Federal credit union · BROOKLYN, New York · NCUA charter #15067
Transfiguration Parish
Health score 43/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 43
- Health / 100
- $13.0M
- Total assets
- 2,184
- Members
- 3.8%
- Net-worth ratio
Transfiguration Parish - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #15067: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Transfiguration Parish - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)32
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth60
- Liquidity (loan-to-share)64
Weighted composite: 43/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
3.78% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 3.78% | 30% |
| Delinquency Rate | 5.48% | 25% |
| Return on Assets | 2.62% | 15% |
| Member Growth | 0.00% | 15% |
| Loan-to-Share Ratio | 39.40% | 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 | $13.0M | 2,184 |
| 2024Q4 | $13.3M | 2,184 |
| 2023Q4 | $14.1M | 2,192 |
Credit Union Details
- Charter Number
- 15067
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- BROOKLYN
- Data Quarter
- 2025Q4
What This Data Says About Transfiguration Parish
Charter #15067, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Transfiguration Parish, a federal credit union in BROOKLYN, New York with 2,184 members, $13.0M in total assets, and $4.8M in outstanding loans as of Q4 2025. The five-factor composite scores it 43/100 (Below Average), helped by a net worth ratio of 3.78% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 5.48% 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 39.40% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 2.62% on net income of $340K 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 0.00%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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 Transfiguration Parish financially healthy?
Yes/no aside, the number is 43/100 (Below Average) - Transfiguration Parish's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 3.78% net worth ratio and 5.48% delinquency rate are the key drivers.
How does Transfiguration Parish compare to other credit unions?
Transfiguration Parish scores 43/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Transfiguration Parish?
Transfiguration Parish 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 Transfiguration Parish directly for the exact boundaries and application steps.
Is my money safe at Transfiguration Parish?
Federal credit unions like Transfiguration Parish 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. Transfiguration Parish's net worth ratio of 3.78% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Transfiguration Parish offer compared to banks?
Credit unions like Transfiguration Parish 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 Transfiguration Parish 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.