Federal credit union · New York, New York · NCUA charter #7217
Self Reliance Financial
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $2.01B
- Total assets
- 31,554
- Members
- 17.1%
- Net-worth ratio
Self Reliance Financial scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.01B; members 31,554; net-worth ratio 17.07%; health rank #1,399 of 4,374; healthier than 65th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,399 of 4,374 health · 2025Q4Self Reliance Financial · health 88/100 · $2.01B · 2025Q4
- ROA 88/100
- ASSETS 17.1%
- MEM 0.60%
- RANK -0.01%
- PHOTO $2.01B
- BOOK 31,554
- CHARTER #1,399/4,374
- NCUSIF Community Choice
- CAMELS 7217
Call Report peers
Self Reliance Financial in the assets neighbourhood
Self Reliance Financial's $2.01B assets sit next to Community Choice ($2.00B) 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.
Self Reliance Financial 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
88 Top 35% higher than 65% 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
Self Reliance Financial - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #7217: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Self Reliance Financial: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 17.07% vs peer 11.18% (+5.89 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -3.94 pp (79.96% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Self Reliance Financial: in-state Call Report ranks
- In New York, health place is #77 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, Self Reliance Financial is #16 of 272 in New York.
- New York membership ordinal: #37 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.
Self Reliance Financial: 2025Q4 → 2026Q1
Self Reliance Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $2.01B (2025Q4) to $2.03B (2026Q1).
- Net-worth ratio shifted +2.04 pp (15.03% → 17.07%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 17.07% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.0 pts
- Return on Assets 4.4 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.07% | +5.89 pp |
| Delinquency Rate | 0.60% | -0.27 pp |
| Return on Assets | -0.01% | -0.52 pp |
| Member Growth | 112.90% | - |
| Loan-to-Share Ratio | 79.96% | -3.94 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 | $2.03B | - |
| 2025Q4 | $2.01B | 31,554 |
| 2024Q4 | $1.44B | 14,821 |
| 2023Q4 | $1.39B | 14,879 |
Credit Union Details
- Charter Number
- 7217
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- Over $500M
- State
- New York
- City
- New York
- Data Quarter
- 2025Q4
Branch Locations (11)
Per its most recent NCUA branch filing, Self Reliance Financial runs 11 offices in 10 different cities across 4 states.
| Office | City |
|---|---|
| Main Office (Main Office) | New York, NY |
| Astoria | Astoria, NY |
| Baltimore Branch | Baltimore, MD |
| Feasterville Regional Office | Feasterville Trevose, PA |
| UECC Branch | Jenkintown, PA |
| Kerhonkson | Kerhonkson, NY |
| Lindenhurst | Lindenhurst, NY |
| Fairmount Branch | Philadelphia, PA |
| Somerton Branch | Philadelphia, PA |
| Trenton Branch | Trenton, NJ |
| Uniondale | Uniondale, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Self Reliance Financial nationwide neighbourhoods
Self Reliance Financial's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.01B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Self Reliance Financial ranks #1,399 of 4,374 nationally on financial health and #77 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SUFFOLK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SUFFOLK
- 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 Self Reliance Financial financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Self Reliance Financial carries a financial health score of 88/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,399 of 4,374; by total assets it ranks #260 of 4,374 nationally (same basis as /rankings/largest); and #16 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 17.07% net worth ratio and a 0.60% delinquency rate.
How does Self Reliance Financial compare to other credit unions?
88/100 is Self Reliance Financial'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 Self Reliance Financial?
Self Reliance Financial 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 Self Reliance Financial directly for the exact boundaries and application steps.
Is my money safe at Self Reliance Financial?
Federal credit unions like Self Reliance Financial 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. Self Reliance Financial's net worth ratio of 17.07% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Self Reliance Financial offer compared to banks?
Credit unions like Self Reliance Financial 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 Self Reliance Financial 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.