Federal credit union · WHITE PLAINS, New York · NCUA charter #16790
Union Baptist Greenburgh
Health score 38/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 38
- Health / 100
- $360K
- Total assets
- 157
- Members
- 29.4%
- Net-worth ratio
Union Baptist Greenburgh scores 38/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $360K; members 157; net-worth ratio 29.45%; health rank #4,347 of 4,374; healthier than 1st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,347 of 4,374 health · 2025Q4Union Baptist Greenburgh · health 38/100 · $360K · 2025Q4
- DELQ 38/100
- ROA 29.4%
- ASSETS 17.90%
- MEM -4.43%
- RANK $360K
- PHOTO 157
- BOOK #4,347/4,374
- CHARTER n/a
- NCUSIF 16790
Call Report peers
Union Baptist Greenburgh carries $360K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Union Baptist Greenburgh 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
38 1st percentile higher than 1% 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
Union Baptist Greenburgh - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #16790: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Union Baptist Greenburgh: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 29.45% vs peer 22.93% (+6.52 pp).
- Largest lag: Loan-to-Share Ratio at 26.59% vs peer 52.70% (-26.11 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Union Baptist Greenburgh
- Health composite ranks #270 of 272 among scored New York credit unions.
- By total assets, Union Baptist Greenburgh is #265 of 272 in New York.
- Member book place in New York: #261 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.
Union Baptist Greenburgh: 2025Q4 → 2026Q1
Union Baptist Greenburgh: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -8.8% from $360K (2025Q4) to $328K (2026Q1).
- Net-worth ratio shifted +1.68 pp (27.77% → 29.45%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 29.45% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 38/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 38.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.0 pts
Union Baptist Greenburgh vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 29.45% | +6.52 pp |
| Delinquency Rate | 17.90% | +13.42 pp |
| Return on Assets | -4.43% | -4.65 pp |
| Member Growth | -10.29% | - |
| Loan-to-Share Ratio | 26.59% | -26.11 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Union Baptist Greenburgh filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $328K | - |
| 2025Q4 | $360K | 157 |
| 2024Q4 | $387K | 175 |
| 2023Q4 | $476K | 201 |
Credit Union Details
- Charter Number
- 16790
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- Under $2M
- State
- New York
- City
- WHITE PLAINS
- Data Quarter
- 2025Q4
Branch Locations (3)
Union Baptist Greenburgh operates 3 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Union baptist Greenburgh FCU (Main Office) | White Plains, NY |
| FISERV | frisco, TX |
| Union Baptist Greenburgh | White Plains, 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.
Nationwide credit unions with similar profiles
Union Baptist Greenburgh's nationwide photo peers by assets and by health score, excluding New York charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (38/100 here).
Using this data
- Union Baptist Greenburgh ranks #4,347 of 4,374 nationally on financial health and #270 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Spc Brooklyn is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Spc Brooklyn
- 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 Union Baptist Greenburgh financially healthy?
A 29.45% net worth ratio and a 17.90% delinquency rate feed into Union Baptist Greenburgh's financial health score of 38/100 (Weak), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,347 of 4,374; by total assets it ranks #4,324 of 4,374 nationally (same basis as /rankings/largest); and #265 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Union Baptist Greenburgh compare to other credit unions?
38/100 is Union Baptist Greenburgh's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Union Baptist Greenburgh?
Union Baptist Greenburgh 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 Union Baptist Greenburgh directly for the exact boundaries and application steps.
Is my money safe at Union Baptist Greenburgh?
Federal credit unions like Union Baptist Greenburgh 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. Union Baptist Greenburgh's net worth ratio of 29.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Union Baptist Greenburgh offer compared to banks?
Credit unions like Union Baptist Greenburgh 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 Union Baptist Greenburgh 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.