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
Call Report peers
ISLAND in the assets neighbourhood
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ISLAND vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ISLAND sits in 70-74 with 317 others.
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
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).
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.
- One place up in New York, Korean American Catholics (#191) ties at 74/100; one place down, Alliance Niagara (#193) ties at 74/100.
Quarter path for ISLAND
ISLAND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.7% from $1.39B (2025Q4) to $1.35B (2026Q1).
- Net-worth ratio shifted +0.39 pp (9.72% → 10.11%).
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
ISLAND gives up 26 points in total. Return on Assets costs the most, 12.9 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is ISLAND financially healthy?
ISLAND has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,354 of 4,374 nationally on health and #192 of 272 in New York. Its net worth ratio is 10.11% and its delinquency rate 0.86%.
How does ISLAND compare to other credit unions?
ISLAND scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (86.93% vs 83.90%). Its widest shortfall is net worth ratio (10.11% vs 11.18%).
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?
ISLAND 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. ISLAND's net worth ratio of 10.11% 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.