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
Call Report peers
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St. Philip's Church vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); St. Philip's Church sits in 55-59 with 115 others.
57 5th percentile higher than 5% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in New York, Metro Realtors (#251) scores 58/100, 1 point higher; one place down, Lower East Side People's (#253) scores 56/100, 1 point lower.
St. Philip's Church: 2025Q4 → 2026Q1
St. Philip's Church: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $1.3M (2025Q4) to $1.3M (2026Q1).
- Net-worth ratio shifted +0.22 pp (33.82% → 34.04%).
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
St. Philip's Church gives up 43 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is St. Philip's Church financially healthy?
St. Philip's Church has a financial health score of 57/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,129 of 4,374 nationally on health and #252 of 272 in New York. Its net worth ratio is 34.04% and its delinquency rate 10.93%.
How does St. Philip's Church compare to other credit unions?
St. Philip's Church scores 57/100, higher than 5% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is net worth ratio (34.04% vs 22.93%). Its widest shortfall is loan-to-share ratio (15.25% vs 52.70%).
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?
St. Philip's Church is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.