Federal credit union · New York, New York · NCUA charter #24862
The Finest
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $34.5M
- Total assets
- 12,125
- Members
- 23.8%
- Net-worth ratio
The Finest scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $34.5M; members 12,125; net-worth ratio 23.82%; health rank #1,745 of 4,374; healthier than 57th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,745 of 4,374 health · 2025Q4The Finest · health 86/100 · $34.5M · 2025Q4
Call Report peers
The Finest in the assets neighbourhood
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The Finest vs every NCUA-scored credit union
The Finest sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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 The Finest
- Largest favorable gap: Loan-to-Share Ratio at 105.55% vs peer 59.80% (+45.75 pp).
- Delinquency Rate trails the peer set - 1.31% here, 1.15% peer average (+0.17 pp).
The Finest: in-state Call Report ranks
- New York health ordinal: #103 of 272.
- Assets rank #152 of 272 inside New York ($34.5M reported).
- Member book place in New York: #64 of 272.
- One place up in New York, Niagara Regional (#102) scores 87/100, 1 point higher; one place down, Sweet Home (#104) ties at 86/100.
The Finest: 2025Q4 → 2026Q1
The Finest: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $34.5M (2025Q4) to $35.8M (2026Q1).
- Net-worth ratio shifted -0.61 pp (24.43% → 23.82%).
This credit union's 23.82% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
The Finest gives up 14 points in total. Delinquency Rate costs the most, 7.3 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.7 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 8.3 pts
The Finest health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.82% | +8.96 pp |
| Delinquency Rate | 1.31% | +0.17 pp |
| Return on Assets | 1.62% | +0.91 pp |
| Member Growth | 20.98% | - |
| Loan-to-Share Ratio | 105.55% | +45.75 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
The Finest quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $35.8M | - |
| 2025Q4 | $34.5M | 12,125 |
| 2024Q4 | $30.0M | 10,022 |
| 2023Q4 | $27.8M | 8,182 |
Credit Union Details
- Charter Number
- 24862
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- New York
- City
- New York
- Data Quarter
- 2025Q4
Branch Location
The Finest operates a single office in New York, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Branch - Police Plaza (Main Office) | New York, NY |
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.
Nationwide credit unions with similar profiles
Using this data
- The Finest ranks #1,745 of 4,374 nationally on financial health and #103 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Finger Lakes Health Care is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Finger Lakes Health Care
Frequently Asked Questions
Is The Finest financially healthy?
On its 2025Q4 NCUA 5300 filing, The Finest scores 86/100 (Excellent), with a 23.82% net worth ratio and 1.31% of loans delinquent. It ranks #1,745 of 4,374 nationally on health and #103 of 272 in New York.
How does The Finest compare to other credit unions?
The Finest scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (105.55% vs 59.80%). Its widest shortfall is delinquency rate (1.31% vs 1.15%).
How can I join The Finest?
The Finest carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact The Finest directly to confirm current membership steps.
Is my money safe at The Finest?
The Finest 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. The Finest's net worth ratio of 23.82% 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.