Federal credit union · LONG ISLAND CIT, New York · NCUA charter #5588
United Nations
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $10.28B
- Total assets
- 260,844
- Members
- 9.6%
- Net-worth ratio
United Nations scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.28B; members 260,844; net-worth ratio 9.58%; health rank #129 of 4,374; healthier than 97th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#129 of 4,374 health · 2025Q4United Nations · health 98/100 · $10.28B · 2025Q4
- ROA 98/100
- ASSETS 9.6%
- MEM 0.25%
- RANK 0.92%
- PHOTO $10.28B
- BOOK 260,844
- CHARTER #129/4,374
- NCUSIF Police & Fire
- CAMELS 5588
Call Report peers
United Nations in the assets neighbourhood
United Nations's $10.28B assets sit next to Police & Fire ($9.99B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
United Nations 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
98 Top 3% higher than 97% 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
United Nations - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #5588, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for United Nations
- Delinquency Rate leads the peer set - 0.25% here, 0.87% peer average (-0.63 pp).
- Loan-to-Share Ratio trails the peer set - 67.70% here, 83.90% peer average (-16.20 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
United Nations in New York
- New York health ordinal: #8 of 272.
- By total assets, United Nations is #2 of 272 in New York.
- New York membership ordinal: #8 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.
Quarter path for United Nations
United Nations: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $10.28B (2025Q4) to $10.48B (2026Q1).
- Net-worth ratio shifted +0.11 pp (9.47% → 9.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.58% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 29.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.0 pts
United Nations health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.58% | -1.60 pp |
| Delinquency Rate | 0.25% | -0.63 pp |
| Return on Assets | 0.92% | +0.41 pp |
| Member Growth | 5.19% | - |
| Loan-to-Share Ratio | 67.70% | -16.20 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - United Nations
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.48B | - |
| 2025Q4 | $10.28B | 260,844 |
| 2024Q4 | $9.72B | 247,978 |
| 2023Q4 | $8.91B | 227,049 |
Credit Union Details
- Charter Number
- 5588
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- New York
- City
- LONG ISLAND CIT
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for United Nations, spread across 2 cities.
| Office | City |
|---|---|
| UNFCU Headquarters (Main Office) | Long Island City, NY |
| UN Plaza Branch | New York, NY |
| UN General Assembly Building | New York, 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 United Nations
Two NCUA Call Report peer sets for United Nations, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($10.28B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- United Nations ranks #129 of 4,374 nationally on financial health and #8 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TEACHERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TEACHERS
- 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 United Nations financially healthy?
A 9.58% net worth ratio and a 0.25% delinquency rate feed into United Nations's financial health score of 98/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #129 of 4,374; by total assets it ranks #21 of 4,374 nationally (same basis as /rankings/largest); and #2 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does United Nations compare to other credit unions?
98/100 is United Nations's score on PlainCU's health composite, compared to a peer group average for Over $500M 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 United Nations?
United Nations 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 United Nations directly for the current list of qualifying groups.
Is my money safe at United Nations?
Federal credit unions like United Nations 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. United Nations's net worth ratio of 9.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does United Nations offer compared to banks?
Credit unions like United Nations 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 United Nations 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.