Federal credit union · Medford, New York · NCUA charter #17914
SUFFOLK
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $2.03B
- Total assets
- 77,768
- Members
- 8.5%
- Net-worth ratio
SUFFOLK scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.03B; members 77,768; net-worth ratio 8.49%; health rank #426 of 4,374; healthier than 90th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#426 of 4,374 health · 2025Q4SUFFOLK · health 95/100 · $2.03B · 2025Q4
- RANK 95/100
- PHOTO 8.5%
- BOOK 0.53%
- CHARTER 0.60%
- NCUSIF $2.03B
- CAMELS 77,768
- HEALTH #426/4,374
- NW HORIZON
- DELQ 17914
Call Report peers
SUFFOLK in the assets neighbourhood
SUFFOLK's $2.03B assets sit next to HORIZON ($2.03B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SUFFOLK 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
95 Top 10% higher than 90% 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
SUFFOLK - Share Insurance Coverage
Charter #17914's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for SUFFOLK
- Largest favorable gap: Delinquency Rate at 0.53% vs peer 0.87% (-0.34 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -7.08 pp (76.82% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for SUFFOLK
- New York health ordinal: #26 of 272.
- By total assets, SUFFOLK is #15 of 272 in New York.
- New York membership ordinal: #18 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.
SUFFOLK: 2025Q4 → 2026Q1
SUFFOLK: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $2.03B (2025Q4) to $2.07B (2026Q1).
- Net-worth ratio shifted -0.05 pp (8.54% → 8.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.49%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 26.2 pts
- Delinquency Rate 24.7 pts
- Return on Assets 15.0 pts
- Member Growth 14.3 pts
- Loan-to-Share Ratio 14.8 pts
SUFFOLK health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.49% | -2.69 pp |
| Delinquency Rate | 0.53% | -0.34 pp |
| Return on Assets | 0.60% | +0.09 pp |
| Member Growth | 4.44% | - |
| Loan-to-Share Ratio | 76.82% | -7.08 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
SUFFOLK filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.07B | - |
| 2025Q4 | $2.03B | 77,768 |
| 2024Q4 | $1.90B | 74,461 |
| 2023Q4 | $1.78B | 69,979 |
Credit Union Details
- Charter Number
- 17914
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New York
- City
- Medford
- Data Quarter
- 2025Q4
Branch Locations (10)
The NCUA branch filing lists 10 physical offices for SUFFOLK, spread across 10 cities.
| Office | City |
|---|---|
| Medford Branch (Main Office) | Medford, NY |
| Commack Branch | Commack, NY |
| Eastport Branch | Eastport, NY |
| Islandia Branch | Islandia, NY |
| Miller Place Branch | Miller Place, NY |
| Port Jefferson Branch | Port Jefferson, NY |
| Riverhead Branch | Riverhead, NY |
| Sayville Branch | Sayville, NY |
| Southampton Branch | Southampton, NY |
| West Babylon Branch | West Babylon, 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.
SUFFOLK nationwide neighbourhoods
Cross-state asset and health neighbours for SUFFOLK - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.03B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- SUFFOLK ranks #426 of 4,374 nationally on financial health and #26 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Self Reliance Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Self Reliance Financial
- 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 SUFFOLK financially healthy?
SUFFOLK scores 95/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #426 of 4,374; by total assets it ranks #259 of 4,374 nationally (same basis as /rankings/largest); and #15 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.49% net worth ratio and a 0.53% delinquency rate.
How does SUFFOLK compare to other credit unions?
Five weighted metrics from NCUA filings produce SUFFOLK's 95/100 score on PlainCU's health composite, compared to a peer group average for Over $500M 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 SUFFOLK?
SUFFOLK 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 SUFFOLK directly for the exact boundaries and application steps.
Is my money safe at SUFFOLK?
Federal credit unions like SUFFOLK 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. SUFFOLK's net worth ratio of 8.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SUFFOLK offer compared to banks?
Credit unions like SUFFOLK 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 SUFFOLK 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.