Federal credit union · Plainview, New York · NCUA charter #3850
N C P D
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $903.7M
- Total assets
- 16,337
- Members
- 16.2%
- Net-worth ratio
N C P D scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $903.7M; members 16,337; net-worth ratio 16.24%; health rank #1,407 of 4,374; healthier than 65th of scored peers.
NCUA 5300 Call Report masthead
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N C P D vs every NCUA-scored credit union
N C P D sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for N C P D
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +5.06 pp (16.24% vs 11.18%).
- Largest lag: Loan-to-Share Ratio at 45.46% vs peer 83.90% (-38.44 pp).
N C P D: in-state Call Report ranks
- Health composite ranks #78 of 272 among scored New York credit unions.
- By total assets, N C P D is #25 of 272 in New York.
- New York membership ordinal: #47 of 272.
- One place up in New York, Self Reliance Financial (#77) ties at 88/100; one place down, Genesee Valley (#79) ties at 88/100.
Quarter path for N C P D
N C P D: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $903.7M (2025Q4) to $916.0M (2026Q1).
- Net-worth ratio shifted -0.06 pp (16.30% → 16.24%).
16.24% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
N C P D gives up 12 points in total. Member Growth costs the most, 7.3 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.9 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 10.4 pts
Call Report ratios for N C P D
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.24% | +5.06 pp |
| Delinquency Rate | 0.30% | -0.57 pp |
| Return on Assets | 0.49% | -0.02 pp |
| Member Growth | -0.72% | - |
| Loan-to-Share Ratio | 45.46% | -38.44 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $916.0M | - |
| 2025Q4 | $903.7M | 16,337 |
| 2024Q4 | $891.8M | 16,456 |
| 2023Q4 | $890.2M | 16,293 |
Credit Union Details
- Charter Number
- 3850
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- Over $500M
- State
- New York
- City
- Plainview
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, N C P D runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Plainview-Main Office (Main Office) | Plainview, NY |
| Mineola Branch | Mineola, 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.
Other-state peers near N C P D
Using this data
- N C P D ranks #1,407 of 4,374 nationally on financial health and #78 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Heritage is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Heritage
Frequently Asked Questions
Is N C P D financially healthy?
N C P D has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,407 of 4,374 nationally on health and #78 of 272 in New York. Its net worth ratio is 16.24% and its delinquency rate 0.30%.
How does N C P D compare to other credit unions?
N C P D scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (16.24% vs 11.18%). Its widest shortfall is loan-to-share ratio (45.46% vs 83.90%).
How can I join N C P D?
N C P D carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact N C P D directly to confirm current membership steps.
Is my money safe at N C P D?
N C P D 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. N C P D's net worth ratio of 16.24% 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.