Credit Union Safety Analysis
Is Berea Federal Credit Union Safe? Brooklyn, New York
Based on its Q2 2026 NCUA 5300 call report, Berea Federal Credit Union has a net worth ratio of 12.96%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Berea Federal Credit Union's net worth ratio is 12.96%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.96%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): -2.34%
- Loan-to-share ratio (Q2 2026): 4.51%
Berea Federal Credit Union (NCUA charter 23888, established 1982) reported $97K in assets and 93 members for Q2 2026 from Brooklyn, New York. It ranks 266 of 267 credit unions in New York by total assets. Total assets grew 11.3% from $87K on June 30, 2025. It has 1 more member than on June 30, 2025 (+1.1%). Its net worth ratio was down 3.80 percentage points from 16.76% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $2K of $4K in total loans on its June 30, 2026 filing.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 13.62% for Q1 2026; 16.76% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.78% for Q1 2026; -2.02% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 7.12% for Q1 2026; 14.59% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $2K
- Other secured non-real estate loans and lines of credit: $2K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $97K | 12.96% | — | -2.34% | 4.51% |
| March 31, 2026 | $96K | 13.62% | — | 0.78% | 7.12% |
| December 31, 2025 | $92K | 13.99% | — | -3.87% | 6.76% |
| September 30, 2025 | $89K | 15.55% | — | -3.39% | 10.84% |
| June 30, 2025 | $87K | 16.76% | — | -2.02% | 14.59% |
| March 31, 2025 | $85K | 17.60% | — | 1.53% | 14.66% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Berea Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 23888) · FFIEC NIC profile (RSSD 1867732)
Frequently asked questions
Is Berea Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Berea Federal Credit Union's net worth ratio is 12.96%, above the 7% NCUA threshold for well capitalized.
Is Berea Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Berea Federal Credit Union is a federally insured credit union (NCUA charter 23888): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Berea Federal Credit Union's key safety ratios?
For Q2 2026, Berea Federal Credit Union reports net worth 12.96%, delinquency not reported, ROA -2.34%, loan-to-share 4.51%.
What happens to my money if Berea Federal Credit Union fails?
For Q2 2026, Berea Federal Credit Union held $84K in shares and deposits for 93 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.