Federal credit union · NEW YORK, New York · NCUA charter #23177
Southern Baptist Church of New York
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $77K
- Total assets
- 105
- Members
- 7.1%
- Net-worth ratio
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.
Southern Baptist Church of New York - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)76
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth60
- Liquidity (loan-to-share)87
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.09% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.09% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 3.37% | 15% |
| Member Growth | 0.00% | 15% |
| Loan-to-Share Ratio | 61.12% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Southern Baptist Church of New York
105 members and $77K in total assets sit behind Southern Baptist Church of New York, a federal credit union in NEW YORK, New York, which posts a health score of 85/100 (Excellent) on the five-factor composite, with $38K in outstanding loans as of Q4 2025 and a net worth ratio of 7.09% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #23177 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Deposit deployment is captured by the 61.12% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 3.37% on net income of $3K 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 0.00%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
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 Southern Baptist Church of New York financially healthy?
Southern Baptist Church of New York scores 85/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 7.09% 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 85/100 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 7.09% 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.
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.