Federal credit union · East Meadow, New York · NCUA charter #1404
Nassau Financial
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $334.3M
- Total assets
- 14,381
- Members
- 6.3%
- Net-worth ratio
Nassau Financial scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $334.3M; members 14,381; net-worth ratio 6.26%; health rank #3,621 of 4,374; healthier than 17th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,621 of 4,374 health · 2025Q4Nassau Financial · health 70/100 · $334.3M · 2025Q4
- NCUSIF 70/100
- CAMELS 6.3%
- HEALTH 0.49%
- NW 0.12%
- DELQ $334.3M
- ROA 14,381
- ASSETS #3,621/4,374
- MEM US Community
- RANK 1404
Call Report peers
Nassau Financial in the assets neighbourhood
Nassau Financial's $334.3M assets sit next to US Community ($335.4M) 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.
Nassau Financial 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
70 17th percentile higher than 17% 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
Nassau Financial - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #1404: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Nassau Financial
- Delinquency Rate leads the peer set - 0.49% here, 0.89% peer average (-0.40 pp).
- Net Worth Ratio trails the peer set - 6.26% here, 12.11% peer average (-5.85 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Nassau Financial
- Health composite ranks #209 of 272 among scored New York credit unions.
- By total assets, Nassau Financial is #43 of 272 in New York.
- Membership ranks #55 of 272 among New York CUs with a reported count (14,381 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.
Nassau Financial Call Report trajectory
Nassau Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $334.3M (2025Q4) to $336.4M (2026Q1).
- Net-worth ratio shifted -0.05 pp (6.31% → 6.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
6.26% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 17.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.3 pts
- Member Growth 4.2 pts
- Loan-to-Share Ratio 14.5 pts
Call Report ratios for Nassau Financial
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.26% | -5.85 pp |
| Delinquency Rate | 0.49% | -0.40 pp |
| Return on Assets | 0.12% | -0.50 pp |
| Member Growth | -2.65% | - |
| Loan-to-Share Ratio | 67.86% | -4.34 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Nassau Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $336.4M | - |
| 2025Q4 | $334.3M | 14,381 |
| 2024Q4 | $331.6M | 14,772 |
| 2023Q4 | $342.5M | 15,801 |
Credit Union Details
- Charter Number
- 1404
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- East Meadow
- Data Quarter
- 2025Q4
Branch Locations (6)
Nassau Financial operates 6 offices across 5 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| East Meadow (Main Office) | East Meadow, NY |
| NUMC | East Meadow, NY |
| East Farmingdale | Farmingdale, NY |
| Garden City | Garden City, NY |
| Oceanside | Oceanside, NY |
| Oyster Bay | Oyster Bay, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Nassau Financial nationwide neighbourhoods
Cross-state asset and health neighbours for Nassau Financial - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($334.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- Nassau Financial ranks #3,621 of 4,374 nationally on financial health and #209 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ACTORS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ACTORS
- 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 Nassau Financial financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Nassau Financial carries a financial health score of 70/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,621 of 4,374; by total assets it ranks #978 of 4,374 nationally (same basis as /rankings/largest); and #43 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 6.26% net worth ratio and a 0.49% delinquency rate.
How does Nassau Financial compare to other credit unions?
Nassau Financial scores 70/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Nassau Financial?
Nassau Financial 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 Nassau Financial directly for the exact boundaries and application steps.
Is my money safe at Nassau Financial?
Federal credit unions like Nassau Financial 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. Nassau Financial's net worth ratio of 6.26% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Nassau Financial offer compared to banks?
Credit unions like Nassau Financial 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 Nassau Financial 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.