Federal credit union · ROSLYN, New York · NCUA charter #22456
The Heart Center
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $20.2M
- Total assets
- 2,533
- Members
- 15.1%
- Net-worth ratio
The Heart Center scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.2M; members 2,533; net-worth ratio 15.11%; health rank #2,559 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,559 of 4,374 health · 2025Q4The Heart Center · health 81/100 · $20.2M · 2025Q4
Call Report peers
The Heart Center in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
The Heart Center vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); The Heart Center sits in 80-84 with 767 others.
81 39th percentile higher than 39% 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
Where The Heart Center diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 63.04% here, 59.80% peer average (+3.24 pp).
- Largest lag: Delinquency Rate at 1.88% vs peer 1.15% (+0.73 pp).
The Heart Center: in-state Call Report ranks
- Health composite ranks #144 of 272 among scored New York credit unions.
- By total assets, The Heart Center is #185 of 272 in New York.
- New York membership ordinal: #158 of 272.
- One place up in New York, Crossroads Community (#143) ties at 81/100; one place down, REMINGTON (#145) ties at 81/100.
The Heart Center Call Report trajectory
The Heart Center: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $20.2M (2025Q4) to $20.9M (2026Q1).
- Net-worth ratio shifted -0.33 pp (15.44% → 15.11%).
This credit union's 15.11% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
The Heart Center gives up 19 points in total. Delinquency Rate costs the most, 11.6 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.4 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 13.6 pts
The Heart Center vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.11% | +0.25 pp |
| Delinquency Rate | 1.88% | +0.73 pp |
| Return on Assets | 0.79% | +0.09 pp |
| Member Growth | 0.04% | - |
| Loan-to-Share Ratio | 63.04% | +3.24 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - The Heart Center
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.9M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for The Heart Center.
| Office | City |
|---|---|
| The Heart Center Federal Credit Union (Main Office) | Roslyn, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Other-state peers near The Heart Center
Similar total assets
Similar health score
Using this data
- The Heart Center ranks #2,559 of 4,374 nationally on financial health and #144 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CROUSE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CROUSE
Frequently Asked Questions
Is The Heart Center financially healthy?
The Heart Center has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,559 of 4,374 nationally on health and #144 of 272 in New York. Its net worth ratio is 15.11% and its delinquency rate 1.88%.
How does The Heart Center compare to other credit unions?
The Heart Center scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (63.04% vs 59.80%). Its widest shortfall is delinquency rate (1.88% vs 1.15%).
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?
The Heart Center 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 Heart Center's net worth ratio of 15.11% 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.