Federal credit union · ROSLYN, New York · NCUA charter #22456
The Heart Center
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $20.2M
- Total assets
- 2,533
- Members
- 15.4%
- Net-worth ratio
The Heart Center - Share Insurance Coverage
Charter #22456'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.
The Heart Center - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)54
- Earnings (ROA)100
- Member growth60
- Liquidity (loan-to-share)90
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 15.44% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.44% | 30% |
| Delinquency Rate | 1.88% | 25% |
| Return on Assets | 0.79% | 15% |
| Member Growth | 0.04% | 15% |
| Loan-to-Share Ratio | 63.04% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $20.2M | 2,533 |
| 2024Q4 | $20.1M | 2,532 |
| 2023Q4 | $20.9M | 2,471 |
Credit Union Details
- Charter Number
- 22456
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- ROSLYN
- Data Quarter
- 2025Q4
What This Data Says About The Heart Center
The five-factor composite scores The Heart Center at 81/100 (Excellent), reflecting a net worth ratio of 15.44% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in ROSLYN, New York, reports 2,533 members, $20.2M in total assets, and $10.8M in outstanding loans as of Q4 2025 under charter #22456 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Two more numbers round out the picture: a 1.88% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers - and a 63.04% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.79% on net income of $161K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.04%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is The Heart Center financially healthy?
A 15.44% net worth ratio and a 1.88% delinquency rate feed into The Heart Center's financial health score of 81/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does The Heart Center compare to other credit unions?
On PlainCU's health composite, The Heart Center lands at 81/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 The Heart Center?
The Heart Center 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 The Heart Center directly for the exact boundaries and application steps.
Is my money safe at The Heart Center?
Federal credit unions like The Heart Center 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. The Heart Center's net worth ratio of 15.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The Heart Center offer compared to banks?
Credit unions like The Heart Center 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 The Heart Center directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.