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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,998 of 4,374 health · 2025Q4Urban Empowerment · health 62/100 · $249K · 2025Q4
- BOOK 62/100
- CHARTER 11.3%
- NCUSIF 0.00%
- CAMELS -2.81%
- HEALTH $249K
- NW 70
- DELQ #3,998/4,374
- ROA n/a
- ASSETS 20060
Call Report peers
Urban Empowerment carries $249K 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.
Urban Empowerment 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
62 8th percentile higher than 8% 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
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.
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).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Urban Empowerment's 5300 filing moved
Urban Empowerment: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +49.6% from $249K (2025Q4) to $372K (2026Q1).
- Net-worth ratio shifted -8.54 pp (19.89% → 11.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 62.
- 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 |
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).
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
Cross-state asset and health neighbours for Urban Empowerment - kept outside New York; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (62/100 here).
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
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,998 of 4,374; by total assets it ranks #4,339 of 4,374 nationally (same basis as /rankings/largest); and #267 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.35% 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 11.35% 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.
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.