Federal credit union · Troy, New York · NCUA charter #9486
Next Step
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $105.9M
- Total assets
- 4,583
- Members
- 9.9%
- Net-worth ratio
Next Step scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $105.9M; members 4,583; net-worth ratio 9.89%; health rank #3,880 of 4,374; healthier than 11th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,880 of 4,374 health · 2025Q4Next Step · health 65/100 · $105.9M · 2025Q4
Call Report peers
Next Step in the assets neighbourhood
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Next Step vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Next Step sits in 65-69 with 275 others.
65 11th percentile higher than 11% 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
Next Step vs $100M–$500M peers
- Largest lag: Loan-to-Share Ratio at 35.75% vs peer 72.20% (-36.45 pp).
Where Next Step sits in New York
- In New York, health place is #226 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, Next Step is #85 of 272 in New York.
- Membership ranks #113 of 272 among New York CUs with a reported count (4,583 members).
- One place up in New York, Church of the Master (#225) ties at 65/100; one place down, Abyssinian Baptist Church (#227) ties at 65/100.
Next Step: 2025Q4 → 2026Q1
Next Step: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $105.9M (2025Q4) to $107.1M (2026Q1).
- Net-worth ratio shifted +0.03 pp (9.86% → 9.89%).
9.89% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 65/100 score is built
Next Step gives up 35 points in total. Delinquency Rate costs the most, 13.4 of its 25; Net Worth Ratio loses the least, 0.3.
- Net Worth Ratio 29.7 pts
- Delinquency Rate 11.6 pts
- Return on Assets 11.3 pts
- Member Growth 3.3 pts
- Loan-to-Share Ratio 9.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.89% | -2.22 pp |
| Delinquency Rate | 2.15% | +1.26 pp |
| Return on Assets | 0.25% | -0.37 pp |
| Member Growth | -3.19% | - |
| Loan-to-Share Ratio | 35.75% | -36.45 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Next Step quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $107.1M | - |
| 2025Q4 | $105.9M | 4,583 |
| 2024Q4 | $105.4M | 4,734 |
| 2023Q4 | $111.1M | 4,431 |
Credit Union Details
- Charter Number
- 9486
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Troy
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Next Step runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Troy Branch (Main Office) | Troy, NY |
| Albany Branch | Albany, NY |
| Troy Branch | Troy, 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.
Nationwide credit unions with similar profiles
Using this data
- Next Step ranks #3,880 of 4,374 nationally on financial health and #226 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TRUNORTHERN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TRUNORTHERN
Frequently Asked Questions
Is Next Step financially healthy?
On its 2025Q4 NCUA 5300 filing, Next Step scores 65/100 (Good), with a 9.89% net worth ratio and 2.15% of loans delinquent. It ranks #3,880 of 4,374 nationally on health and #226 of 272 in New York.
How does Next Step compare to other credit unions?
Next Step scores 65/100, higher than 11% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (35.75% vs 72.20%).
How can I join Next Step?
Next Step 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 Next Step directly for the exact boundaries and application steps.
Is my money safe at Next Step?
Next Step 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. Next Step's net worth ratio of 9.89% 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.