Federal credit union · New York, New York · NCUA charter #20060
Urban Empowerment
Health score 62/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $249K
- Total assets
- 70
- Members
- 16.9%
- Net-worth ratio
Urban Empowerment - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #20060: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Urban Empowerment - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)47
Weighted composite: 62/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
16.92% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.92% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | -2.81% | 15% |
| Member Growth | -7.89% | 15% |
| Loan-to-Share Ratio | 11.12% | 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 | $249K | 70 |
| 2024Q4 | $282K | 76 |
| 2023Q4 | $325K | 75 |
Credit Union Details
- Charter Number
- 20060
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Under $2M
- State
- New York
- City
- New York
- Data Quarter
- 2025Q4
What This Data Says About Urban Empowerment
Headquartered in New York, New York, Urban Empowerment is a federal credit union with 70 members, $249K in total assets, and $19K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 62/100 (Good), driven in part by a net worth ratio of 16.92% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #20060 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Deposit deployment is captured by the 11.12% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -2.81% on net income of $-6988 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 -7.89%. 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: Other/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 Urban Empowerment financially healthy?
Urban Empowerment has a financial health score of 62/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 16.92% and delinquency rate of 0.00%.
How does Urban Empowerment compare to other credit unions?
Urban Empowerment scores 62/100 on PlainCU's health composite, compared to a peer group average for Under $2M 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 Urban Empowerment?
Urban Empowerment 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 Urban Empowerment directly for the exact boundaries and application steps.
Is my money safe at Urban Empowerment?
Federal credit unions like Urban Empowerment 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. Urban Empowerment's net worth ratio of 16.92% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Urban Empowerment offer compared to banks?
Credit unions like Urban Empowerment 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 Urban Empowerment 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.