Federal credit union · Brooklyn, New York · NCUA charter #9952
I R E B
Health score 56/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $2.7M
- Total assets
- 245
- Members
- 11.0%
- Net-worth ratio
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.
I R E B - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)52
- Earnings (ROA)21
- Member growth17
- Liquidity (loan-to-share)49
Weighted composite: 56/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.99%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.99% | 30% |
| Delinquency Rate | 1.93% | 25% |
| Return on Assets | -0.16% | 15% |
| Member Growth | -3.54% | 15% |
| Loan-to-Share Ratio | 15.10% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About I R E B
Charter #9952, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's I R E B, a federal credit union in Brooklyn, New York with 245 members, $2.7M in total assets, and $330K in outstanding loans as of Q4 2025. The five-factor composite scores it 56/100 (Fair), helped by a net worth ratio of 10.99% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 15.10% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.93% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Return on assets stands at -0.16% on net income of $-4232 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 -3.54%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Low Income) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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–$10M52Health
- MEDICAL EMPLOYEES OF STATEN ISLANDSTATEN ISLAND, NY · $2M–$10M80Health
- UPSTATE MILK EMPLOYEESLancaster, NY · $2M–$10M47Health
- GREAT NECK SCHOOL EMPLOYEESGreat Neck, NY · $2M–$10M74Health
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 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. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.99% 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 10.99% 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.
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.