Credit Union Safety Analysis
Is Brooklyn Cooperative Federal Credit Union Safe? Brooklyn, New York
Based on its Q2 2026 NCUA 5300 call report, Brooklyn Cooperative Federal Credit Union has a net worth ratio of 10.02%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 4.01%, 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, Brooklyn Cooperative Federal Credit Union's net worth ratio is 10.02%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.02%
- Delinquency ratio (60+ days) (Q2 2026): 4.01%
- Return on assets (Q2 2026): -0.07%
- Loan-to-share ratio (Q2 2026): 82.35%
Brooklyn Cooperative Federal Credit Union (NCUA charter 24642, established 2000) reported $55.9M in assets and 6,393 members for Q2 2026 from Brooklyn, New York. It ranks 123 of 267 credit unions in New York by total assets. Total assets grew 1.6% from $55.0M on June 30, 2025. It has 904 fewer members than on June 30, 2025 (-12.4%). Its net worth ratio was down 0.05 percentage points from 10.07% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $24.7M of $40.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 4.01% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
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: 9.80% for Q1 2026; 10.07% 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%.
Earlier filings: 1.94% for Q1 2026; 0.69% for Q2 2025.
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: 0.07% for Q1 2026; 0.02% 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: 80.84% for Q1 2026; 88.72% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $24.7M
- Commercial loans: $6.9M
- Other secured non-real estate loans and lines of credit: $5.5M
- Other unsecured loans and lines of credit: $3.2M
- Unsecured credit card loans: $259K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $55.9M | 10.02% | 4.01% | -0.07% | 82.35% |
| March 31, 2026 | $57.2M | 9.80% | 1.94% | 0.07% | 80.84% |
| December 31, 2025 | $54.9M | 10.21% | 2.40% | -0.26% | 86.34% |
| September 30, 2025 | $55.3M | 10.19% | 2.05% | 0.69% | 87.36% |
| June 30, 2025 | $55.0M | 10.07% | 0.69% | 0.02% | 88.72% |
| March 31, 2025 | $54.3M | 10.20% | 0.35% | 0.26% | 84.95% |
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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.
Brooklyn Cooperative Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24642) · FFIEC NIC profile (RSSD 2979212)
Frequently asked questions
Is Brooklyn Cooperative Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Brooklyn Cooperative Federal Credit Union's net worth ratio is 10.02%, above the 7% NCUA threshold for well capitalized.
Is Brooklyn Cooperative Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Brooklyn Cooperative Federal Credit Union is a federally insured credit union (NCUA charter 24642): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Brooklyn Cooperative Federal Credit Union's key safety ratios?
For Q2 2026, Brooklyn Cooperative Federal Credit Union reports net worth 10.02%, delinquency 4.01%, ROA -0.07%, loan-to-share 82.35%.
What happens to my money if Brooklyn Cooperative Federal Credit Union fails?
For Q2 2026, Brooklyn Cooperative Federal Credit Union held $49.3M in shares and deposits for 6,393 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.