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
Call Report peers
MUNICIPAL in the assets neighbourhood
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
MUNICIPAL sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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.
- One place up in New York, FASNY (#95) ties at 87/100; one place down, Olean Teachers' and Postal (#97) ties at 87/100.
MUNICIPAL: 2025Q4 → 2026Q1
MUNICIPAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $4.90B (2025Q4) to $5.10B (2026Q1).
- Net-worth ratio shifted +0.13 pp (11.80% → 11.93%).
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
MUNICIPAL gives up 13 points in total. Delinquency Rate costs the most, 9.3 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is MUNICIPAL financially healthy?
On its 2025Q4 NCUA 5300 filing, MUNICIPAL scores 87/100 (Excellent), with a 11.93% net worth ratio and 1.57% of loans delinquent. It ranks #1,655 of 4,374 nationally on health and #96 of 272 in New York.
How does MUNICIPAL compare to other credit unions?
MUNICIPAL scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (1.52% vs 0.51%). Its widest shortfall is loan-to-share ratio (73.07% vs 83.90%).
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?
MUNICIPAL is a state-chartered 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. MUNICIPAL's net worth ratio of 11.93% 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.