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
Call Report peers
Nassau Financial in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Nassau Financial sits in 70-74 with 317 others.
70 17th percentile higher than 17% 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 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).
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).
- One place up in New York, B.S. and C.P. Hospitals Employees (#208) ties at 70/100; one place down, Rockland Employees (#210) scores 69/100, 1 point lower.
Nassau Financial Call Report trajectory
Nassau Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $334.3M (2025Q4) to $336.4M (2026Q1).
- Net-worth ratio shifted -0.05 pp (6.31% → 6.26%).
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
Nassau Financial gives up 30 points in total. Net Worth Ratio costs the most, 13 of its 30; Delinquency Rate scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Nassau Financial financially healthy?
Nassau Financial has a financial health score of 70/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,621 of 4,374 nationally on health and #209 of 272 in New York. Its net worth ratio is 6.26% and its delinquency rate 0.49%.
How does Nassau Financial compare to other credit unions?
Nassau Financial scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.49% vs 0.89%). Its widest shortfall is net worth ratio (6.26% vs 12.11%).
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?
Nassau Financial 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. Nassau Financial's net worth ratio of 6.26% 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.