Federal credit union · Bethpage, New York · NCUA charter #4735
FOURLEAF
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $14.04B
- Total assets
- 513,696
- Members
- 9.1%
- Net-worth ratio
FOURLEAF scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.04B; members 513,696; net-worth ratio 9.07%; health rank #2,341 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,341 of 4,374 health · 2025Q4FOURLEAF · health 83/100 · $14.04B · 2025Q4
Call Report peers
FOURLEAF in the assets neighbourhood
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FOURLEAF vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); FOURLEAF sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where FOURLEAF diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 87.84% here, 83.90% peer average (+3.94 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.11 pp (9.07% vs 11.18%).
FOURLEAF in New York
- New York health ordinal: #131 of 272.
- New York assets place: #1 of 272.
- New York membership ordinal: #2 of 272.
- One place up in New York, AMERICU (#130) ties at 83/100; one place down, CADETS (#132) ties at 83/100.
FOURLEAF: 2025Q4 → 2026Q1
FOURLEAF: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $14.04B (2025Q4) to $14.37B (2026Q1).
- Net-worth ratio shifted +0.01 pp (9.06% → 9.07%).
This credit union's 9.07% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
FOURLEAF gives up 17 points in total. Delinquency Rate costs the most, 12.5 of its 25; Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 27.7 pts
- Delinquency Rate 12.5 pts
- Return on Assets 12.6 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for FOURLEAF
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.07% | -2.11 pp |
| Delinquency Rate | 2.00% | +1.13 pp |
| Return on Assets | 0.34% | -0.17 pp |
| Member Growth | 6.00% | - |
| Loan-to-Share Ratio | 87.84% | +3.94 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - FOURLEAF
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.37B | - |
| 2025Q4 | $14.04B | 513,696 |
| 2024Q4 | $13.37B | 484,638 |
| 2023Q4 | $12.86B | 458,847 |
Credit Union Details
- Charter Number
- 4735
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New York
- City
- Bethpage
- Data Quarter
- 2025Q4
Branch Locations (40)
Per its most recent NCUA branch filing, FOURLEAF runs 40 offices in 39 different cities across 3 states.
| Office | City |
|---|---|
| Bethpage (Main Office) | Bethpage, NY |
| Albertson Branch | Albertson, NY |
| Maryland Corporate Office | Baltimore, MD |
| Bay Shore | Bay Shore, NY |
| Bay Shore Supermarket | Bay Shore, NY |
| Bayside | Bayside, NY |
| Centereach | Centereach, NY |
| Central Islip | Central Islip, NY |
| Cherry Hill | Cherry Hill, NJ |
| Commack | Commack, NY |
| East Northport | East Northport, NY |
| Elmont | Elmont, NY |
| Farmingdale | Farmingdale, NY |
| Forest Hills | Forest Hills, NY |
| Freeport | Freeport, NY |
| Glen Cove | Glen Cove, NY |
| Hempstead | Hempstead, NY |
| Huntington | Huntington, NY |
| Jackson Heights | Jackson Heights, NY |
| Levittown Crescent Plaza | Levittown, NY |
| Long Beach | Long Beach, NY |
| Lynbrook | Lynbrook, NY |
| Massapequa | Massapequa, NY |
| Melville | Melville, NY |
| Mineola | Mineola, NY |
| New Hyde Park | New Hyde Park, NY |
| Chelsea Branch | New York, NY |
| North Babylon | North Babylon, NY |
| Baldwin | North Baldwin, NY |
| Ozone Park | Ozone Park, NY |
| Patchogue | Patchogue, NY |
| Port Jefferson | Port Jefferson Station, NY |
| Riverhead | Riverhead, NY |
| Ronkonkoma | Ronkonkoma, NY |
| Roosevelt | Roosevelt, NY |
| Seaford | Seaford, NY |
| Smithtown | Smithtown, NY |
| Sunnyside | Sunnyside, NY |
| West Babylon | West Babylon, NY |
| Westbury | Westbury, 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.
Cross-state Call Report peers for FOURLEAF
Using this data
- FOURLEAF ranks #2,341 of 4,374 nationally on financial health and #131 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United Nations is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United Nations
Frequently Asked Questions
Is FOURLEAF financially healthy?
On its 2025Q4 NCUA 5300 filing, FOURLEAF scores 83/100 (Excellent), with a 9.07% net worth ratio and 2.00% of loans delinquent. It ranks #2,341 of 4,374 nationally on health and #131 of 272 in New York.
How does FOURLEAF compare to other credit unions?
FOURLEAF scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (87.84% vs 83.90%). Its widest shortfall is net worth ratio (9.07% vs 11.18%).
How can I join FOURLEAF?
FOURLEAF 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 FOURLEAF directly for the exact boundaries and application steps.
Is my money safe at FOURLEAF?
FOURLEAF 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. FOURLEAF's net worth ratio of 9.07% 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.