Federal credit union · Purchase, New York · NCUA charter #22769
Quorum
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $1.27B
- Total assets
- 71,142
- Members
- 8.7%
- Net-worth ratio
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.
Quorum - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)89
- Asset quality (delinquency)50
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.66% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.66% | 30% |
| Delinquency Rate | 1.99% | 25% |
| Return on Assets | 0.59% | 15% |
| Member Growth | 4.96% | 15% |
| Loan-to-Share Ratio | 84.13% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Quorum
Headquartered in Purchase, New York, Quorum is a federal credit union with 71,142 members, $1.27B in total assets, and $912.6M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 84/100 (Excellent), driven in part by a net worth ratio of 8.66% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #22769 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
1.99% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 84.13% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.59% on net income of $7.5M 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 4.96%. 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.
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.
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 Quorum financially healthy?
Quorum has a financial health score of 84/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.66% and delinquency rate of 1.99%.
How does Quorum compare to other credit unions?
PlainCU's health composite puts Quorum at 84/100, 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 8.66% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.