Federal credit union · BRONX, New York · NCUA charter #1125
Van Cortlandt Cooperative
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $54.1M
- Total assets
- 1,967
- Members
- 11.9%
- Net-worth ratio
Van Cortlandt Cooperative scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $54.1M; members 1,967; net-worth ratio 11.87%; health rank #3,409 of 4,374; healthier than 21st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,409 of 4,374 health · 2025Q4Van Cortlandt Cooperative · health 73/100 · $54.1M · 2025Q4
Call Report peers
Van Cortlandt Cooperative in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Van Cortlandt Cooperative vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Van Cortlandt Cooperative sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Van Cortlandt Cooperative: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.02 pp (0.94% vs 0.96%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -33.63 pp (28.97% vs 62.60%).
New York standing for Van Cortlandt Cooperative
- In New York, health place is #196 of 272 on the same NCUA-ratio sort used nationally.
- Assets rank #124 of 272 inside New York ($54.1M reported).
- Member book place in New York: #177 of 272.
- One place up in New York, Mount Vernon Ny Postal Employees (#195) ties at 73/100; one place down, Heritage Financial (#197) ties at 73/100.
Van Cortlandt Cooperative Call Report trajectory
Van Cortlandt Cooperative: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $54.1M (2025Q4) to $54.9M (2026Q1).
- Net-worth ratio shifted -0.04 pp (11.91% → 11.87%).
This credit union's 11.87% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 73/100 score is built
Van Cortlandt Cooperative gives up 27 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.6 pts
- Return on Assets 13.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.1 pts
Call Report ratios for Van Cortlandt Cooperative
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.87% | -1.75 pp |
| Delinquency Rate | 0.94% | -0.02 pp |
| Return on Assets | 0.39% | -0.27 pp |
| Member Growth | -7.35% | - |
| Loan-to-Share Ratio | 28.97% | -33.63 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Van Cortlandt Cooperative filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $54.9M | - |
| 2025Q4 | $54.1M | 1,967 |
| 2024Q4 | $55.2M | 2,123 |
| 2023Q4 | $56.0M | 2,274 |
Credit Union Details
- Charter Number
- 1125
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- BRONX
- Data Quarter
- 2025Q4
Branch Location
Van Cortlandt Cooperative operates a single office in Bronx, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| VCCFCU (Main Office) | Bronx, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- Van Cortlandt Cooperative ranks #3,409 of 4,374 nationally on financial health and #196 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Brooklyn Cooperative is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Brooklyn Cooperative
Frequently Asked Questions
Is Van Cortlandt Cooperative financially healthy?
On its 2025Q4 NCUA 5300 filing, Van Cortlandt Cooperative scores 73/100 (Very Good), with a 11.87% net worth ratio and 0.94% of loans delinquent. It ranks #3,409 of 4,374 nationally on health and #196 of 272 in New York.
How does Van Cortlandt Cooperative compare to other credit unions?
Van Cortlandt Cooperative scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.94% vs 0.96%). Its widest shortfall is loan-to-share ratio (28.97% vs 62.60%).
How can I join Van Cortlandt Cooperative?
Van Cortlandt Cooperative 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 Van Cortlandt Cooperative directly for the exact boundaries and application steps.
Is my money safe at Van Cortlandt Cooperative?
Van Cortlandt Cooperative 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. Van Cortlandt Cooperative's net worth ratio of 11.87% 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.