Federal credit union · albany, New York · NCUA charter #609
Ny Firefighters Bravest
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $25.6M
- Total assets
- 4,706
- Members
- 11.7%
- Net-worth ratio
Ny Firefighters Bravest scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.6M; members 4,706; net-worth ratio 11.68%; health rank #2,284 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,284 of 4,374 health · 2025Q4Ny Firefighters Bravest · health 83/100 · $25.6M · 2025Q4
- DELQ 83/100
- ROA 11.7%
- ASSETS 0.29%
- MEM -0.22%
- RANK $25.6M
- PHOTO 4,706
- BOOK #2,284/4,374
- CHARTER Family Community
- NCUSIF 609
Call Report peers
Ny Firefighters Bravest in the assets neighbourhood
Ny Firefighters Bravest's $25.6M assets sit next to Family Community ($25.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Ny Firefighters Bravest 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
83 46th percentile higher than 46% 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
Ny Firefighters Bravest - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #609: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Ny Firefighters Bravest diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 90.04% here, 59.80% peer average (+30.24 pp).
- Largest lag: Net Worth Ratio at 11.68% vs peer 14.86% (-3.18 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ny Firefighters Bravest: in-state Call Report ranks
- New York health ordinal: #126 of 272.
- By total assets, Ny Firefighters Bravest is #169 of 272 in New York.
- Member book place in New York: #112 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Ny Firefighters Bravest
Ny Firefighters Bravest: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.5% from $25.6M (2025Q4) to $24.7M (2026Q1).
- Net-worth ratio shifted +0.46 pp (11.22% → 11.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.68% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 2.5 pts
- Member Growth 10.7 pts
- Loan-to-Share Ratio 14.8 pts
Ny Firefighters Bravest health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.68% | -3.18 pp |
| Delinquency Rate | 0.29% | -0.86 pp |
| Return on Assets | -0.22% | -0.93 pp |
| Member Growth | 1.42% | - |
| Loan-to-Share Ratio | 90.04% | +30.24 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $24.7M | - |
| 2025Q4 | $25.6M | 4,706 |
| 2024Q4 | $24.9M | 4,640 |
| 2023Q4 | $26.5M | 4,512 |
Credit Union Details
- Charter Number
- 609
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- albany
- Data Quarter
- 2025Q4
Branch Locations (4)
Ny Firefighters Bravest operates 4 offices across 4 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main office (Main Office) | albany, NY |
| APPFA | ALBANY, NY |
| FED COMP INC. | fairfax, VA |
| MANHATTAN BRANCH | 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 Ny Firefighters Bravest
Cross-state asset and health neighbours for Ny Firefighters Bravest - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($25.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Ny Firefighters Bravest ranks #2,284 of 4,374 nationally on financial health and #126 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Allegany First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Allegany First
- 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 Ny Firefighters Bravest financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Ny Firefighters Bravest carries a financial health score of 83/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,284 of 4,374; by total assets it ranks #2,971 of 4,374 nationally (same basis as /rankings/largest); and #169 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 11.68% net worth ratio and a 0.29% delinquency rate.
How does Ny Firefighters Bravest compare to other credit unions?
Five weighted metrics from NCUA filings produce Ny Firefighters Bravest's 83/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Ny Firefighters Bravest?
Ny Firefighters Bravest 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 Ny Firefighters Bravest directly for the exact boundaries and application steps.
Is my money safe at Ny Firefighters Bravest?
Federal credit unions like Ny Firefighters Bravest 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. Ny Firefighters Bravest's net worth ratio of 11.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ny Firefighters Bravest offer compared to banks?
Credit unions like Ny Firefighters Bravest 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 Ny Firefighters Bravest 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.