Federal credit union · HARRISON, New York · NCUA charter #2806
Harrison Teachers
Health score 43/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 43
- Health / 100
- $1.1M
- Total assets
- 260
- Members
- 10.2%
- Net-worth ratio
Harrison Teachers - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #2806, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Harrison Teachers - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)14
- Member growth16
- Liquidity (loan-to-share)61
Weighted composite: 43/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.17%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.17% | 30% |
| Delinquency Rate | 6.44% | 25% |
| Return on Assets | -0.27% | 15% |
| Member Growth | -3.70% | 15% |
| Loan-to-Share Ratio | 34.26% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.1M | 260 |
| 2024Q4 | $1.2M | 270 |
| 2023Q4 | $1.5M | 262 |
Credit Union Details
- Charter Number
- 2806
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- Under $2M
- State
- New York
- City
- HARRISON
- Data Quarter
- 2025Q4
What This Data Says About Harrison Teachers
Harrison Teachers is a federal credit union headquartered in HARRISON, New York, serving 260 members with $1.1M in total assets and $318K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 43/100 (Below Average), anchored by a net worth ratio of 10.17% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #2806 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
Deposits deployed into lending sit at a 34.26% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 6.44% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Return on assets stands at -0.27% on net income of $-3030 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.70%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Single Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Harrison Teachers financially healthy?
Harrison Teachers scores 43/100 (Below Average) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.17% net worth ratio and a 6.44% delinquency rate.
How does Harrison Teachers compare to other credit unions?
PlainCU's health composite puts Harrison Teachers at 43/100, 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 Harrison Teachers?
Harrison Teachers is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Harrison Teachers directly to confirm eligibility.
Is my money safe at Harrison Teachers?
Federal credit unions like Harrison Teachers 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. Harrison Teachers's net worth ratio of 10.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Harrison Teachers offer compared to banks?
Credit unions like Harrison Teachers 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 Harrison Teachers directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.