Federal credit union · New York, New York · NCUA charter #20060
Urban Empowerment
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $249K
- Total assets
- 70
- Members
- 11.3%
- Net-worth ratio
Urban Empowerment scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $249K; members 70; net-worth ratio 11.35%; health rank #3,998 of 4,374; healthier than 8th of scored peers.
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NCUA 5300 Call Report Masthead
#3,998 of 4,374 health · 2025Q4Urban Empowerment · health 62/100 · $249K · 2025Q4
Call Report peers
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Urban Empowerment vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Urban Empowerment sits in 60-64 with 179 others.
62 8th percentile higher than 8% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Urban Empowerment diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 4.48% (-4.48 pp).
- Loan-to-Share Ratio trails the peer set - 11.12% here, 52.70% peer average (-41.58 pp).
Where Urban Empowerment sits in New York
- Health composite ranks #237 of 272 among scored New York credit unions.
- By total assets, Urban Empowerment is #267 of 272 in New York.
- Membership ranks #271 of 272 among New York CUs with a reported count (70 members).
- One place up in New York, CANANDAIGUA (#236) ties at 62/100; one place down, Ever $ Green (#238) ties at 62/100.
How Urban Empowerment's 5300 filing moved
Urban Empowerment: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +49.6% from $249K (2025Q4) to $372K (2026Q1).
- Net-worth ratio shifted -8.54 pp (19.89% → 11.35%).
11.35% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 62/100 score is built
Urban Empowerment gives up 38 points in total. Return on Assets costs the most, 15 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 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.0 pts
Call Report ratios for Urban Empowerment
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.35% | -11.58 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | -2.81% | -3.03 pp |
| Member Growth | -7.89% | - |
| Loan-to-Share Ratio | 11.12% | -41.58 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $372K | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Urban Empowerment.
| Office | City |
|---|---|
| Urban Empowerment Federal Credit Union (Main Office) | New York, NY |
| The Finest Federal Credit Union | 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.
Urban Empowerment nationwide neighbourhoods
Using this data
- Urban Empowerment ranks #3,998 of 4,374 nationally on financial health and #237 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Greater Centennial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Greater Centennial
Frequently Asked Questions
Is Urban Empowerment financially healthy?
Urban Empowerment has a financial health score of 62/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,998 of 4,374 nationally on health and #237 of 272 in New York. Its net worth ratio is 11.35% and its delinquency rate 0.00%.
How does Urban Empowerment compare to other credit unions?
Urban Empowerment scores 62/100, higher than 8% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (0.00% vs 4.48%). Its widest shortfall is loan-to-share ratio (11.12% vs 52.70%).
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?
Urban Empowerment 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. Urban Empowerment's net worth ratio of 11.35% 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.