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
Call Report peers
SUFFOLK in the assets neighbourhood
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SUFFOLK vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SUFFOLK sits in 95-99 with 391 others.
95 Top 10% higher than 90% 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 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%).
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.
- One place up in New York, Hudson Valley (#25) ties at 95/100; one place down, Stratton Air National Guard (#27) scores 94/100, 1 point lower.
SUFFOLK: 2025Q4 → 2026Q1
SUFFOLK: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $2.03B (2025Q4) to $2.07B (2026Q1).
- Net-worth ratio shifted -0.05 pp (8.54% → 8.49%).
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
SUFFOLK gives up 5 points in total. Net Worth Ratio costs the most, 3.8 of its 30; Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is SUFFOLK financially healthy?
On its 2025Q4 NCUA 5300 filing, SUFFOLK scores 95/100 (Excellent), with a 8.49% net worth ratio and 0.53% of loans delinquent. It ranks #426 of 4,374 nationally on health and #26 of 272 in New York.
How does SUFFOLK compare to other credit unions?
SUFFOLK scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.53% vs 0.87%). Its widest shortfall is loan-to-share ratio (76.82% vs 83.90%).
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?
SUFFOLK 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. SUFFOLK's net worth ratio of 8.49% 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.