Federal credit union · New York, New York · NCUA charter #7172
St. Philip's Church
Health score 57/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $1.3M
- Total assets
- 298
- Members
- 34.0%
- Net-worth ratio
St. Philip's Church scores 57/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.3M; members 298; net-worth ratio 34.04%; health rank #4,129 of 4,374; healthier than 5th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,129 of 4,374 health · 2025Q4St. Philip's Church · health 57/100 · $1.3M · 2025Q4
- ASSETS 57/100
- MEM 34.0%
- RANK 10.93%
- PHOTO 1.15%
- BOOK $1.3M
- CHARTER 298
- NCUSIF #4,129/4,374
- CAMELS n/a
- HEALTH 7172
Call Report peers
St. Philip's Church carries $1.3M 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.
St. Philip's Church 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
57 5th percentile higher than 5% 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
St. Philip's Church - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #7172. See our deposit-insurance coverage note.
Peer-gap read for St. Philip's Church
- Net Worth Ratio leads the peer set - 34.04% here, 22.93% peer average (+11.11 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -37.45 pp (15.25% vs 52.70%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
St. Philip's Church in New York
- Health composite ranks #252 of 272 among scored New York credit unions.
- Assets rank #248 of 272 inside New York ($1.3M reported).
- Member book place in New York: #251 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.
St. Philip's Church: 2025Q4 → 2026Q1
St. Philip's Church: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $1.3M (2025Q4) to $1.3M (2026Q1).
- Net-worth ratio shifted +0.22 pp (33.82% → 34.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
34.04% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 57/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 57.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.9 pts
- Loan-to-Share Ratio 7.1 pts
Call Report ratios for St. Philip's Church
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 34.04% | +11.11 pp |
| Delinquency Rate | 10.93% | +6.45 pp |
| Return on Assets | 1.15% | +0.93 pp |
| Member Growth | -2.30% | - |
| Loan-to-Share Ratio | 15.25% | -37.45 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 | $1.3M | - |
| 2025Q4 | $1.3M | 298 |
| 2024Q4 | $1.3M | 305 |
| 2023Q4 | $1.3M | 317 |
Credit Union Details
- Charter Number
- 7172
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- New York
- City
- New York
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, St. Philip's Church runs 2 offices.
| Office | City |
|---|---|
| St. Philip's Church (Main Office) | New York, NY |
| Abyssinian Baptist Church | New York, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for St. Philip's Church - kept outside New York; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (57/100 here).
Using this data
- St. Philip's Church ranks #4,129 of 4,374 nationally on financial health and #252 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Harrison Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Harrison Teachers
- 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 St. Philip's Church financially healthy?
Yes/no aside, the number is 57/100 (Fair) - St. Philip's Church's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,129 of 4,374; by total assets it ranks #4,199 of 4,374 nationally (same basis as /rankings/largest); and #248 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 34.04% net worth ratio and 10.93% delinquency rate are the key drivers.
How does St. Philip's Church compare to other credit unions?
Five weighted metrics from NCUA filings produce St. Philip's Church's 57/100 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 St. Philip's Church?
St. Philip's Church 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 St. Philip's Church directly for the exact boundaries and application steps.
Is my money safe at St. Philip's Church?
Federal credit unions like St. Philip's Church 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. St. Philip's Church's net worth ratio of 34.04% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St. Philip's Church offer compared to banks?
Credit unions like St. Philip's Church 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 St. Philip's Church 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.