Federal credit union · Long Beach, New York · NCUA charter #3256

Long Beach Teachers

Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

81
Health / 100
$2.7M
Total assets
357
Members
19.8%
Net-worth ratio

Long Beach Teachers - Share Insurance Coverage

Below: composite supervisory bracket and risk-based capital for charter #3256, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.

NCUSIF coverage gauge for Long Beach Teachers Share insurance under NCUSIF covers up to $250,000 per share owner. Long Beach Teachers holds approximately $2.0M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 19.8 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 19.8% · $2.0M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Long Beach Teachers - Five Health Pillars

Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.

  • Capital (net worth ratio) 19.83% 30% weight
  • Asset quality (delinquency) 0.00% 25% weight
  • Earnings (ROA) 1.12% 15% weight
  • Member growth -4.29% 15% weight
  • Liquidity (loan-to-share) 41% 15% weight

Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

This credit union's 19.83% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.

$2.7M
Total Assets
357
Members
$834K
Total Loans
$2.0M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 19.83% 30%
Delinquency Rate 0.00% 25%
Return on Assets 1.12% 15%
Member Growth -4.29% 15%
Loan-to-Share Ratio 41.39% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $2.7M 357
2024Q4 $2.9M 373
2023Q4 $3.1M 379

Credit Union Details

Charter Number
3256
Type
Federal
Field of Membership
Single Common Bond
Peer Group
$2M–$10M
State
New York
City
Long Beach
Data Quarter
2025Q4

What This Data Says About Long Beach Teachers

357 members and $2.7M in total assets sit behind Long Beach Teachers, a federal credit union in Long Beach, New York, which posts a health score of 81/100 (Excellent) on the five-factor composite, with $834K in outstanding loans as of Q4 2025 and a net worth ratio of 19.83% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #3256 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.

Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers - and a 41.39% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.12% on net income of $30K 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 -4.29%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Single Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.

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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 Long Beach Teachers financially healthy?

Long Beach Teachers scores 81/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 19.83% net worth ratio and a 0.00% delinquency rate.

How does Long Beach Teachers compare to other credit unions?

PlainCU's health composite puts Long Beach Teachers at 81/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Long Beach Teachers?

Long Beach Teachers is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Long Beach Teachers directly to confirm eligibility.

Is my money safe at Long Beach Teachers?

Federal credit unions like Long Beach Teachers 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. Long Beach Teachers's net worth ratio of 19.83% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Long Beach Teachers offer compared to banks?

Credit unions like Long Beach Teachers 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 Long Beach Teachers 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.