Federal credit union · Briarcliff Mano, New York · NCUA charter #4441
Sing Sing Employees
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $10.7M
- Total assets
- 1,276
- Members
- 15.9%
- Net-worth ratio
Sing Sing Employees scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.7M; members 1,276; net-worth ratio 15.91%; health rank #3,642 of 4,374; healthier than 16th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,642 of 4,374 health · 2025Q4Sing Sing Employees · health 69/100 · $10.7M · 2025Q4
- BOOK 69/100
- CHARTER 15.9%
- NCUSIF 2.80%
- CAMELS 0.87%
- HEALTH $10.7M
- NW 1,276
- DELQ #3,642/4,374
- ROA Lake Superior
- ASSETS 4441
Call Report peers
Sing Sing Employees in the assets neighbourhood
Sing Sing Employees's $10.7M assets sit next to Lake Superior ($10.7M) 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.
Sing Sing Employees 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
69 16th percentile higher than 16% 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
Sing Sing Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #4441. See our deposit-insurance coverage note.
Peer-gap read for Sing Sing Employees
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +1.05 pp (15.91% vs 14.86%).
- Largest lag: Loan-to-Share Ratio at 45.81% vs peer 59.80% (-13.99 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Sing Sing Employees: in-state Call Report ranks
- In New York, health place is #211 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #209 of 272.
- New York membership ordinal: #207 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.
Sing Sing Employees Call Report trajectory
Sing Sing Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $10.7M (2025Q4) to $10.8M (2026Q1).
- Net-worth ratio shifted -0.08 pp (15.99% → 15.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 15.91% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.5 pts
- Return on Assets 15.0 pts
- Member Growth 6.5 pts
- Loan-to-Share Ratio 10.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.91% | +1.05 pp |
| Delinquency Rate | 2.80% | +1.66 pp |
| Return on Assets | 0.87% | +0.17 pp |
| Member Growth | -1.39% | - |
| Loan-to-Share Ratio | 45.81% | -13.99 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).
Sing Sing Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.8M | - |
| 2025Q4 | $10.7M | 1,276 |
| 2024Q4 | $10.0M | 1,294 |
| 2023Q4 | $10.5M | 1,384 |
Credit Union Details
- Charter Number
- 4441
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- New York
- City
- Briarcliff Mano
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Sing Sing Employees, spread across 2 cities.
| Office | City |
|---|---|
| Sing Sing EFCU (Main Office) | Briarcliff Manor, NY |
| Maria Coutant | New Windsor, 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.
Cross-state Call Report peers for Sing Sing Employees
Sing Sing Employees'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 ($10.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- Sing Sing Employees ranks #3,642 of 4,374 nationally on financial health and #211 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Metro Realtors is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Metro Realtors
- 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 Sing Sing Employees financially healthy?
Sing Sing Employees scores 69/100 (Good) 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 #3,642 of 4,374; by total assets it ranks #3,528 of 4,374 nationally (same basis as /rankings/largest); and #209 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.91% net worth ratio and a 2.80% delinquency rate.
How does Sing Sing Employees compare to other credit unions?
PlainCU's health composite puts Sing Sing Employees at 69/100, compared to a peer group average for $10M–$50M 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 Sing Sing Employees?
Sing Sing Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Sing Sing Employees directly for the current list of qualifying groups.
Is my money safe at Sing Sing Employees?
Federal credit unions like Sing Sing Employees 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. Sing Sing Employees's net worth ratio of 15.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sing Sing Employees offer compared to banks?
Credit unions like Sing Sing Employees 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 Sing Sing Employees 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.