B.S. and C.P. Hospitals Empl Federal Credit Union Bronx, New York
B.S. and C.P. Hospitals Empl Federal Credit Union is a federal credit union headquartered in Bronx, NY, established in 1971 (NCUA charter 20585), and it is regulated and insured by the NCUA. At Q2 2026 it reported 524 members and total assets of $1.0M (down 8.0% from Q2 2025), the 249th largest of 267 credit unions headquartered in New York. Its net worth ratio was 34.20% at Q2 2026, in the well capitalized band.
Also written as BS and CP Hospitals Empl FCU
BankRegReports is independent of B.S. and C.P. Hospitals Empl Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 20585
- Headquarters
- Bronx, NY
- Established
- 1971
- Total assets, Q2 2026
- $1.0M
- Assets vs Q2 2025
- -8.0%
- Members, Q2 2026
- 524
- Net worth ratio, Q2 2026
- 34.20%
- Latest call report
- Q2 2026, NCUA 5300 · B.S. and C.P. Hospitals Empl Federal Credit Union call report
- Asset rank in state
- 249th of 267 in New York
- Routing number
- 226073918
- Branches
- 2
It has 4 fewer members than on June 30, 2025 (-0.8%). Its net worth ratio was up 2.50 percentage points from 31.70% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $897K of $897K in total loans on its June 30, 2026 filing.
Credit unions similar in size in New York
Frequently asked about B.S. and C.P. Hospitals Empl Federal Credit Union
How big is B.S. and C.P. Hospitals Empl Federal Credit Union?
At Q2 2026 it reported total assets of $1.0M and 524 members.
Where is B.S. and C.P. Hospitals Empl Federal Credit Union headquartered?
It is headquartered in Bronx, NY, United States.
When was B.S. and C.P. Hospitals Empl Federal Credit Union founded?
It was established in 1971, per NCUA records.
Is B.S. and C.P. Hospitals Empl Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 20585): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates B.S. and C.P. Hospitals Empl Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is B.S. and C.P. Hospitals Empl Federal Credit Union well capitalized?
Its net worth ratio was 34.20% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is B.S. and C.P. Hospitals Empl Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 134.62% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Bronx, NY 10461
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1971
- NCUA Charter #
- 20585
- RSSD ID
- 40480
- Members
- 524
- Potential members
- 600
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 3 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 34.20% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 3.53% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 10.31% | 4.74% | 82nd top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | not on file | 3.93% | not on file |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | not on file | 0.78% | not on file |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 7.44% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 134.62% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.0M total assets against $1.1M; $667K total shares and deposits against $753K; $897K total loans against $920K.
$347K net worth against $349K.
34.20% net worth ratio against 31.70%.
134.62% loan-to-share ratio against 122.25%.
3.53% return on assets against 2.32%; 10.31% return on equity against 7.32%.
524 members against 528.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 34.20% | 3.53% | — | 134.62% |
| March 31, 2026 | 33.80% | 1.53% | — | 143.61% |
| December 31, 2025 | 33.04% | -7.20% | — | 133.15% |
| September 30, 2025 | 33.99% | 1.03% | — | 141.30% |
| June 30, 2025 | 31.70% | 2.32% | — | 122.25% |
| March 31, 2025 | 34.90% | 4.15% | — | 140.84% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.