Federal credit union · Yonkers, New York · NCUA charter #2819
Yonkers Teachers
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $56.5M
- Total assets
- 2,602
- Members
- 15.2%
- Net-worth ratio
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.
Yonkers Teachers - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)93
- Earnings (ROA)80
- Member growth47
- Liquidity (loan-to-share)44
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 15.20% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.20% | 30% |
| Delinquency Rate | 0.68% | 25% |
| Return on Assets | 0.30% | 15% |
| Member Growth | -1.06% | 15% |
| Loan-to-Share Ratio | 6.08% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Yonkers Teachers
2,602 members and $56.5M in total assets sit behind Yonkers Teachers, a federal credit union in Yonkers, New York, which posts a health score of 79/100 (Very Good) on the five-factor composite, with $2.9M in outstanding loans as of Q4 2025 and a net worth ratio of 15.20% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #2819 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
On loan book quality: 0.68% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Meanwhile a 6.08% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.30% on net income of $171K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.06%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Single Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.20% 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 15.20% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.