Division 726 Federal Credit Union Staten Island, New York
Division 726 Federal Credit Union is a federal credit union headquartered in Staten Island, NY, established in 1970 (NCUA charter 20336), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,495 members and total assets of $8.7M (down 5.9% from Q2 2025), the 212th largest of 267 credit unions headquartered in New York. Its net worth ratio was 14.83% at Q2 2026, in the well capitalized band.
Also written as Division 726 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
- 20336
- Headquarters
- Staten Island, NY
- Established
- 1970
- Total assets, Q2 2026
- $8.7M
- Assets vs Q2 2025
- -5.9%
- Members, Q2 2026
- 2,495
- Net worth ratio, Q2 2026
- 14.83%
- Latest call report
- Q2 2026, NCUA 5300 · Division 726 Federal Credit Union call report
- Asset rank in state
- 212th of 267 in New York
- Routing number
- 226079967
- Branches
- 1
It has 24 more members than on June 30, 2025 (+1.0%). Its net worth ratio was down 2.59 percentage points from 17.42% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $1.4M of $4.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 7.22% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 14.83% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in New York
Frequently asked about Division 726 Federal Credit Union
How big is Division 726 Federal Credit Union?
At Q2 2026 it reported total assets of $8.7M and 2,495 members.
Where is Division 726 Federal Credit Union headquartered?
It is headquartered in Staten Island, NY, United States.
When was Division 726 Federal Credit Union founded?
It was established in 1970, per NCUA records.
Is Division 726 Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 20336): 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 Division 726 Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Division 726 Federal Credit Union well capitalized?
Its net worth ratio was 14.83% 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 Division 726 Federal Credit Union's delinquency ratio?
Its delinquency ratio was 7.22% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Division 726 Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 56.62% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Staten Island, NY 10309
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1970
- NCUA Charter #
- 20336
- RSSD ID
- 66088
- Members
- 2,495
- 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 1 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.83% | 14.31% | 53rd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | -5.20% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -35.11% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 6.11% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 84.23% | 79.83% | 41st below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.36% | 0.78% | 21st bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 7.22% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 7.47% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 56.62% | 58.92% | 47th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$8.7M total assets against $9.3M; $7.2M total shares and deposits against $7.7M; $4.1M total loans against $5.1M.
$1.3M net worth against $1.6M.
14.83% net worth ratio against 17.42%.
56.62% loan-to-share ratio against 66.88%.
7.22% delinquency ratio against 5.82%.
-5.20% return on assets against -1.14%; -35.11% return on equity against -6.55%.
6.11% net interest margin against 4.45%.
2,495 members against 2,471.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.83% | -5.20% | 7.22% | 56.62% |
| March 31, 2026 | 15.74% | 0.47% | 7.29% | 57.22% |
| December 31, 2025 | 15.34% | -5.13% | 5.75% | 58.98% |
| September 30, 2025 | 16.57% | -5.29% | 8.01% | 64.67% |
| June 30, 2025 | 17.42% | -1.14% | 5.82% | 66.88% |
| March 31, 2025 | 16.78% | -2.45% | 5.43% | 68.58% |
Scroll sideways to see every column.
Watch flags
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.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.