Federal credit union · Brooklyn, New York · NCUA charter #22592
Polish & Slavic
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $2.71B
- Total assets
- 126,138
- Members
- 11.3%
- Net-worth ratio
Polish & Slavic scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.71B; members 126,138; net-worth ratio 11.26%; health rank #270 of 4,374; healthier than 93rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#270 of 4,374 health · 2025Q4Polish & Slavic · health 96/100 · $2.71B · 2025Q4
- NW 96/100
- DELQ 11.3%
- ROA 0.49%
- ASSETS 0.68%
- MEM $2.71B
- RANK 126,138
- PHOTO #270/4,374
- BOOK Y-12
- CHARTER 22592
Call Report peers
Polish & Slavic in the assets neighbourhood
Polish & Slavic's $2.71B assets sit next to Y-12 ($2.73B) 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.
Polish & Slavic 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
96 Top 7% higher than 93% 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
Polish & Slavic - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #22592. See our deposit-insurance coverage note.
Polish & Slavic vs Over $500M peers
- Delinquency Rate leads the peer set - 0.49% here, 0.87% peer average (-0.39 pp).
- Largest lag: Loan-to-Share Ratio at 64.93% vs peer 83.90% (-18.97 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Polish & Slavic: in-state Call Report ranks
- Health composite ranks #17 of 272 among scored New York credit unions.
- By total assets, Polish & Slavic is #13 of 272 in New York.
- Member book place in New York: #14 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.
Polish & Slavic Call Report trajectory
Polish & Slavic: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $2.71B (2025Q4) to $2.73B (2026Q1).
- Net-worth ratio shifted +0.11 pp (11.15% → 11.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.26% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.3 pts
- Loan-to-Share Ratio 13.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.26% | +0.08 pp |
| Delinquency Rate | 0.49% | -0.39 pp |
| Return on Assets | 0.68% | +0.17 pp |
| Member Growth | 2.78% | - |
| Loan-to-Share Ratio | 64.93% | -18.97 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Polish & Slavic filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.73B | - |
| 2025Q4 | $2.71B | 126,138 |
| 2024Q4 | $2.59B | 122,723 |
| 2023Q4 | $2.56B | 117,316 |
Credit Union Details
- Charter Number
- 22592
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- New York
- City
- Brooklyn
- Data Quarter
- 2025Q4
Branch Locations (25)
Polish & Slavic operates 25 offices across 23 cities, spanning 6 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| McGuinness Headquarters (Main Office) | Brooklyn, NY |
| Algonquin Branch | Algonquin, IL |
| Boling Brook Branch | Bolingbrook, IL |
| Bridgeview Branch | Bridgeview, IL |
| Boro Park Branch | Brooklyn, NY |
| Greenpoint Branch | Brooklyn, NY |
| Clifton Branch | Clifton, NJ |
| Copiague Branch | Copiague, NY |
| Fairfield Operations Center and Branch | Fairfield, NJ |
| Garfield Branch | Garfield, NJ |
| Glendale Heights Branch | Glendale Heights, IL |
| Linden Branch | Linden, NJ |
| Maspeth Branch | Maspeth, NY |
| Mt. Prospect Branch | Mount Prospect, IL |
| New Britain Branch | New Britain, CT |
| Norridge Branch | Norridge, IL |
| Orland Park Branch | Orland Park, IL |
| Port Charlotte Branch | Port Charlotte, FL |
| Ridgewood Branch | Ridgewood, NY |
| Schaumburg Branch | Schaumburg, IL |
| Staten Island Branch | Staten Island, NY |
| Stroudsburg Branch | Stroudsburg, PA |
| Trenton Branch | Trenton, NJ |
| Union Branch | Union, NJ |
| Wallington Branch | Wallington, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Other-state peers near Polish & Slavic
Cross-state asset and health neighbours for Polish & Slavic - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.71B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- Polish & Slavic ranks #270 of 4,374 nationally on financial health and #17 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CORNING is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CORNING
- 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 Polish & Slavic financially healthy?
Polish & Slavic scores 96/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #270 of 4,374; by total assets it ranks #184 of 4,374 nationally (same basis as /rankings/largest); and #13 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.26% net worth ratio and a 0.49% delinquency rate.
How does Polish & Slavic compare to other credit unions?
96/100 is Polish & Slavic's score on PlainCU's health composite, compared to a peer group average for Over $500M 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 Polish & Slavic?
Polish & Slavic 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 Polish & Slavic directly for the exact boundaries and application steps.
Is my money safe at Polish & Slavic?
Federal credit unions like Polish & Slavic 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. Polish & Slavic's net worth ratio of 11.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Polish & Slavic offer compared to banks?
Credit unions like Polish & Slavic 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 Polish & Slavic 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.