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
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
The busiest band is 85-89 (858 credit unions); I R E B sits in 55-59 with 115 others.
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
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%).
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.
- One place up in New York, Lower East Side People's (#253) ties at 56/100; one place down, Educational and Governmental (#255) ties at 56/100.
I R E B: 2025Q4 → 2026Q1
I R E B: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.3% from $2.7M (2025Q4) to $2.6M (2026Q1).
- Net-worth ratio shifted +0.52 pp (18.28% → 18.80%).
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
I R E B gives up 44 points in total. Member Growth costs the most, 12.4 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is I R E B financially healthy?
I R E B has a financial health score of 56/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,156 of 4,374 nationally on health and #254 of 272 in New York. Its net worth ratio is 18.80% and its delinquency rate 1.93%.
How does I R E B compare to other credit unions?
I R E B scores 56/100, higher than 5% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (15.10% vs 63.60%).
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?
I R E B 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 R E B's net worth ratio of 18.80% 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.