Federal credit union · San Francisco, California · NCUA charter #23780

Northeast Community

Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

81
Health / 100
$15.7M
Total assets
927
Members
18.1%
Net-worth ratio

Northeast Community - Share Insurance Coverage

Read from the 2025Q4 NCUA Call Report for charter #23780: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.

NCUSIF coverage gauge for Northeast Community Share insurance under NCUSIF covers up to $250,000 per share owner. Northeast Community holds approximately $10.4M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 18.1 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 18.1% · $10.4M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Northeast Community - Five Health Pillars

Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.

  • Capital (net worth ratio) 18.11% 30% weight
  • Asset quality (delinquency) 0.00% 25% weight
  • Earnings (ROA) 1.74% 15% weight
  • Member growth -9.65% 15% weight
  • Liquidity (loan-to-share) 50% 15% weight

Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

18.11% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

$15.7M
Total Assets
927
Members
$5.2M
Total Loans
$10.4M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 18.11% 30%
Delinquency Rate 0.00% 25%
Return on Assets 1.74% 15%
Member Growth -9.65% 15%
Loan-to-Share Ratio 50.45% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $15.7M 927
2024Q4 $15.9M 1,026
2023Q4 $14.6M 1,025

Credit Union Details

Charter Number
23780
Type
Federal
Field of Membership
Other/Community
Peer Group
$10M–$50M
State
California
City
San Francisco
Data Quarter
2025Q4

What This Data Says About Northeast Community

Headquartered in San Francisco, California, Northeast Community is a federal credit union with 927 members, $15.7M in total assets, and $5.2M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 81/100 (Excellent), driven in part by a net worth ratio of 18.11% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #23780 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.

Loan book quality rounds out the picture. The delinquency rate of 0.00% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 50.45% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.74% on net income of $273K 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 -9.65%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other/Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.

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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 Northeast Community financially healthy?

Based on NCUA 5300 Call Report data as of Q4 2025, Northeast Community carries a financial health score of 81/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 18.11% net worth ratio and a 0.00% delinquency rate.

How does Northeast Community compare to other credit unions?

81/100 is Northeast Community's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Northeast Community?

Northeast Community 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 Northeast Community directly for the exact boundaries and application steps.

Is my money safe at Northeast Community?

Federal credit unions like Northeast Community 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. Northeast Community's net worth ratio of 18.11% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Northeast Community offer compared to banks?

Credit unions like Northeast Community 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 Northeast Community 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.