Federal credit union · NEW YORK, New York · NCUA charter #11380
FIDELIS
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $714K
- Total assets
- 335
- Members
- 39.2%
- Net-worth ratio
FIDELIS scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $714K; members 335; net-worth ratio 39.21%; health rank #300 of 4,374; healthier than 90th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#300 of 4,374 health · 2025Q4FIDELIS · health 95/100 · $714K · 2025Q4
- RANK 95/100
- PHOTO 39.2%
- BOOK 0.37%
- CHARTER 1.21%
- NCUSIF $714K
- CAMELS 335
- HEALTH #300/4,374
- NW n/a
- DELQ 11380
Call Report peers
FIDELIS carries $714K 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.
FIDELIS 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
95 Top 10% higher than 90% 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
FIDELIS - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #11380. See our deposit-insurance coverage note.
Where FIDELIS diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 39.21% vs peer 22.93% (+16.28 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for FIDELIS
- Health composite ranks #19 of 272 among scored New York credit unions.
- Assets rank #260 of 272 inside New York ($714K reported).
- New York membership ordinal: #249 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.
FIDELIS Call Report trajectory
FIDELIS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $714K (2025Q4) to $726K (2026Q1).
- Net-worth ratio shifted -0.36 pp (39.57% → 39.21%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
39.21% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.1 pts
- Loan-to-Share Ratio 11.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 39.21% | +16.28 pp |
| Delinquency Rate | 0.37% | -4.10 pp |
| Return on Assets | 1.21% | +0.99 pp |
| Member Growth | 3.40% | - |
| Loan-to-Share Ratio | 54.73% | +2.03 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).
FIDELIS quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $726K | - |
| 2025Q4 | $714K | 335 |
| 2024Q4 | $632K | 324 |
| 2023Q4 | $634K | 320 |
Credit Union Details
- Charter Number
- 11380
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- New York
- City
- NEW YORK
- Data Quarter
- 2025Q4
Branch Location
FIDELIS operates a single office in New York, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | New York, 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
FIDELIS's nationwide photo peers by assets and by health score, excluding New York charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- FIDELIS ranks #300 of 4,374 nationally on financial health and #19 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sts Peter & Paul is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sts Peter & Paul
- 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 FIDELIS financially healthy?
FIDELIS has a financial health score of 95/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #300 of 4,374; by total assets it ranks #4,270 of 4,374 nationally (same basis as /rankings/largest); and #260 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 39.21% and delinquency rate of 0.37%.
How does FIDELIS compare to other credit unions?
PlainCU's health composite puts FIDELIS at 95/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 FIDELIS?
FIDELIS 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 FIDELIS directly for the exact boundaries and application steps.
Is my money safe at FIDELIS?
Federal credit unions like FIDELIS 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. FIDELIS's net worth ratio of 39.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FIDELIS offer compared to banks?
Credit unions like FIDELIS 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 FIDELIS 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.