Federal credit union · Ronkonkoma, New York · NCUA charter #19216
N Y Team
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $43.6M
- Total assets
- 5,173
- Members
- 6.7%
- Net-worth ratio
N Y Team scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $43.6M; members 5,173; net-worth ratio 6.74%; health rank #2,195 of 4,374; healthier than 50th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,195 of 4,374 health · 2025Q4N Y Team · health 84/100 · $43.6M · 2025Q4
Call Report peers
N Y Team in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
N Y Team vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); N Y Team sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
N Y Team vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 70.06% vs peer 59.80% (+10.26 pp).
- Net Worth Ratio trails the peer set - 6.74% here, 14.86% peer average (-8.12 pp).
Where N Y Team sits in New York
- Health composite ranks #124 of 272 among scored New York credit unions.
- By total assets, N Y Team is #139 of 272 in New York.
- Member book place in New York: #110 of 272.
- One place up in New York, U. H. S. Employees (#123) ties at 84/100; one place down, BEGINNINGS (#125) scores 83/100, 1 point lower.
Quarter path for N Y Team
N Y Team: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $43.6M (2025Q4) to $44.7M (2026Q1).
- Net-worth ratio shifted -0.11 pp (6.85% → 6.74%).
This institution's 6.74% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
How the 84/100 score is built
N Y Team gives up 16 points in total. Net Worth Ratio costs the most, 9.5 of its 30; Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 20.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.8 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.74% | -8.12 pp |
| Delinquency Rate | 0.47% | -0.68 pp |
| Return on Assets | 0.66% | -0.04 pp |
| Member Growth | -0.14% | - |
| Loan-to-Share Ratio | 70.06% | +10.26 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - N Y Team
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $44.7M | - |
| 2025Q4 | $43.6M | 5,173 |
| 2024Q4 | $41.3M | 5,180 |
| 2023Q4 | $41.3M | 5,198 |
Credit Union Details
- Charter Number
- 19216
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Ronkonkoma
- Data Quarter
- 2025Q4
Branch Locations (4)
N Y Team operates 4 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Eilleen Young Financial Family Center (Main Office) | Ronkonkoma, NY |
| Vital Records | Hollis, NY |
| Hillside Branch - Disaster Recovery | Hollis, NY |
| Jamaica Branch | Jamaica, 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 Y Team
Using this data
- N Y Team ranks #2,195 of 4,374 nationally on financial health and #124 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Rochester & Monroe Co Emp is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Rochester & Monroe Co Emp
Frequently Asked Questions
Is N Y Team financially healthy?
N Y Team has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,195 of 4,374 nationally on health and #124 of 272 in New York. Its net worth ratio is 6.74% and its delinquency rate 0.47%.
How does N Y Team compare to other credit unions?
N Y Team scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (70.06% vs 59.80%). Its widest shortfall is net worth ratio (6.74% vs 14.86%).
How can I join N Y Team?
N Y Team 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 N Y Team directly for the exact boundaries and application steps.
Is my money safe at N Y Team?
N Y Team 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 Y Team's net worth ratio of 6.74% is relative to 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.