Federal credit union · Brooklyn, New York · NCUA charter #18858
Spc Brooklyn
Health score 62/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $373K
- Total assets
- 298
- Members
- 13.1%
- Net-worth ratio
Spc Brooklyn - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #18858. See our deposit-insurance coverage note.
Spc Brooklyn - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth60
- Liquidity (loan-to-share)53
Weighted composite: 62/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.08%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.08% | 30% |
| Delinquency Rate | 14.77% | 25% |
| Return on Assets | 0.97% | 15% |
| Member Growth | 0.00% | 15% |
| Loan-to-Share Ratio | 22.08% | 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 | $373K | 298 |
| 2024Q4 | $390K | 298 |
| 2023Q4 | $414K | 296 |
Credit Union Details
- Charter Number
- 18858
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- New York
- City
- Brooklyn
- Data Quarter
- 2025Q4
What This Data Says About Spc Brooklyn
Charter #18858, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's Spc Brooklyn, a federal credit union in Brooklyn, New York with 298 members, $373K in total assets, and $72K in outstanding loans as of Q4 2025. The five-factor composite scores it 62/100 (Good), helped by a net worth ratio of 13.08% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 14.77% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Meanwhile a 22.08% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.97% on net income of $4K 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%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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 Spc Brooklyn financially healthy?
Yes/no aside, the number is 62/100 (Good) - Spc Brooklyn's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.08% net worth ratio and 14.77% delinquency rate are the key drivers.
How does Spc Brooklyn compare to other credit unions?
62/100 is Spc Brooklyn's score on PlainCU's health composite, compared to a peer group average for Under $2M 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 Spc Brooklyn?
Spc Brooklyn 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 Spc Brooklyn directly for the exact boundaries and application steps.
Is my money safe at Spc Brooklyn?
Federal credit unions like Spc Brooklyn 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. Spc Brooklyn's net worth ratio of 13.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Spc Brooklyn offer compared to banks?
Credit unions like Spc Brooklyn 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 Spc Brooklyn 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.