Bykota Federal Credit Union Brooklyn, New York
Bykota Federal Credit Union is a federal credit union headquartered in Brooklyn, NY, established in 1970 (NCUA charter 20419), and it is regulated and insured by the NCUA. At Q2 2026 it reported 902 members and total assets of $1.6M (down 1.9% from Q2 2025), the 241st largest of 267 credit unions headquartered in New York. Its net worth ratio was 6.12% at Q2 2026, in the adequately capitalized band.
Also written as Bykota FCU
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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
- 20419
- Headquarters
- Brooklyn, NY
- Established
- 1970
- Total assets, Q2 2026
- $1.6M
- Assets vs Q2 2025
- -1.9%
- Members, Q2 2026
- 902
- Net worth ratio, Q2 2026
- 6.12%
- Latest call report
- Q2 2026, NCUA 5300 · Bykota Federal Credit Union call report
- Asset rank in state
- 241st of 267 in New York
- Routing number
- 226074234
- Branches
- 1
It has 16 fewer members than on June 30, 2025 (-1.7%). Its net worth ratio was up 0.93 percentage points from 5.19% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $63K of $63K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 33.30% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 6.12% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in New York
Frequently asked about Bykota Federal Credit Union
How big is Bykota Federal Credit Union?
At Q2 2026 it reported total assets of $1.6M and 902 members.
Where is Bykota Federal Credit Union headquartered?
It is headquartered in Brooklyn, NY, United States.
When was Bykota Federal Credit Union founded?
It was established in 1970, per NCUA records.
Is Bykota Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 20419): 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 Bykota Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Bykota Federal Credit Union well capitalized?
Its net worth ratio was 6.12% at Q2 2026, in the adequately capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Bykota Federal Credit Union's delinquency ratio?
Its delinquency ratio was 33.30% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Bykota Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 4.27% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Brooklyn, NY 11238
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1970
- NCUA Charter #
- 20419
- RSSD ID
- 13587
- Members
- 902
- Potential members
- 3,000
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 2 of 4 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 6.12% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 5.73% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 93.67% | 4.74% | over 90th 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% | 33.30% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 2.99% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 4.27% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.6M total assets against $1.6M; $1.5M total shares and deposits against $1.5M; $63K total loans against $188K.
$97K net worth against $84K.
6.12% net worth ratio against 5.19%.
4.27% loan-to-share ratio against 12.33%.
33.30% delinquency ratio against 37.70%.
5.73% return on assets against -0.11%; 93.67% return on equity against -2.17%.
902 members against 918.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 6.12% | 5.73% | 33.30% | 4.27% |
| March 31, 2026 | 4.71% | -1.62% | 26.06% | 4.72% |
| December 31, 2025 | 5.13% | 0.03% | 26.70% | 6.82% |
| September 30, 2025 | 5.10% | -0.85% | 36.07% | 9.34% |
| June 30, 2025 | 5.19% | -0.11% | 37.70% | 12.33% |
| March 31, 2025 | 5.20% | -0.28% | 36.56% | 14.43% |
Scroll sideways to see every column.
Watch flags
The net worth ratio is between 6% and 7%, adequately capitalized but below the 7% level NCUA considers well capitalized. Worth monitoring, not yet a PCA trigger. NCUA well-capitalized threshold, 12 CFR 702.102.
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.