call Report peers for Eastern Operating Engineers

Using this data

  • Eastern Operating Engineers ranks #1,010 of 4,374 nationally on financial health and #56 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • Crossroads Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Crossroads Community

Frequently Asked Questions

Is Eastern Operating Engineers financially healthy?

On its 2025Q4 NCUA 5300 filing, Eastern Operating Engineers scores 91/100 (Excellent), with a 9.09% net worth ratio and 0.41% of loans delinquent. It ranks #1,010 of 4,374 nationally on health and #56 of 272 in New York.

How does Eastern Operating Engineers compare to other credit unions?

Eastern Operating Engineers scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (80.47% vs 62.60%). Its widest shortfall is net worth ratio (9.09% vs 13.62%).

How can I join Eastern Operating Engineers?

Eastern Operating Engineers 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 Eastern Operating Engineers directly for the exact boundaries and application steps.

Is my money safe at Eastern Operating Engineers?

Eastern Operating Engineers 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. Eastern Operating Engineers's net worth ratio of 9.09% exceeds the 7% threshold NCUA considers "well capitalized."

Data sourced from the NCUA 5300 Call Report (2025Q4) for Eastern Operating Engineers. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

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.