Federal credit union · New York, New York · NCUA charter #24942
New York Episcopal
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $627K
- Total assets
- 396
- Members
- 16.4%
- Net-worth ratio
New York Episcopal scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $627K; members 396; net-worth ratio 16.35%; health rank #2,942 of 4,374; healthier than 31st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,942 of 4,374 health · 2025Q4New York Episcopal · health 78/100 · $627K · 2025Q4
- NW 78/100
- DELQ 16.4%
- ROA 0.00%
- ASSETS -78.26%
- MEM $627K
- RANK 396
- PHOTO #2,942/4,374
- BOOK n/a
- CHARTER 24942
Call Report peers
New York Episcopal carries $627K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
New York Episcopal 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
78 31st percentile higher than 31% 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
New York Episcopal - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24942, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
New York Episcopal vs Under $2M peers
- Delinquency Rate leads the peer set - 0.00% here, 4.48% peer average (-4.48 pp).
- Return on Assets trails the peer set - -78.26% here, 0.22% peer average (-78.48 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York Episcopal in New York
- Health composite ranks #167 of 272 among scored New York credit unions.
- Assets rank #262 of 272 inside New York ($627K reported).
- Membership ranks #244 of 272 among New York CUs with a reported count (396 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.
How New York Episcopal's 5300 filing moved
New York Episcopal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +107.9% from $627K (2025Q4) to $1.3M (2026Q1).
- Net-worth ratio shifted +7.55 pp (8.80% → 16.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 16.35%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 8.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.35% | -6.58 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | -78.26% | -78.48 pp |
| Member Growth | 10.31% | - |
| Loan-to-Share Ratio | 27.31% | -25.39 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
New York Episcopal filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.3M | - |
| 2025Q4 | $627K | 396 |
| 2024Q4 | $868K | 359 |
| 2023Q4 | $569K | 11 |
Credit Union Details
- Charter Number
- 24942
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- Under $2M
- State
- New York
- City
- New York
- Data Quarter
- 2025Q4
Branch Location
New York Episcopal operates a single office in New York, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Cathedral Close Office (Main Office) | New York, 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.
Cross-state Call Report peers for New York Episcopal
Cross-state asset and health neighbours for New York Episcopal - kept outside New York; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- New York Episcopal ranks #2,942 of 4,374 nationally on financial health and #167 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sts Peter & Paul is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sts Peter & Paul
- 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 New York Episcopal financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, New York Episcopal carries a financial health score of 78/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,942 of 4,374; by total assets it ranks #4,276 of 4,374 nationally (same basis as /rankings/largest); and #262 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 16.35% net worth ratio and a 0.00% delinquency rate.
How does New York Episcopal compare to other credit unions?
On PlainCU's health composite, New York Episcopal lands at 78/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 New York Episcopal?
New York Episcopal 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 New York Episcopal directly for the exact boundaries and application steps.
Is my money safe at New York Episcopal?
Federal credit unions like New York Episcopal 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. New York Episcopal's net worth ratio of 16.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does New York Episcopal offer compared to banks?
Credit unions like New York Episcopal 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 New York Episcopal 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.