Federal credit union · Glendale, New York · NCUA charter #110
ITALO-AMERICAN
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $39.5M
- Total assets
- 600
- Members
- 14.9%
- Net-worth ratio
ITALO-AMERICAN scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $39.5M; members 600; net-worth ratio 14.90%; health rank #342 of 4,374; healthier than 90th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#342 of 4,374 health · 2025Q4ITALO-AMERICAN · health 95/100 · $39.5M · 2025Q4
Call Report peers
ITALO-AMERICAN in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ITALO-AMERICAN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ITALO-AMERICAN sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
ITALO-AMERICAN: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +38.27 pp (98.07% vs 59.80%).
- Return on Assets trails the peer set - 0.69% here, 0.70% peer average (-0.02 pp).
ITALO-AMERICAN: in-state Call Report ranks
- New York health ordinal: #22 of 272.
- New York assets place: #146 of 272.
- Member book place in New York: #232 of 272.
- One place up in New York, UFIRST (#21) ties at 95/100; one place down, Leatherstocking Region (#23) ties at 95/100.
ITALO-AMERICAN Call Report trajectory
ITALO-AMERICAN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $39.5M (2025Q4) to $40.6M (2026Q1).
- Net-worth ratio shifted -0.06 pp (14.96% → 14.90%).
This credit union's 14.90% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
ITALO-AMERICAN gives up 5 points in total. Loan-to-Share Ratio costs the most, 3.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.4 pts
- Loan-to-Share Ratio 11.6 pts
ITALO-AMERICAN vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.90% | +0.04 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.69% | -0.02 pp |
| Member Growth | 3.63% | - |
| Loan-to-Share Ratio | 98.07% | +38.27 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $40.6M | - |
| 2025Q4 | $39.5M | 600 |
| 2024Q4 | $38.1M | 579 |
| 2023Q4 | $40.1M | 557 |
Credit Union Details
- Charter Number
- 110
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- New York
- City
- Glendale
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, ITALO-AMERICAN runs 2 offices.
| Office | City |
|---|---|
| Italo-American (Main Office) | Glendale, NY |
| Italo-American | Glendale, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
- UTICA DISTRICT TELEPHONE EMPLOYEESUTICA, NY · $10M–$50M77Health
- WESTCHESTER SCHOOLS'Rye Brook, NY · $10M–$50M91Health
- PARKS HERITAGEGLENS FALLS, NY · $10M–$50M85Health
- TWIN RIVERSMassena, NY · $10M–$50M81Health
- AMHERSTAMHERST, NY · $10M–$50M89Health
Compare ITALO-AMERICAN vs UTICA DISTRICT TELEPHONE EMPLOYEES
Other-state peers near ITALO-AMERICAN
Using this data
- ITALO-AMERICAN ranks #342 of 4,374 nationally on financial health and #22 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Utica District Telephone Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Utica District Telephone Employees
Frequently Asked Questions
Is ITALO-AMERICAN financially healthy?
On its 2025Q4 NCUA 5300 filing, ITALO-AMERICAN scores 95/100 (Excellent), with a 14.90% net worth ratio and 0.00% of loans delinquent. It ranks #342 of 4,374 nationally on health and #22 of 272 in New York.
How does ITALO-AMERICAN compare to other credit unions?
ITALO-AMERICAN scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (98.07% vs 59.80%). Its widest shortfall is return on assets (0.69% vs 0.70%).
How can I join ITALO-AMERICAN?
ITALO-AMERICAN serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact ITALO-AMERICAN directly for the current list of qualifying groups.
Is my money safe at ITALO-AMERICAN?
ITALO-AMERICAN 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. ITALO-AMERICAN's net worth ratio of 14.90% 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.