Federal credit union · New York, New York · NCUA charter #7172
St. Philip's Church
Health score 57/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $1.3M
- Total assets
- 298
- Members
- 33.8%
- Net-worth ratio
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.
St. Philip's Church - 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 growth32
- Liquidity (loan-to-share)49
Weighted composite: 57/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
33.82% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 33.82% | 30% |
| Delinquency Rate | 10.93% | 25% |
| Return on Assets | 1.15% | 15% |
| Member Growth | -2.30% | 15% |
| Loan-to-Share Ratio | 15.25% | 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 | $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
What This Data Says About St. Philip's Church
298 members and $1.3M in total assets sit behind St. Philip's Church, a federal credit union in New York, New York, which posts a health score of 57/100 (Fair) on the five-factor composite, with $125K in outstanding loans as of Q4 2025 and a net worth ratio of 33.82% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #7172 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
Two more numbers round out the picture: a 10.93% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers - and a 15.25% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.15% on net income of $15K 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 -2.30%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match 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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 33.82% 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 33.82% 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.
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.