Federal credit union · WESTBURY, New York · NCUA charter #2760
Jovia Financial
Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $4.48B
- Total assets
- 237,358
- Members
- 9.6%
- Net-worth ratio
Jovia Financial - Share Insurance Coverage
Charter #2760's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Jovia Financial - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)97
- Asset quality (delinquency)70
- Earnings (ROA)82
- Member growth44
- Liquidity (loan-to-share)100
Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.60% | 30% |
| Delinquency Rate | 1.33% | 25% |
| Return on Assets | 0.32% | 15% |
| Member Growth | -1.30% | 15% |
| Loan-to-Share Ratio | 89.69% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $4.48B | 237,358 |
| 2024Q4 | $4.54B | 240,492 |
| 2023Q4 | $4.44B | 220,087 |
Credit Union Details
- Charter Number
- 2760
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New York
- City
- WESTBURY
- Data Quarter
- 2025Q4
What This Data Says About Jovia Financial
Jovia Financial is a federal credit union headquartered in WESTBURY, New York, serving 237,358 members with $4.48B in total assets and $3.60B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 80/100 (Excellent), anchored by a net worth ratio of 9.60% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #2760 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 1.33% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers - and a 89.69% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.32% on net income of $14.4M 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 -1.30%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) 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.
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 Jovia Financial financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Jovia Financial carries a financial health score of 80/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.60% net worth ratio and a 1.33% delinquency rate.
How does Jovia Financial compare to other credit unions?
On PlainCU's health composite, Jovia Financial lands at 80/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Jovia Financial?
Jovia Financial 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 Jovia Financial directly for the exact boundaries and application steps.
Is my money safe at Jovia Financial?
Federal credit unions like Jovia Financial 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. Jovia Financial's net worth ratio of 9.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Jovia Financial offer compared to banks?
Credit unions like Jovia Financial 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 Jovia Financial 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.