Federal credit union · Port Washington, New York · NCUA charter #23144
Local 804
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $21.8M
- Total assets
- 3,168
- Members
- 31.1%
- Net-worth ratio
Local 804 scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.8M; members 3,168; net-worth ratio 31.10%; health rank #3,501 of 4,374; healthier than 18th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,501 of 4,374 health · 2025Q4Local 804 · health 71/100 · $21.8M · 2025Q4
Call Report peers
Local 804 in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Local 804 vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Local 804 sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Local 804 vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 91.81% vs peer 59.80% (+32.01 pp).
- Delinquency Rate trails the peer set - 3.77% here, 1.15% peer average (+2.62 pp).
Local 804 in New York
- New York health ordinal: #203 of 272.
- Assets rank #178 of 272 inside New York ($21.8M reported).
- Member book place in New York: #137 of 272.
- One place up in New York, Oneida County (#202) scores 72/100, 1 point higher; one place down, Empirt 207 (#204) ties at 71/100.
Quarter path for Local 804
Local 804: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.5% from $21.8M (2025Q4) to $21.7M (2026Q1).
- Net-worth ratio shifted +0.62 pp (30.48% → 31.10%).
At 31.10%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 71/100 score is built
Local 804 gives up 29 points in total. Delinquency Rate costs the most, 23.6 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 1.4 pts
- Return on Assets 15.0 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 31.10% | +16.24 pp |
| Delinquency Rate | 3.77% | +2.62 pp |
| Return on Assets | 1.12% | +0.41 pp |
| Member Growth | 0.80% | - |
| Loan-to-Share Ratio | 91.81% | +32.01 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.7M | - |
| 2025Q4 | $21.8M | 3,168 |
| 2024Q4 | $20.6M | 3,143 |
| 2023Q4 | $20.1M | 3,019 |
Credit Union Details
- Charter Number
- 23144
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Port Washington
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Local 804 runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Local 804 FCU (Main Office) | Port Washington, NY |
| Q-Side FCU | Queens Village, 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.
Local 804 nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Local 804 ranks #3,501 of 4,374 nationally on financial health and #203 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Special Metals is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Special Metals
Frequently Asked Questions
Is Local 804 financially healthy?
Local 804 has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,501 of 4,374 nationally on health and #203 of 272 in New York. Its net worth ratio is 31.10% and its delinquency rate 3.77%.
How does Local 804 compare to other credit unions?
Local 804 scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (91.81% vs 59.80%). Its widest shortfall is delinquency rate (3.77% vs 1.15%).
How can I join Local 804?
Local 804 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 Local 804 directly for the exact boundaries and application steps.
Is my money safe at Local 804?
Local 804 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. Local 804's net worth ratio of 31.10% 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.