Federal credit union · HARRISON, New York · NCUA charter #2806
Harrison Teachers
Health score 43/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 43
- Health / 100
- $1.1M
- Total assets
- 260
- Members
- 14.0%
- Net-worth ratio
Harrison Teachers scores 43/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.1M; members 260; net-worth ratio 13.98%; health rank #4,326 of 4,374; healthier than 1st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,326 of 4,374 health · 2025Q4Harrison Teachers · health 43/100 · $1.1M · 2025Q4
- BOOK 43/100
- CHARTER 14.0%
- NCUSIF 6.44%
- CAMELS -0.27%
- HEALTH $1.1M
- NW 260
- DELQ #4,326/4,374
- ROA n/a
- ASSETS 2806
Call Report peers
Harrison Teachers carries $1.1M 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.
Harrison Teachers 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
43 1st percentile higher than 1% 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
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.
Where Harrison Teachers diverges from peer averages
- Loan-to-Share Ratio trails the peer set - 34.26% here, 52.70% peer average (-18.44 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Harrison Teachers: in-state Call Report ranks
- New York health ordinal: #269 of 272.
- New York assets place: #249 of 272.
- Membership ranks #253 of 272 among New York CUs with a reported count (260 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Harrison Teachers: 2025Q4 → 2026Q1
Harrison Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +16.8% from $1.1M (2025Q4) to $1.3M (2026Q1).
- Net-worth ratio shifted -2.47 pp (16.45% → 13.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.98%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 43/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 43.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 2.1 pts
- Member Growth 2.3 pts
- Loan-to-Share Ratio 8.6 pts
Harrison Teachers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.98% | -8.95 pp |
| Delinquency Rate | 6.44% | +1.96 pp |
| Return on Assets | -0.27% | -0.49 pp |
| Member Growth | -3.70% | - |
| Loan-to-Share Ratio | 34.26% | -18.44 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).
Harrison Teachers filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.3M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, Harrison Teachers runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Harrison Teachers' Federal Credit Union (Main Office) | Harrison, NY |
| mary nardone | Eastchester, 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.
Harrison Teachers nationwide neighbourhoods
Cross-state asset and health neighbours for Harrison Teachers - kept outside New York; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (43/100 here).
Using this data
- Harrison Teachers ranks #4,326 of 4,374 nationally on financial health and #269 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Akron School Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Akron School 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 Harrison Teachers financially healthy?
Harrison Teachers scores 43/100 (Below Average) 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 #4,326 of 4,374; by total assets it ranks #4,216 of 4,374 nationally (same basis as /rankings/largest); and #249 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.98% 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 13.98% 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.
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.