Federal credit union · New York, New York · NCUA charter #24670
I Am
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $100.6M
- Total assets
- 15,321
- Members
- 11.7%
- Net-worth ratio
I Am scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $100.6M; members 15,321; net-worth ratio 11.70%; health rank #3,995 of 4,374; healthier than 8th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,995 of 4,374 health · 2025Q4I Am · health 62/100 · $100.6M · 2025Q4
Call Report peers
I Am in the assets neighbourhood
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I Am vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); I Am sits in 60-64 with 179 others.
62 8th percentile higher than 8% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
I Am vs $100M–$500M peers
- Loan-to-Share Ratio trails the peer set - 40.48% here, 72.20% peer average (-31.72 pp).
I Am in New York
- In New York, health place is #235 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #89 of 272.
- Member book place in New York: #51 of 272.
- One place up in New York, Spc Brooklyn (#234) ties at 62/100; one place down, CANANDAIGUA (#236) ties at 62/100.
Quarter path for I Am
I Am: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $100.6M (2025Q4) to $102.4M (2026Q1).
- Net-worth ratio shifted -0.14 pp (11.84% → 11.70%).
At 11.70%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 62/100 score is built
I Am gives up 38 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 9.4 pts
Call Report ratios for I Am
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.70% | -0.41 pp |
| Delinquency Rate | 5.16% | +4.27 pp |
| Return on Assets | 0.54% | -0.08 pp |
| Member Growth | -0.80% | - |
| Loan-to-Share Ratio | 40.48% | -31.72 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
I Am filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $102.4M | - |
| 2025Q4 | $100.6M | 15,321 |
| 2024Q4 | $91.2M | 15,445 |
| 2023Q4 | $89.1M | 15,335 |
Credit Union Details
- Charter Number
- 24670
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- New York
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for I Am.
| Office | City |
|---|---|
| Corporate 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.
Cross-state Call Report peers for I Am
Similar total assets
Using this data
- I Am ranks #3,995 of 4,374 nationally on financial health and #235 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COMPASS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COMPASS
Frequently Asked Questions
Is I Am financially healthy?
I Am has a financial health score of 62/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,995 of 4,374 nationally on health and #235 of 272 in New York. Its net worth ratio is 11.70% and its delinquency rate 5.16%.
How does I Am compare to other credit unions?
I Am scores 62/100, higher than 8% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (40.48% vs 72.20%).
How can I join I Am?
I Am 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 I Am directly for the exact boundaries and application steps.
Is my money safe at I Am?
I Am 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. I Am's net worth ratio of 11.70% 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.