Federal credit union · NORTH BALDWIN, New York · NCUA charter #15539
Town of Hempstead Employees
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $146.2M
- Total assets
- 9,657
- Members
- 7.7%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)81
- Asset quality (delinquency)95
- Earnings (ROA)69
- Member growth70
- Liquidity (loan-to-share)65
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
7.73% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.73% | 30% |
| Delinquency Rate | 0.63% | 25% |
| Return on Assets | 0.19% | 15% |
| Member Growth | 1.24% | 15% |
| Loan-to-Share Ratio | 41.63% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Town of Hempstead Employees
Town of Hempstead Employees is a federal credit union headquartered in NORTH BALDWIN, New York, serving 9,657 members with $146.2M in total assets and $55.8M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 79/100 (Very Good), anchored by a net worth ratio of 7.73% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #15539 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.63% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 41.63% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.19% on net income of $284K 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 1.24%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
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 Town of Hempstead Employees financially healthy?
A 7.73% 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. 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 7.73% 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.
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.