Federal credit union · New York, New York · NCUA charter #24589
Neighborhood Trust
Health score 49/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 49
- Health / 100
- $20.3M
- Total assets
- 2,884
- Members
- 27.4%
- Net-worth ratio
Neighborhood Trust scores 49/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.3M; members 2,884; net-worth ratio 27.41%; health rank #4,279 of 4,374; healthier than 2nd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,279 of 4,374 health · 2025Q4Neighborhood Trust · health 49/100 · $20.3M · 2025Q4
Call Report peers
Neighborhood Trust in the assets neighbourhood
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Neighborhood Trust vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Neighborhood Trust sits in 45-49 with 39 others.
49 2nd percentile higher than 2% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Neighborhood Trust: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 119.51% here, 59.80% peer average (+59.71 pp).
- Delinquency Rate trails the peer set - 3.94% here, 1.15% peer average (+2.79 pp).
Neighborhood Trust: in-state Call Report ranks
- Health composite ranks #265 of 272 among scored New York credit unions.
- By total assets, Neighborhood Trust is #183 of 272 in New York.
- New York membership ordinal: #144 of 272.
- One place up in New York, Transfiguration Parish (#264) scores 51/100, 2 points higher; one place down, Upstate Milk Employees (#266) scores 47/100, 2 points lower.
Quarter path for Neighborhood Trust
Neighborhood Trust: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $20.3M (2025Q4) to $20.3M (2026Q1).
- Net-worth ratio shifted -0.39 pp (27.80% → 27.41%).
At 27.41%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 49/100 score is built
Neighborhood Trust gives up 51 points in total. Delinquency Rate costs the most, 24.6 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.4 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 3.6 pts
Neighborhood Trust health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 27.41% | +12.55 pp |
| Delinquency Rate | 3.94% | +2.79 pp |
| Return on Assets | 1.88% | +1.17 pp |
| Member Growth | -10.68% | - |
| Loan-to-Share Ratio | 119.51% | +59.71 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Neighborhood Trust filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.3M | - |
| 2025Q4 | $20.3M | 2,884 |
| 2024Q4 | $19.9M | 3,229 |
| 2023Q4 | $20.7M | 4,131 |
Credit Union Details
- Charter Number
- 24589
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- New York
- Data Quarter
- 2025Q4
Branch Locations (2)
Neighborhood Trust operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Neighborhood Trust (Main Office) | New York, NY |
| Visifi | Hoover, AL |
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.
Cross-state Call Report peers for Neighborhood Trust
Similar total assets
Similar health score
Using this data
- Neighborhood Trust ranks #4,279 of 4,374 nationally on financial health and #265 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CROUSE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CROUSE
Frequently Asked Questions
Is Neighborhood Trust financially healthy?
Neighborhood Trust has a financial health score of 49/100 (Below Average) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,279 of 4,374 nationally on health and #265 of 272 in New York. Its net worth ratio is 27.41% and its delinquency rate 3.94%.
How does Neighborhood Trust compare to other credit unions?
Neighborhood Trust scores 49/100, higher than 2% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (119.51% vs 59.80%). Its widest shortfall is delinquency rate (3.94% vs 1.15%).
How can I join Neighborhood Trust?
Neighborhood Trust 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 Neighborhood Trust directly for the exact boundaries and application steps.
Is my money safe at Neighborhood Trust?
Neighborhood Trust 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. Neighborhood Trust's net worth ratio of 27.41% 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.