Federal credit union · NEW YORK, New York · NCUA charter #1059
Grand Central Terminal Employees
Health score 61/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $6.9M
- Total assets
- 1,426
- Members
- 12.0%
- Net-worth ratio
Grand Central Terminal Employees scores 61/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.9M; members 1,426; net-worth ratio 11.97%; health rank #4,029 of 4,374; healthier than 8th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,029 of 4,374 health · 2025Q4Grand Central Terminal · health 61/100 · $6.9M · 2025Q4
- PHOTO 61/100
- BOOK 12.0%
- CHARTER 0.73%
- NCUSIF -1.35%
- CAMELS $6.9M
- HEALTH 1,426
- NW #4,029/4,374
- DELQ n/a
- ROA 1059
Grand Central Terminal Employees carries $6.9M 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.
Grand Central Terminal Employees 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
61 8th percentile higher than 8% 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
Grand Central Terminal Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #1059. See our deposit-insurance coverage note.
Peer-gap read for Grand Central Terminal Employees
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.07 pp (0.73% vs 1.81%).
- Loan-to-Share Ratio trails the peer set - 20.72% here, 63.60% peer average (-42.88 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Grand Central Terminal Employees sits in New York
- Health composite ranks #242 of 272 among scored New York credit unions.
- Assets rank #223 of 272 inside New York ($6.9M reported).
- New York membership ordinal: #202 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.
Grand Central Terminal Employees Call Report trajectory
Grand Central Terminal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.3% from $6.9M (2025Q4) to $6.7M (2026Q1).
- Net-worth ratio shifted +0.25 pp (11.72% → 11.97%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.97% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 61/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 61.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.7 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.3 pts
Grand Central Terminal health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.97% | -7.09 pp |
| Delinquency Rate | 0.73% | -1.07 pp |
| Return on Assets | -1.35% | -1.80 pp |
| Member Growth | -6.00% | - |
| Loan-to-Share Ratio | 20.72% | -42.88 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).
Call Report history - Grand Central Terminal Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.7M | - |
| 2025Q4 | $6.9M | 1,426 |
| 2024Q4 | $7.0M | 1,517 |
| 2023Q4 | $7.1M | 1,557 |
Credit Union Details
- Charter Number
- 1059
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- New York
- City
- NEW YORK
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Grand Central Terminal Employees.
| Office | City |
|---|---|
| Grand Central Terminal Employees FCU (Main Office) | New York, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
- CROUSE HINDS EMPLOYEESsyracuse, NY · $2M–$10M85Health
- GENERATIONS UNITEDNew York, NY · $2M–$10M67Health
- CONCORDBrooklyn, NY · $2M–$10M77Health
- TRANSIT AUTHORITY DIVISION BNew York, NY · $2M–$10M59Health
- LINTONTONAWANDA, NY · $2M–$10M85Health
Compare Grand Central Terminal Employees vs CROUSE HINDS EMPLOYEES
Nationwide credit unions with similar profiles
Grand Central Terminal Employees'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 (61/100 here).
Using this data
- Grand Central Terminal Employees ranks #4,029 of 4,374 nationally on financial health and #242 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Crouse Hinds Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Crouse Hinds Employees
- 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 Grand Central Terminal Employees financially healthy?
Grand Central Terminal Employees scores 61/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,029 of 4,374; by total assets it ranks #3,737 of 4,374 nationally (same basis as /rankings/largest); and #223 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.97% net worth ratio and a 0.73% delinquency rate.
How does Grand Central Terminal Employees compare to other credit unions?
61/100 is Grand Central Terminal Employees'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 Grand Central Terminal Employees?
Grand Central Terminal Employees 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 Grand Central Terminal Employees directly for the exact boundaries and application steps.
Is my money safe at Grand Central Terminal Employees?
Federal credit unions like Grand Central Terminal Employees 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. Grand Central Terminal Employees's net worth ratio of 11.97% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Grand Central Terminal Employees offer compared to banks?
Credit unions like Grand Central Terminal Employees 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 Grand Central Terminal Employees 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.