Credit Union Safety Analysis
Is Church of the Master Federal Credit Union Safe? New York, New York
Based on its Q2 2026 NCUA 5300 call report, Church of the Master Federal Credit Union has a net worth ratio of 60.90%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 15.95%, 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, Church of the Master Federal Credit Union's net worth ratio is 60.90%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 60.90%
- Delinquency ratio (60+ days) (Q2 2026): 15.95%
- Return on assets (Q2 2026): 4.70%
- Loan-to-share ratio (Q2 2026): 51.49%
Church of the Master Federal Credit Union (NCUA charter 5127, established 1944) reported $899K in assets and 233 members for Q2 2026 from New York, New York. It ranks 254 of 267 credit unions in New York by total assets. Total assets fell 5.0% from $946K on June 30, 2025. It has 38 fewer members than on June 30, 2025 (-14.0%). Its net worth ratio was up 11.76 percentage points from 49.14% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $180K of $180K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 15.95% 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: 52.44% for Q1 2026; 49.14% 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: 7.00% for Q1 2026; 0.52% 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: 1.71% for Q1 2026; -123.81% 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: 35.07% for Q1 2026; 40.17% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $180K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $899K | 60.90% | 15.95% | 4.70% | 51.49% |
| March 31, 2026 | $1.0M | 52.44% | 7.00% | 1.71% | 35.07% |
| December 31, 2025 | $997K | 51.86% | 2.32% | 9.43% | 35.31% |
| September 30, 2025 | $987K | 52.15% | 26.75% | 131.20% | 34.20% |
| June 30, 2025 | $946K | 49.14% | 0.52% | -123.81% | 40.17% |
| March 31, 2025 | $945K | 49.51% | — | 123.89% | 33.11% |
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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.
Church of the Master Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 5127) · FFIEC NIC profile (RSSD 900070)
Frequently asked questions
Is Church of the Master Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Church of the Master Federal Credit Union's net worth ratio is 60.90%, above the 7% NCUA threshold for well capitalized.
Is Church of the Master Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Church of the Master Federal Credit Union is a federally insured credit union (NCUA charter 5127): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Church of the Master Federal Credit Union's key safety ratios?
For Q2 2026, Church of the Master Federal Credit Union reports net worth 60.90%, delinquency 15.95%, ROA 4.70%, loan-to-share 51.49%.
What happens to my money if Church of the Master Federal Credit Union fails?
For Q2 2026, Church of the Master Federal Credit Union held $350K in shares and deposits for 233 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.