Federal credit union · Purchase, New York · NCUA charter #22769
QUORUM
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $1.27B
- Total assets
- 71,142
- Members
- 9.9%
- Net-worth ratio
QUORUM scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.27B; members 71,142; net-worth ratio 9.92%; health rank #1,696 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,696 of 4,374 health · 2025Q4QUORUM · health 87/100 · $1.27B · 2025Q4
- HEALTH 87/100
- NW 9.9%
- DELQ 1.99%
- ROA 0.59%
- ASSETS $1.27B
- MEM 71,142
- RANK #1,696/4,374
- PHOTO RIZE
- BOOK 22769
Call Report peers
QUORUM in the assets neighbourhood
QUORUM's $1.27B assets sit next to RIZE ($1.27B) 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.
QUORUM 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
87 Top 40% higher than 60% 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
QUORUM - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #22769 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for QUORUM
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +0.23 pp (84.13% vs 83.90%).
- Net Worth Ratio trails the peer set - 9.92% here, 11.18% peer average (-1.26 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
QUORUM: in-state Call Report ranks
- In New York, health place is #99 of 272 on the same NCUA-ratio sort used nationally.
- Assets rank #21 of 272 inside New York ($1.27B reported).
- New York membership ordinal: #21 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.
How QUORUM's 5300 filing moved
QUORUM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $1.27B (2025Q4) to $1.31B (2026Q1).
- Net-worth ratio shifted +0.17 pp (9.75% → 9.92%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.92% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 29.8 pts
- Delinquency Rate 12.5 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.7 pts
QUORUM health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.92% | -1.26 pp |
| Delinquency Rate | 1.99% | +1.12 pp |
| Return on Assets | 0.59% | +0.08 pp |
| Member Growth | 4.96% | - |
| Loan-to-Share Ratio | 84.13% | +0.23 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.31B | - |
| 2025Q4 | $1.27B | 71,142 |
| 2024Q4 | $1.13B | 67,778 |
| 2023Q4 | $1.09B | 68,318 |
Credit Union Details
- Charter Number
- 22769
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- New York
- City
- Purchase
- Data Quarter
- 2025Q4
Branch Location
QUORUM operates a single office in Purchase, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Quorum FCU (Main Office) | Purchase, 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.
Other-state peers near QUORUM
Two NCUA Call Report peer sets for QUORUM, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.27B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- QUORUM ranks #1,696 of 4,374 nationally on financial health and #99 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SIDNEY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SIDNEY
- 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 QUORUM financially healthy?
QUORUM has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,696 of 4,374; by total assets it ranks #383 of 4,374 nationally (same basis as /rankings/largest); and #21 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.92% and delinquency rate of 1.99%.
How does QUORUM compare to other credit unions?
PlainCU's health composite puts QUORUM at 87/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 QUORUM?
QUORUM 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 QUORUM directly for the exact boundaries and application steps.
Is my money safe at QUORUM?
Federal credit unions like QUORUM 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. QUORUM's net worth ratio of 9.92% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does QUORUM offer compared to banks?
Credit unions like QUORUM 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 QUORUM 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.