Federal credit union · Yonkers, New York · NCUA charter #2819
Yonkers Teachers
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $56.5M
- Total assets
- 2,602
- Members
- 15.1%
- Net-worth ratio
Yonkers Teachers scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $56.5M; members 2,602; net-worth ratio 15.14%; health rank #2,837 of 4,374; healthier than 33rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,837 of 4,374 health · 2025Q4Yonkers Teachers · health 79/100 · $56.5M · 2025Q4
- NCUSIF 79/100
- CAMELS 15.1%
- HEALTH 0.68%
- NW 0.30%
- DELQ $56.5M
- ROA 2,602
- ASSETS #2,837/4,374
- MEM Acme Continental
- RANK 2819
Call Report peers
Yonkers Teachers in the assets neighbourhood
Yonkers Teachers's $56.5M assets sit next to Acme Continental ($56.5M) 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.
Yonkers Teachers 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
79 33rd percentile higher than 33% 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
Yonkers Teachers - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #2819 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Yonkers Teachers
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +1.52 pp (15.14% vs 13.62%).
- Loan-to-Share Ratio trails the peer set - 6.08% here, 62.60% peer average (-56.52 pp).
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 Yonkers Teachers
- New York health ordinal: #159 of 272.
- Assets rank #121 of 272 inside New York ($56.5M reported).
- Member book place in New York: #153 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.
Yonkers Teachers: 2025Q4 → 2026Q1
Yonkers Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $56.5M (2025Q4) to $56.8M (2026Q1).
- Net-worth ratio shifted -0.06 pp (15.20% → 15.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 15.14% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.2 pts
- Return on Assets 12.0 pts
- Member Growth 7.1 pts
- Loan-to-Share Ratio 6.7 pts
Call Report ratios for Yonkers Teachers
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.14% | +1.52 pp |
| Delinquency Rate | 0.68% | -0.29 pp |
| Return on Assets | 0.30% | -0.36 pp |
| Member Growth | -1.06% | - |
| Loan-to-Share Ratio | 6.08% | -56.52 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).
Yonkers Teachers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $56.8M | - |
| 2025Q4 | $56.5M | 2,602 |
| 2024Q4 | $58.9M | 2,630 |
| 2023Q4 | $64.2M | 2,693 |
Credit Union Details
- Charter Number
- 2819
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $50M–$100M
- State
- New York
- City
- Yonkers
- Data Quarter
- 2025Q4
Branch Locations (3)
Yonkers Teachers operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Yonkers Teachers FCU (Main Office) | Yonkers, NY |
| Yonkers Teachers FCU | Mahopac, NY |
| Yonkers Teachers FCU | Yonkers, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Yonkers Teachers, 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 ($56.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Yonkers Teachers ranks #2,837 of 4,374 nationally on financial health and #159 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RT
- 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 Yonkers Teachers financially healthy?
Yes/no aside, the number is 79/100 (Very Good) - Yonkers Teachers's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,837 of 4,374; by total assets it ranks #2,310 of 4,374 nationally (same basis as /rankings/largest); and #121 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.14% net worth ratio and 0.68% delinquency rate are the key drivers.
How does Yonkers Teachers compare to other credit unions?
On PlainCU's health composite, Yonkers Teachers lands at 79/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Yonkers Teachers?
Yonkers Teachers is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Yonkers Teachers directly to confirm eligibility.
Is my money safe at Yonkers Teachers?
Federal credit unions like Yonkers Teachers 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. Yonkers Teachers's net worth ratio of 15.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Yonkers Teachers offer compared to banks?
Credit unions like Yonkers Teachers 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 Yonkers Teachers 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.