Federal credit union · Yonkers, New York · NCUA charter #16360
SUMA
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $457.6M
- Total assets
- 9,488
- Members
- 12.3%
- Net-worth ratio
SUMA scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $457.6M; members 9,488; net-worth ratio 12.28%; health rank #2,434 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,434 of 4,374 health · 2025Q4SUMA · health 82/100 · $457.6M · 2025Q4
Call Report peers
SUMA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SUMA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SUMA sits in 80-84 with 767 others.
82 43rd percentile higher than 43% 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
Peer-gap read for SUMA
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +7.80 pp (80.00% vs 72.20%).
- Largest lag: Delinquency Rate at 1.95% vs peer 0.89% (+1.06 pp).
SUMA in New York
- New York health ordinal: #137 of 272.
- By total assets, SUMA is #38 of 272 in New York.
- Member book place in New York: #75 of 272.
- One place up in New York, Maryvale Schools (#136) ties at 82/100; one place down, Great Meadow (#138) ties at 82/100.
SUMA Call Report trajectory
SUMA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $457.6M (2025Q4) to $460.9M (2026Q1).
- Net-worth ratio shifted +0.06 pp (12.22% → 12.28%).
12.28% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
SUMA gives up 18 points in total. Delinquency Rate costs the most, 12.1 of its 25; Net Worth Ratio and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.9 pts
- Return on Assets 9.5 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
SUMA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.28% | +0.17 pp |
| Delinquency Rate | 1.95% | +1.06 pp |
| Return on Assets | 0.13% | -0.49 pp |
| Member Growth | 6.01% | - |
| Loan-to-Share Ratio | 80.00% | +7.80 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $460.9M | - |
| 2025Q4 | $457.6M | 9,488 |
| 2024Q4 | $430.6M | 8,950 |
| 2023Q4 | $420.2M | 8,111 |
Credit Union Details
- Charter Number
- 16360
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- $100M–$500M
- State
- New York
- City
- Yonkers
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, SUMA runs 8 offices in 8 different cities across 4 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Yonkers, NY |
| Houston Branch | Houston, TX |
| Jacksonville Branch | Jacksonville, FL |
| New Haven Branch | New Haven, CT |
| North Port branch | North Port, FL |
| St. Petersburg branch | Saint Petersburg, FL |
| Spring Valley Branch | Spring Valley, NY |
| Stamford Branch | Stamford, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
SUMA nationwide neighbourhoods
Using this data
- SUMA ranks #2,434 of 4,374 nationally on financial health and #137 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TEG is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TEG
Frequently Asked Questions
Is SUMA financially healthy?
On its 2025Q4 NCUA 5300 filing, SUMA scores 82/100 (Excellent), with a 12.28% net worth ratio and 1.95% of loans delinquent. It ranks #2,434 of 4,374 nationally on health and #137 of 272 in New York.
How does SUMA compare to other credit unions?
SUMA scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (80.00% vs 72.20%). Its widest shortfall is delinquency rate (1.95% vs 0.89%).
How can I join SUMA?
SUMA 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 SUMA directly for the exact boundaries and application steps.
Is my money safe at SUMA?
SUMA 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. SUMA's net worth ratio of 12.28% 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.