Family First of NY Federal Credit Union Rochester, New York
Family First of NY Federal Credit Union is a federal credit union headquartered in Rochester, NY, established in 1969 (NCUA charter 19304), and it is regulated and insured by the NCUA. At Q2 2026 it reported 14,765 members and total assets of $345.3M (up 4.9% from Q2 2025), the 43rd largest of 267 credit unions headquartered in New York. Its net worth ratio was 11.99% at Q2 2026, in the well capitalized band.
Also written as Family First of NY 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
- 19304
- Headquarters
- Rochester, NY
- Established
- 1969
- Total assets, Q2 2026
- $345.3M
- Assets vs Q2 2025
- +4.9%
- Members, Q2 2026
- 14,765
- Net worth ratio, Q2 2026
- 11.99%
- Latest call report
- Q2 2026, NCUA 5300 · Family First of NY Federal Credit Union call report
- Asset rank in state
- 43rd of 267 in New York
- Routing number
- 222382593
- Branches
- 5
It has 58 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was up 1.03 percentage points from 10.96% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $212.0M of $288.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.59% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.99% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in New York
Credit unions merged into Family First of NY Federal Credit Union
Frequently asked about Family First of NY Federal Credit Union
How big is Family First of NY Federal Credit Union?
At Q2 2026 it reported total assets of $345.3M and 14,765 members.
Where is Family First of NY Federal Credit Union headquartered?
It is headquartered in Rochester, NY, United States.
When was Family First of NY Federal Credit Union founded?
It was established in 1969, per NCUA records.
Is Family First of NY Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 19304): 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 Family First of NY Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Family First of NY Federal Credit Union well capitalized?
Its net worth ratio was 11.99% 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 Family First of NY Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.59% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Family First of NY Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 111.47% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Rochester, NY 14625
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1969
- NCUA Charter #
- 19304
- RSSD ID
- 176482
- Members
- 14,765
- Potential members
- 850,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 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: 9.81% to 13.58% | 11.99% | 11.43% | 57th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.59% | 0.81% | 35th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 4.89% | 7.02% | 33rd below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.66% | 3.70% | 47th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 85.44% | 76.55% | 21st bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.66% | 1.24% | 20th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.59% | 0.68% | 58th above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.32% | 4.92% | 72nd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 111.47% | 75.66% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$345.3M total assets against $329.2M; $258.7M total shares and deposits against $246.5M; $288.4M total loans against $271.9M.
$41.4M net worth against $36.1M.
11.99% net worth ratio against 10.96%.
111.47% loan-to-share ratio against 110.28%.
0.59% delinquency ratio against 0.65%.
0.59% return on assets against 0.66%; 4.89% return on equity against 5.99%.
3.66% net interest margin against 3.43%.
14,765 members against 14,823.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.99% | 0.59% | 0.59% | 111.47% |
| March 31, 2026 | 12.02% | 0.41% | 0.32% | 109.92% |
| December 31, 2025 | 11.38% | 0.83% | 0.60% | 110.92% |
| September 30, 2025 | 11.13% | 0.70% | 0.50% | 112.69% |
| June 30, 2025 | 10.96% | 0.66% | 0.65% | 110.28% |
| March 31, 2025 | 11.11% | 0.34% | 0.64% | 110.79% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.