Federal credit union · TROY, New York · NCUA charter #15928
TROY
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $3.7M
- Total assets
- 523
- Members
- 16.0%
- Net-worth ratio
TROY scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.7M; members 523; net-worth ratio 15.99%; health rank #333 of 4,374; healthier than 90th of scored peers.
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NCUA 5300 Call Report Masthead
#333 of 4,374 health · 2025Q4TROY · health 95/100 · $3.7M · 2025Q4
Call Report peers
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TROY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TROY sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where TROY diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.81 pp (0.00% vs 1.81%).
- Net Worth Ratio trails the peer set - 15.99% here, 19.06% peer average (-3.07 pp).
TROY in New York
- Health composite ranks #20 of 272 among scored New York credit unions.
- Assets rank #234 of 272 inside New York ($3.7M reported).
- Member book place in New York: #237 of 272.
- One place up in New York, FIDELIS (#19) ties at 95/100; one place down, UFIRST (#21) ties at 95/100.
Quarter path for TROY
TROY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $3.7M (2025Q4) to $3.7M (2026Q1).
- Net-worth ratio shifted -0.03 pp (16.02% → 15.99%).
At 15.99%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
TROY gives up 5 points in total. Member Growth costs the most, 2.5 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.0 pts
- Member Growth 12.5 pts
- Loan-to-Share Ratio 13.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.99% | -3.07 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.43% | -0.02 pp |
| Member Growth | 2.95% | - |
| Loan-to-Share Ratio | 63.31% | -0.29 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - TROY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.7M | - |
| 2025Q4 | $3.7M | 523 |
| 2024Q4 | $3.3M | 508 |
| 2023Q4 | $3.2M | 523 |
Credit Union Details
- Charter Number
- 15928
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- New York
- City
- TROY
- Data Quarter
- 2025Q4
Branch Location
TROY operates a single office in TROY, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| TROY FEDERAL CREDIT UNION (Main Office) | TROY, 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.
Other-state peers near TROY
Similar health score
Using this data
- TROY ranks #333 of 4,374 nationally on financial health and #20 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Empirt 207 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Empirt 207
Frequently Asked Questions
Is TROY financially healthy?
TROY has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #333 of 4,374 nationally on health and #20 of 272 in New York. Its net worth ratio is 15.99% and its delinquency rate 0.00%.
How does TROY compare to other credit unions?
TROY scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.00% vs 1.81%). Its widest shortfall is net worth ratio (15.99% vs 19.06%).
How can I join TROY?
TROY 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 TROY directly for the current list of qualifying groups.
Is my money safe at TROY?
TROY 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. TROY's net worth ratio of 15.99% 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.