Credit Union Safety Analysis
Is Ed-Med Federal Credit Union Safe? Ogdensburg, New York
Based on its Q2 2026 NCUA 5300 call report, Ed-Med Federal Credit Union has a net worth ratio of 12.51%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.08%, 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, Ed-Med Federal Credit Union's net worth ratio is 12.51%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.51%
- Delinquency ratio (60+ days) (Q2 2026): 1.08%
- Return on assets (Q2 2026): 1.09%
- Loan-to-share ratio (Q2 2026): 42.15%
Ed-Med Federal Credit Union (NCUA charter 13186, established 1959) reported $34.7M in assets and 2,087 members for Q2 2026 from Ogdensburg, New York. It ranks 154 of 267 credit unions in New York by total assets. Total assets grew 5.5% from $32.9M on June 30, 2025. It has 7 fewer members than on June 30, 2025 (-0.3%). Its net worth ratio was up 0.38 percentage points from 12.13% on June 30, 2025. New vehicle loans are its largest loan category, $5.7M of $12.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.08% 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: 12.53% for Q1 2026; 12.13% 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: 1.34% for Q1 2026; 1.82% 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: 1.07% for Q1 2026; 0.98% 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: 44.78% for Q1 2026; 49.62% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $5.7M
- Used vehicle loans: $3.5M
- Other unsecured loans and lines of credit: $2.0M
- Other secured non-real estate loans and lines of credit: $1.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $34.7M | 12.51% | 1.08% | 1.09% | 42.15% |
| March 31, 2026 | $34.0M | 12.53% | 1.34% | 1.07% | 44.78% |
| December 31, 2025 | $33.5M | 12.42% | 1.35% | 0.65% | 48.25% |
| September 30, 2025 | $32.9M | 12.50% | 1.75% | 1.37% | 50.51% |
| June 30, 2025 | $32.9M | 12.13% | 1.82% | 0.98% | 49.62% |
| March 31, 2025 | $32.5M | 12.04% | 1.48% | 0.76% | 48.90% |
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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.
Ed-Med Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 13186) · FFIEC NIC profile (RSSD 799489)
Frequently asked questions
Is Ed-Med Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Ed-Med Federal Credit Union's net worth ratio is 12.51%, above the 7% NCUA threshold for well capitalized.
Is Ed-Med Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Ed-Med Federal Credit Union is a federally insured credit union (NCUA charter 13186): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Ed-Med Federal Credit Union's key safety ratios?
For Q2 2026, Ed-Med Federal Credit Union reports net worth 12.51%, delinquency 1.08%, ROA 1.09%, loan-to-share 42.15%.
What happens to my money if Ed-Med Federal Credit Union fails?
For Q2 2026, Ed-Med Federal Credit Union held $30.3M in shares and deposits for 2,087 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.