Credit Union Safety Analysis
Is Far Rockaway Postal Federal Credit Union Safe? Far Rockaway, New York
Based on its Q2 2026 NCUA 5300 call report, Far Rockaway Postal Federal Credit Union has a net worth ratio of 21.65%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 23.66%, 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, Far Rockaway Postal Federal Credit Union's net worth ratio is 21.65%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 21.65%
- Delinquency ratio (60+ days) (Q2 2026): 23.66%
- Return on assets (Q2 2026): -5.50%
- Loan-to-share ratio (Q2 2026): 43.28%
Far Rockaway Postal Federal Credit Union (NCUA charter 4246, established 1941) reported $221K in assets and 47 members for Q2 2026 from Far Rockaway, New York. It ranks 264 of 267 credit unions in New York by total assets. Total assets fell 4.2% from $231K on June 30, 2025. It has 12 fewer members than on June 30, 2025 (-20.3%). Its net worth ratio was down 8.41 percentage points from 30.06% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $75K of $75K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 23.66% 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: 21.75% for Q1 2026; 30.06% 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: 24.80% for Q1 2026; 19.05% 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: -27.16% for Q1 2026; -6.37% 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: 52.14% for Q1 2026; 62.27% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $75K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $221K | 21.65% | 23.66% | -5.50% | 43.28% |
| March 31, 2026 | $223K | 21.75% | 24.80% | -27.16% | 52.14% |
| December 31, 2025 | $224K | 29.35% | 26.23% | -2.39% | 59.65% |
| September 30, 2025 | $250K | 26.57% | 18.15% | -8.45% | 52.64% |
| June 30, 2025 | $231K | 30.06% | 19.05% | -6.37% | 62.27% |
| March 31, 2025 | $234K | 30.25% | 16.87% | -2.74% | 74.40% |
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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.
Far Rockaway Postal Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 4246) · FFIEC NIC profile (RSSD 287678)
Frequently asked questions
Is Far Rockaway Postal Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Far Rockaway Postal Federal Credit Union's net worth ratio is 21.65%, above the 7% NCUA threshold for well capitalized.
Is Far Rockaway Postal Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Far Rockaway Postal Federal Credit Union is a federally insured credit union (NCUA charter 4246): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Far Rockaway Postal Federal Credit Union's key safety ratios?
For Q2 2026, Far Rockaway Postal Federal Credit Union reports net worth 21.65%, delinquency 23.66%, ROA -5.50%, loan-to-share 43.28%.
What happens to my money if Far Rockaway Postal Federal Credit Union fails?
For Q2 2026, Far Rockaway Postal Federal Credit Union held $173K in shares and deposits for 47 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.