Federal credit union · Hauppauge, New York · NCUA charter #10023
ISLAND
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $1.39B
- Total assets
- 50,695
- Members
- 10.1%
- Net-worth ratio
ISLAND scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.39B; members 50,695; net-worth ratio 10.11%; health rank #3,354 of 4,374; healthier than 23rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,354 of 4,374 health · 2025Q4ISLAND · health 74/100 · $1.39B · 2025Q4
- RANK 74/100
- PHOTO 10.1%
- BOOK 0.86%
- CHARTER -0.27%
- NCUSIF $1.39B
- CAMELS 50,695
- HEALTH #3,354/4,374
- NW Sandia Area
- DELQ 10023
Call Report peers
ISLAND in the assets neighbourhood
ISLAND's $1.39B assets sit next to Sandia Area ($1.39B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ISLAND 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
74 23rd percentile higher than 23% 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
ISLAND - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #10023: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for ISLAND
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +3.03 pp (86.93% vs 83.90%).
- Largest lag: Net Worth Ratio at 10.11% vs peer 11.18% (-1.07 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where ISLAND sits in New York
- In New York, health place is #192 of 272 on the same NCUA-ratio sort used nationally.
- Assets rank #20 of 272 inside New York ($1.39B reported).
- New York membership ordinal: #25 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.
Quarter path for ISLAND
ISLAND: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.7% from $1.39B (2025Q4) to $1.35B (2026Q1).
- Net-worth ratio shifted +0.39 pp (9.72% → 10.11%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.11% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.4 pts
- Return on Assets 2.1 pts
- Member Growth 5.8 pts
- Loan-to-Share Ratio 14.7 pts
ISLAND vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.11% | -1.07 pp |
| Delinquency Rate | 0.86% | -0.01 pp |
| Return on Assets | -0.27% | -0.78 pp |
| Member Growth | -1.77% | - |
| Loan-to-Share Ratio | 86.93% | +3.03 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
ISLAND quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.35B | - |
| 2025Q4 | $1.39B | 50,695 |
| 2024Q4 | $1.51B | 51,610 |
| 2023Q4 | $1.50B | 51,634 |
Credit Union Details
- Charter Number
- 10023
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New York
- City
- Hauppauge
- Data Quarter
- 2025Q4
Branch Locations (8)
ISLAND operates 8 offices across 8 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Headquarters (Main Office) | Hauppauge, NY |
| Bellmore | Bellmore, NY |
| East Setauket | East Setauket, NY |
| Hicksville | Hicksville, NY |
| North Massapequa Branch | North Massapequa, NY |
| Riverhead Branch | Riverhead, NY |
| Sayville | Sayville, NY |
| Selden | Selden, 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 ISLAND
Two NCUA Call Report peer sets for ISLAND, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.39B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- ISLAND ranks #3,354 of 4,374 nationally on financial health and #192 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Summit is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Summit
- 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 ISLAND financially healthy?
ISLAND scores 74/100 (Very Good) 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 #3,354 of 4,374; by total assets it ranks #360 of 4,374 nationally (same basis as /rankings/largest); and #20 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.11% net worth ratio and a 0.86% delinquency rate.
How does ISLAND compare to other credit unions?
ISLAND scores 74/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 ISLAND?
ISLAND 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 ISLAND directly for the exact boundaries and application steps.
Is my money safe at ISLAND?
Federal credit unions like ISLAND 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. ISLAND's net worth ratio of 10.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ISLAND offer compared to banks?
Credit unions like ISLAND 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 ISLAND 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.