Federal credit union · WHITE PLAINS, New York · NCUA charter #16790
Union Baptist Greenburgh
Health score 38/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 38
- Health / 100
- $360K
- Total assets
- 157
- Members
- 27.8%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)56
Weighted composite: 38/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 27.77% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 27.77% | 30% |
| Delinquency Rate | 17.90% | 25% |
| Return on Assets | -4.43% | 15% |
| Member Growth | -10.29% | 15% |
| Loan-to-Share Ratio | 26.59% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Union Baptist Greenburgh
Headquartered in WHITE PLAINS, New York, Union Baptist Greenburgh is a federal credit union with 157 members, $360K in total assets, and $69K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 38/100 (Weak), driven in part by a net worth ratio of 27.77% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #16790 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
Two more numbers round out the picture: a 17.90% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers - and a 26.59% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -4.43% on net income of $-15956 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 -10.29%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community/Select Employee Group) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
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 Union Baptist Greenburgh financially healthy?
A 27.77% 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. 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 27.77% 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.
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.