Federal credit union · STATEN ISLAND, New York · NCUA charter #12546
Medical Employees of Staten Island
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $2.6M
- Total assets
- 787
- Members
- 9.2%
- Net-worth ratio
Medical Employees of Staten Island scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.6M; members 787; net-worth ratio 9.22%; health rank #2,649 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,649 of 4,374 health · 2025Q4Medical Employees · health 81/100 · $2.6M · 2025Q4
- ROA 81/100
- ASSETS 9.2%
- MEM 0.48%
- RANK 0.86%
- PHOTO $2.6M
- BOOK 787
- CHARTER #2,649/4,374
- NCUSIF n/a
- CAMELS 12546
Call Report peers
Medical Employees of Staten Island carries $2.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Medical Employees of Staten Island 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
Medical Employees of Staten Island - Share Insurance Coverage
Charter #12546'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.
Medical Employees of Staten Island: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.48% vs peer 1.81% (-1.33 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -11.49 pp (52.11% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Medical Employees of Staten Island
- New York health ordinal: #152 of 272.
- By total assets, Medical Employees of Staten Island is #241 of 272 in New York.
- Membership ranks #224 of 272 among New York CUs with a reported count (787 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Medical Employees of Staten Island
Medical Employees of Staten Island: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.6% from $2.6M (2025Q4) to $2.5M (2026Q1).
- Net-worth ratio shifted +0.09 pp (9.13% → 9.22%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.22%, 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 28.1 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.5 pts
- Loan-to-Share Ratio 11.4 pts
Medical Employees of Staten Island vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.22% | -9.84 pp |
| Delinquency Rate | 0.48% | -1.33 pp |
| Return on Assets | 0.86% | +0.41 pp |
| Member Growth | -4.14% | - |
| Loan-to-Share Ratio | 52.11% | -11.49 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Medical Employees of Staten Island quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.5M | - |
| 2025Q4 | $2.6M | 787 |
| 2024Q4 | $2.6M | 821 |
| 2023Q4 | $2.9M | 854 |
Credit Union Details
- Charter Number
- 12546
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- New York
- City
- STATEN ISLAND
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Medical Employees of Staten Island runs one office.
| Office | City |
|---|---|
| rumc (Main Office) | Staten Island, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Cross-state Call Report peers for Medical Employees
Two NCUA Call Report peer sets for Medical Employees of Staten Island, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Medical Employees of Staten Island ranks #2,649 of 4,374 nationally on financial health and #152 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Urban Upbound is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Urban Upbound
- 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 Medical Employees of Staten Island financially healthy?
A 9.22% net worth ratio and a 0.48% delinquency rate feed into Medical Employees of Staten Island's financial health score of 81/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,649 of 4,374; by total assets it ranks #4,084 of 4,374 nationally (same basis as /rankings/largest); and #241 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Medical Employees of Staten Island compare to other credit unions?
Five weighted metrics from NCUA filings produce Medical Employees of Staten Island's 81/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Medical Employees of Staten Island?
Medical Employees of Staten Island 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 Medical Employees of Staten Island directly for the exact boundaries and application steps.
Is my money safe at Medical Employees of Staten Island?
Federal credit unions like Medical Employees of Staten Island 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. Medical Employees of Staten Island's net worth ratio of 9.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Medical Employees of Staten Island offer compared to banks?
Credit unions like Medical Employees of Staten Island 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 Medical Employees of Staten Island 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.