Federal credit union · NEW YORK, New York · NCUA charter #9358
New York Times Employees
Health score 51/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 51
- Health / 100
- $72.1M
- Total assets
- 4,171
- Members
- 17.1%
- Net-worth ratio
New York Times Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9358, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
New York Times Employees - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)29
- Earnings (ROA)0
- Member growth19
- Liquidity (loan-to-share)70
Weighted composite: 51/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
17.14% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.14% | 30% |
| Delinquency Rate | 2.84% | 25% |
| Return on Assets | -0.53% | 15% |
| Member Growth | -3.38% | 15% |
| Loan-to-Share Ratio | 49.99% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $72.1M | 4,171 |
| 2024Q4 | $73.0M | 4,317 |
| 2023Q4 | $74.8M | 4,440 |
Credit Union Details
- Charter Number
- 9358
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- NEW YORK
- Data Quarter
- 2025Q4
What This Data Says About New York Times Employees
Headquartered in NEW YORK, New York, New York Times Employees is a federal credit union with 4,171 members, $72.1M in total assets, and $30.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 51/100 (Fair), driven in part by a net worth ratio of 17.14% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #9358 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Deposits deployed into lending sit at a 49.99% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 2.84% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Return on assets stands at -0.53% on net income of $-380024 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 -3.38%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
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 Times Employees financially healthy?
New York Times Employees has a financial health score of 51/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 17.14% and delinquency rate of 2.84%.
How does New York Times Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce New York Times Employees's 51/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Times Employees?
New York Times Employees 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 Times Employees directly for the exact boundaries and application steps.
Is my money safe at New York Times Employees?
Federal credit unions like New York Times Employees 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 Times Employees's net worth ratio of 17.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does New York Times Employees offer compared to banks?
Credit unions like New York Times Employees 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 Times Employees 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.