Federal credit union · Brooklyn, New York · NCUA charter #9952
I R E B
Health score 56/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $2.7M
- Total assets
- 245
- Members
- 18.8%
- Net-worth ratio
I R E B scores 56/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.7M; members 245; net-worth ratio 18.80%; health rank #4,156 of 4,374; healthier than 5th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,156 of 4,374 health · 2025Q4I R E B · health 56/100 · $2.7M · 2025Q4
- NW 56/100
- DELQ 18.8%
- ROA 1.93%
- ASSETS -0.16%
- MEM $2.7M
- RANK 245
- PHOTO #4,156/4,374
- BOOK n/a
- CHARTER 9952
I R E B carries $2.7M 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.
I R E B 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
56 5th percentile higher than 5% 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
I R E B - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #9952: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where I R E B diverges from peer averages
- Widest shortfall vs peers is Loan-to-Share Ratio: -48.50 pp (15.10% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
I R E B in New York
- Health composite ranks #254 of 272 among scored New York credit unions.
- New York assets place: #239 of 272.
- New York membership ordinal: #254 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.
I R E B: 2025Q4 → 2026Q1
I R E B: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.3% from $2.7M (2025Q4) to $2.6M (2026Q1).
- Net-worth ratio shifted +0.52 pp (18.28% → 18.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 18.80%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 56/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 56.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.0 pts
- Return on Assets 3.1 pts
- Member Growth 2.6 pts
- Loan-to-Share Ratio 7.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.80% | -0.26 pp |
| Delinquency Rate | 1.93% | +0.12 pp |
| Return on Assets | -0.16% | -0.61 pp |
| Member Growth | -3.54% | - |
| Loan-to-Share Ratio | 15.10% | -48.50 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).
I R E B filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.6M | - |
| 2025Q4 | $2.7M | 245 |
| 2024Q4 | $2.7M | 254 |
| 2023Q4 | $2.8M | 261 |
Credit Union Details
- Charter Number
- 9952
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- New York
- City
- Brooklyn
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, I R E B runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Brooklyn, NY |
| Vital Records Center--Fed Comp | Fairfax, VA |
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.
- LONG BEACH TEACHERSLong Beach, NY · $2M–$10M81Health
- URBAN UPBOUNDLONG ISLAND CIT, NY · $2M–$10M54Health
- MEDICAL EMPLOYEES OF STATEN ISLANDSTATEN ISLAND, NY · $2M–$10M81Health
- UPSTATE MILK EMPLOYEESLancaster, NY · $2M–$10M47Health
- GREAT NECK SCHOOL EMPLOYEESGreat Neck, NY · $2M–$10M74Health
Cross-state Call Report peers for I R E B
I R E B'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 (56/100 here).
Using this data
- I R E B ranks #4,156 of 4,374 nationally on financial health and #254 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Long Beach Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Long Beach Teachers
- 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 I R E B financially healthy?
I R E B scores 56/100 (Fair) 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 #4,156 of 4,374; by total assets it ranks #4,078 of 4,374 nationally (same basis as /rankings/largest); and #239 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 18.80% net worth ratio and a 1.93% delinquency rate.
How does I R E B compare to other credit unions?
Five weighted metrics from NCUA filings produce I R E B's 56/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 I R E B?
I R E B carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact I R E B directly to confirm current membership steps.
Is my money safe at I R E B?
Federal credit unions like I R E B 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. I R E B's net worth ratio of 18.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does I R E B offer compared to banks?
Credit unions like I R E B 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 I R E B 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.