Credit Union Safety Analysis
Is B.S. and C.P. Hospitals Empl Federal Credit Union Safe? Bronx, New York
Based on its Q2 2026 NCUA 5300 call report, B.S. and C.P. Hospitals Empl Federal Credit Union has a net worth ratio of 34.20%, 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, B.S. and C.P. Hospitals Empl Federal Credit Union's net worth ratio is 34.20%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 34.20%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 3.53%
- Loan-to-share ratio (Q2 2026): 134.62%
B.S. and C.P. Hospitals Empl Federal Credit Union (NCUA charter 20585, established 1971) reported $1.0M in assets and 524 members for Q2 2026 from Bronx, New York. It ranks 249 of 267 credit unions in New York by total assets. Total assets fell 8.0% from $1.1M on June 30, 2025. 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.
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: 33.80% for Q1 2026; 31.70% 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: 1.53% for Q1 2026; 2.32% 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: 143.61% for Q1 2026; 122.25% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $897K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.0M | 34.20% | — | 3.53% | 134.62% |
| March 31, 2026 | $999K | 33.80% | — | 1.53% | 143.61% |
| December 31, 2025 | $1.0M | 33.04% | — | -7.20% | 133.15% |
| September 30, 2025 | $1.0M | 33.99% | — | 1.03% | 141.30% |
| June 30, 2025 | $1.1M | 31.70% | — | 2.32% | 122.25% |
| March 31, 2025 | $983K | 34.90% | — | 4.15% | 140.84% |
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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.
B.S. and C.P. Hospitals Empl Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 20585) · FFIEC NIC profile (RSSD 40480)
Frequently asked questions
Is B.S. and C.P. Hospitals Empl Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, B.S. and C.P. Hospitals Empl Federal Credit Union's net worth ratio is 34.20%, above the 7% NCUA threshold for well capitalized.
Is B.S. and C.P. Hospitals Empl Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. B.S. and C.P. Hospitals Empl Federal Credit Union is a federally insured credit union (NCUA charter 20585): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are B.S. and C.P. Hospitals Empl Federal Credit Union's key safety ratios?
For Q2 2026, B.S. and C.P. Hospitals Empl Federal Credit Union reports net worth 34.20%, delinquency not reported, ROA 3.53%, loan-to-share 134.62%.
What happens to my money if B.S. and C.P. Hospitals Empl Federal Credit Union fails?
For Q2 2026, B.S. and C.P. Hospitals Empl Federal Credit Union held $667K in shares and deposits for 524 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.