Federal credit union · NORTH BALDWIN, New York · NCUA charter #15539
Town of Hempstead Employees
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $146.2M
- Total assets
- 9,657
- Members
- 8.0%
- Net-worth ratio
Town of Hempstead Employees scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $146.2M; members 9,657; net-worth ratio 8.01%; health rank #2,905 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,905 of 4,374 health · 2025Q4Town of Hempstead Employees · health 79/100 · $146.2M · 2025Q4
- DELQ 79/100
- ROA 8.0%
- ASSETS 0.63%
- MEM 0.19%
- RANK $146.2M
- PHOTO 9,657
- BOOK #2,905/4,374
- CHARTER Community First
- NCUSIF 15539
Call Report peers
Town of Hempstead Employees in the assets neighbourhood
Town of Hempstead Employees's $146.2M assets sit next to Community First ($146.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Town of Hempstead Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
79 33rd percentile higher than 33% 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
Town of Hempstead Employees - Share Insurance Coverage
Charter #15539'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.
Town of Hempstead Employees: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.27 pp (0.63% vs 0.89%).
- Loan-to-Share Ratio trails the peer set - 41.63% here, 72.20% peer average (-30.57 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Town of Hempstead Employees
- In New York, health place is #163 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, Town of Hempstead Employees is #73 of 272 in New York.
- Member book place in New York: #73 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Town of Hempstead Employees Call Report trajectory
Town of Hempstead Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $146.2M (2025Q4) to $149.1M (2026Q1).
- Net-worth ratio shifted +0.16 pp (7.85% → 8.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.01% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 25.0 pts
- Delinquency Rate 23.7 pts
- Return on Assets 10.4 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 9.4 pts
Call Report ratios for Town of Hempstead Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.01% | -4.10 pp |
| Delinquency Rate | 0.63% | -0.27 pp |
| Return on Assets | 0.19% | -0.43 pp |
| Member Growth | 1.24% | - |
| Loan-to-Share Ratio | 41.63% | -30.57 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Town of Hempstead Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $149.1M | - |
| 2025Q4 | $146.2M | 9,657 |
| 2024Q4 | $146.8M | 9,539 |
| 2023Q4 | $146.6M | 9,374 |
Credit Union Details
- Charter Number
- 15539
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- New York
- City
- NORTH BALDWIN
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Town of Hempstead Employees runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | North Baldwin, NY |
| Town Hall Branch | Hempstead, 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.
Town of Hempstead Employees nationwide neighbourhoods
Cross-state asset and health neighbours for Town of Hempstead Employees - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($146.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Town of Hempstead Employees ranks #2,905 of 4,374 nationally on financial health and #163 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Oswego County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Oswego County
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Town of Hempstead Employees financially healthy?
A 8.01% net worth ratio and a 0.63% delinquency rate feed into Town of Hempstead Employees's financial health score of 79/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,905 of 4,374; by total assets it ranks #1,507 of 4,374 nationally (same basis as /rankings/largest); and #73 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Town of Hempstead Employees compare to other credit unions?
PlainCU's health composite puts Town of Hempstead Employees at 79/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Town of Hempstead Employees?
Town of Hempstead Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Town of Hempstead Employees directly for the current list of qualifying groups.
Is my money safe at Town of Hempstead Employees?
Federal credit unions like Town of Hempstead Employees 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. Town of Hempstead Employees's net worth ratio of 8.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Town of Hempstead Employees offer compared to banks?
Credit unions like Town of Hempstead Employees 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 Town of Hempstead Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.