Federal credit union · NEW YORK, New York · NCUA charter #23177
Southern Baptist Church of New York
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $77K
- Total assets
- 105
- Members
- 19.3%
- Net-worth ratio
Southern Baptist Church of New York scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $77K; members 105; net-worth ratio 19.31%; health rank #723 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#723 of 4,374 health · 2025Q4Southern Baptist Church · health 92/100 · $77K · 2025Q4
- CHARTER 92/100
- NCUSIF 19.3%
- CAMELS 0.00%
- HEALTH 3.37%
- NW $77K
- DELQ 105
- ROA #723/4,374
- ASSETS n/a
- MEM 23177
Call Report peers
Southern Baptist Church of New York carries $77K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Southern Baptist Church of New York 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
92 Top 20% higher than 80% 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
Southern Baptist Church of New York - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #23177 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 Southern Baptist Church of New York
- Loan-to-Share Ratio leads the peer set - 61.12% here, 52.70% peer average (+8.42 pp).
- Largest lag: Net Worth Ratio at 19.31% vs peer 22.93% (-3.62 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Southern Baptist Church of New York sits in New York
- New York health ordinal: #34 of 272.
- By total assets, Southern Baptist Church of New York is #272 of 272 in New York.
- Membership ranks #267 of 272 among New York CUs with a reported count (105 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Southern Baptist Church of New York: 2025Q4 → 2026Q1
Southern Baptist Church of New York: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $77K (2025Q4) to $78K (2026Q1).
- Net-worth ratio shifted +0.74 pp (18.57% → 19.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 19.31% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 13.0 pts
Southern Baptist Church health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.31% | -3.62 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 3.37% | +3.14 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 61.12% | +8.42 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $78K | - |
| 2025Q4 | $77K | 105 |
| 2024Q4 | $81K | 105 |
| 2023Q4 | $136K | 106 |
Credit Union Details
- Charter Number
- 23177
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- New York
- City
- NEW YORK
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Southern Baptist Church of New York.
| Office | City |
|---|---|
| Southern Baptist (Main Office) | New York, NY |
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 Southern Baptist Church of New York
Southern Baptist Church of New York's nationwide photo peers by assets and by health score, excluding New York charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Southern Baptist Church of New York ranks #723 of 4,374 nationally on financial health and #34 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BEREA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BEREA
- 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 Southern Baptist Church of New York financially healthy?
Southern Baptist Church of New York scores 92/100 (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 #723 of 4,374; by total assets it ranks #4,366 of 4,374 nationally (same basis as /rankings/largest); and #272 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 19.31% net worth ratio and a 0.00% delinquency rate.
How does Southern Baptist Church of New York compare to other credit unions?
Five weighted metrics from NCUA filings produce Southern Baptist Church of New York's 92/100 score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Southern Baptist Church of New York?
Southern Baptist Church of New York 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 Southern Baptist Church of New York directly for the exact boundaries and application steps.
Is my money safe at Southern Baptist Church of New York?
Federal credit unions like Southern Baptist Church of New York 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. Southern Baptist Church of New York's net worth ratio of 19.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southern Baptist Church of New York offer compared to banks?
Credit unions like Southern Baptist Church of New York 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 Southern Baptist Church of New York 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.