State credit union · NEW YORK, New York · NCUA charter #60153
MUNICIPAL
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $4.90B
- Total assets
- 631,649
- Members
- 11.9%
- Net-worth ratio
MUNICIPAL scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.90B; members 631,649; net-worth ratio 11.93%; health rank #1,655 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,655 of 4,374 health · 2025Q4MUNICIPAL · health 87/100 · $4.90B · 2025Q4
- HEALTH 87/100
- NW 11.9%
- DELQ 1.57%
- ROA 1.52%
- ASSETS $4.90B
- MEM 631,649
- RANK #1,655/4,374
- PHOTO NUSENDA
- BOOK 60153
Call Report peers
MUNICIPAL in the assets neighbourhood
MUNICIPAL's $4.90B assets sit next to NUSENDA ($4.89B) 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.
MUNICIPAL 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
87 Top 40% higher than 60% 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
MUNICIPAL - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60153, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for MUNICIPAL
- Return on Assets leads the peer set - 1.52% here, 0.51% peer average (+1.01 pp).
- Loan-to-Share Ratio trails the peer set - 73.07% here, 83.90% peer average (-10.83 pp).
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 MUNICIPAL
- In New York, health place is #96 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, MUNICIPAL is #8 of 272 in New York.
- Member book place in New York: #1 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.
MUNICIPAL: 2025Q4 → 2026Q1
MUNICIPAL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.1% from $4.90B (2025Q4) to $5.10B (2026Q1).
- Net-worth ratio shifted +0.13 pp (11.80% → 11.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.93% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.7 pts
- Return on Assets 15.0 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.93% | +0.75 pp |
| Delinquency Rate | 1.57% | +0.70 pp |
| Return on Assets | 1.52% | +1.01 pp |
| Member Growth | 2.21% | - |
| Loan-to-Share Ratio | 73.07% | -10.83 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).
MUNICIPAL quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.10B | - |
| 2025Q4 | $4.90B | 631,649 |
| 2024Q4 | $4.49B | 617,977 |
| 2023Q4 | $4.22B | 609,429 |
Credit Union Details
- Charter Number
- 60153
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- New York
- City
- NEW YORK
- Data Quarter
- 2025Q4
Branch Locations (16)
MUNICIPAL operates 16 offices across 9 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MCU - Cortlandt St (Main Office) | New York, NY |
| MCU - CO-OP City | Bronx, NY |
| MCU - South Bronx | Bronx, NY |
| MCU - Downtown Brooklyn | Brooklyn, NY |
| MCU - Spring Creek | Brooklyn, NY |
| MCU - Georgetown | Brooklyn, NY |
| MCU - Midwood | Brooklyn, NY |
| MCU - Elmont | Elmont, NY |
| MCU - Tribeca | New York, NY |
| MCU - West Harlem | New York, NY |
| MCU - Rego Park | Rego Park, NY |
| MCU - St. Albans Branch | Saint Albans, NY |
| MCU - Springfield Gardens | Springfield Gardens, NY |
| MCU - New Dorp Beach | Staten Island, NY |
| MCU - Graniteville | Staten Island, NY |
| MCU - Yonkers | Yonkers, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
MUNICIPAL nationwide neighbourhoods
Cross-state asset and health neighbours for MUNICIPAL - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.90B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- MUNICIPAL ranks #1,655 of 4,374 nationally on financial health and #96 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VISIONS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VISIONS
- 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 MUNICIPAL financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, MUNICIPAL carries a financial health score of 87/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,655 of 4,374; by total assets it ranks #90 of 4,374 nationally (same basis as /rankings/largest); and #8 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 11.93% net worth ratio and a 1.57% delinquency rate.
How does MUNICIPAL compare to other credit unions?
Five weighted metrics from NCUA filings produce MUNICIPAL's 87/100 score on PlainCU's health composite, compared to a peer group average for Over $500M 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 MUNICIPAL?
Membership eligibility for MUNICIPAL depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MUNICIPAL directly for current membership requirements and application steps.
Is my money safe at MUNICIPAL?
Federal credit unions like MUNICIPAL 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. MUNICIPAL's net worth ratio of 11.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MUNICIPAL offer compared to banks?
Credit unions like MUNICIPAL 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 MUNICIPAL 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.