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
Call Report peers
Jovia Financial in the assets neighbourhood
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Jovia Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Jovia Financial sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in New York, Greece Community (#148) ties at 81/100; one place down, Griffith Institute Employees (#150) ties at 81/100.
How Jovia Financial's 5300 filing moved
Jovia Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $4.48B (2025Q4) to $4.54B (2026Q1).
- Net-worth ratio shifted +0.06 pp (9.60% → 9.66%).
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
Jovia Financial gives up 19 points in total. Member Growth costs the most, 8.3 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Jovia Financial financially healthy?
Jovia Financial has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,643 of 4,374 nationally on health and #149 of 272 in New York. Its net worth ratio is 9.66% and its delinquency rate 1.33%.
How does Jovia Financial compare to other credit unions?
Jovia Financial scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (89.69% vs 83.90%). Its widest shortfall is net worth ratio (9.66% vs 11.18%).
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?
Jovia Financial 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. Jovia Financial's net worth ratio of 9.66% 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.