Federal credit union · New York, New York · NCUA charter #24942
New York Episcopal
Health score 75/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $627K
- Total assets
- 396
- Members
- 8.8%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)90
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth100
- Liquidity (loan-to-share)56
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.80%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.80% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | -78.26% | 15% |
| Member Growth | 10.31% | 15% |
| Loan-to-Share Ratio | 27.31% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About New York Episcopal
Headquartered in New York, New York, New York Episcopal is a federal credit union with 396 members, $627K in total assets, and $150K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 75/100 (Very Good), driven in part by a net worth ratio of 8.80% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #24942 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Deposit deployment is captured by the 27.31% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -78.26% on net income of $-490550 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 10.31%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community/Select Employee Group); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 75/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.80% 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 75/100, 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 8.80% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.