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
- RANK 73/100
- PHOTO 11.9%
- BOOK 0.94%
- CHARTER 0.39%
- NCUSIF $54.1M
- CAMELS 1,967
- HEALTH #3,409/4,374
- NW Galesburg Burlington
- DELQ 1125
Call Report peers
Van Cortlandt Cooperative in the assets neighbourhood
Van Cortlandt Cooperative's $54.1M assets sit next to Galesburg Burlington ($54.1M) 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.
Van Cortlandt Cooperative 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
73 21st percentile higher than 21% 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
Van Cortlandt Cooperative - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #1125 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Van Cortlandt Cooperative Call Report trajectory
Van Cortlandt Cooperative: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $54.1M (2025Q4) to $54.9M (2026Q1).
- Net-worth ratio shifted -0.04 pp (11.91% → 11.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Two NCUA Call Report peer sets for Van Cortlandt Cooperative, 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 ($54.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
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
- 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 Van Cortlandt Cooperative financially healthy?
A 11.87% net worth ratio and a 0.94% delinquency rate feed into Van Cortlandt Cooperative's financial health score of 73/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,409 of 4,374; by total assets it ranks #2,342 of 4,374 nationally (same basis as /rankings/largest); and #124 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Van Cortlandt Cooperative compare to other credit unions?
PlainCU's health composite puts Van Cortlandt Cooperative at 73/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Van Cortlandt Cooperative 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. Van Cortlandt Cooperative's net worth ratio of 11.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Van Cortlandt Cooperative offer compared to banks?
Credit unions like Van Cortlandt Cooperative 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 Van Cortlandt Cooperative 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.