Federal credit union · WESTBURY, New York · NCUA charter #2760
Jovia Financial
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $4.48B
- Total assets
- 237,358
- Members
- 9.7%
- Net-worth ratio
Jovia Financial scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.48B; members 237,358; net-worth ratio 9.66%; health rank #2,643 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,643 of 4,374 health · 2025Q4Jovia Financial · health 81/100 · $4.48B · 2025Q4
- RANK 81/100
- PHOTO 9.7%
- BOOK 1.33%
- CHARTER 0.32%
- NCUSIF $4.48B
- CAMELS 237,358
- HEALTH #2,643/4,374
- NW CONSUMERS
- DELQ 2760
Call Report peers
Jovia Financial in the assets neighbourhood
Jovia Financial's $4.48B assets sit next to CONSUMERS ($4.50B) 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.
Jovia Financial 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
81 39th percentile higher than 39% 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
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.
Peer-gap read for Jovia Financial
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +5.79 pp (89.69% vs 83.90%).
- Widest shortfall vs peers is Net Worth Ratio: -1.52 pp (9.66% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Jovia Financial
- In New York, health place is #149 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #9 of 272.
- New York membership ordinal: #10 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.
How Jovia Financial's 5300 filing moved
Jovia Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $4.48B (2025Q4) to $4.54B (2026Q1).
- Net-worth ratio shifted +0.06 pp (9.60% → 9.66%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.66%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 17.5 pts
- Return on Assets 12.3 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.66% | -1.52 pp |
| Delinquency Rate | 1.33% | +0.46 pp |
| Return on Assets | 0.32% | -0.19 pp |
| Member Growth | -1.30% | - |
| Loan-to-Share Ratio | 89.69% | +5.79 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.54B | - |
| 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
Branch Locations (20)
Per its most recent NCUA branch filing, Jovia Financial runs 20 offices in 20 different cities.
| Office | City |
|---|---|
| Westbury (Main Office) | Westbury, NY |
| Bay Shore | Bay Shore, NY |
| Commack | Commack, NY |
| Deer Park | Deer Park, NY |
| Franklin Square | Franklin Square, NY |
| Greenvale | Greenvale, NY |
| Hempstead | Hempstead, NY |
| Huntington Village | Huntington, NY |
| Huntington Station | Huntington Station, NY |
| Levittown | Levittown, NY |
| Massapequa | Massapequa, NY |
| Nesconset | Nesconset, NY |
| New Hyde Park | New Hyde Park, NY |
| Oceanside | Oceanside, NY |
| Plainview | Plainview, NY |
| Rockville Centre | Rockville Centre, NY |
| Syosset | Syosset, NY |
| Uniondale | Uniondale, NY |
| Valley Stream | Valley Stream, NY |
| Wantagh | Wantagh, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Jovia Financial, 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 ($4.48B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Jovia Financial ranks #2,643 of 4,374 nationally on financial health and #149 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EMPOWER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EMPOWER
- 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 Jovia Financial financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Jovia Financial carries a financial health score of 81/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,643 of 4,374; by total assets it ranks #109 of 4,374 nationally (same basis as /rankings/largest); and #9 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.66% 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 81/100, 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 9.66% 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.
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.