Credit Union Safety Analysis
Is Division 726 Federal Credit Union Safe? Staten Island, New York
Based on its Q2 2026 NCUA 5300 call report, Division 726 Federal Credit Union has a net worth ratio of 14.83%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 7.22%, 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, Division 726 Federal Credit Union's net worth ratio is 14.83%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.83%
- Delinquency ratio (60+ days) (Q2 2026): 7.22%
- Return on assets (Q2 2026): -5.20%
- Loan-to-share ratio (Q2 2026): 56.62%
Division 726 Federal Credit Union (NCUA charter 20336, established 1970) reported $8.7M in assets and 2,495 members for Q2 2026 from Staten Island, New York. It ranks 212 of 267 credit unions in New York by total assets. Total assets fell 5.9% from $9.3M on June 30, 2025. 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.
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: 15.74% for Q1 2026; 17.42% 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: 7.29% for Q1 2026; 5.82% 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: 0.47% for Q1 2026; -1.14% 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: 57.22% for Q1 2026; 66.88% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $1.4M
- Used vehicle loans: $1.3M
- New vehicle loans: $666K
- Unsecured credit card loans: $608K
- Other secured non-real estate loans and lines of credit: $51K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $8.7M | 14.83% | 7.22% | -5.20% | 56.62% |
| March 31, 2026 | $9.0M | 15.74% | 7.29% | 0.47% | 57.22% |
| December 31, 2025 | $9.0M | 15.34% | 5.75% | -5.13% | 58.98% |
| September 30, 2025 | $9.0M | 16.57% | 8.01% | -5.29% | 64.67% |
| June 30, 2025 | $9.3M | 17.42% | 5.82% | -1.14% | 66.88% |
| March 31, 2025 | $9.8M | 16.78% | 5.43% | -2.45% | 68.58% |
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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.
Division 726 Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 20336) · FFIEC NIC profile (RSSD 66088)
Frequently asked questions
Is Division 726 Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Division 726 Federal Credit Union's net worth ratio is 14.83%, above the 7% NCUA threshold for well capitalized.
Is Division 726 Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Division 726 Federal Credit Union is a federally insured credit union (NCUA charter 20336): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Division 726 Federal Credit Union's key safety ratios?
For Q2 2026, Division 726 Federal Credit Union reports net worth 14.83%, delinquency 7.22%, ROA -5.20%, loan-to-share 56.62%.
What happens to my money if Division 726 Federal Credit Union fails?
For Q2 2026, Division 726 Federal Credit Union held $7.2M in shares and deposits for 2,495 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.