FourLeaf Federal Credit Union Bethpage, New York
FourLeaf Federal Credit Union is a federal credit union headquartered in Bethpage, NY, established in 1941 (NCUA charter 4735), and it is regulated and insured by the NCUA. At Q2 2026 it reported 527,355 members and total assets of $14.42B (up 3.9% from Q2 2025), the largest of 267 credit unions headquartered in New York. Its net worth ratio was 9.12% at Q2 2026, in the well capitalized band.
Also written as FourLeaf FCU · Trade name filed with the NCUA: FourLeaf Financial Group
BankRegReports is independent of FourLeaf Federal Credit Union and never asks for online banking logins or passwords.
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
- 4735
- Headquarters
- Bethpage, NY
- Established
- 1941
- Total assets, Q2 2026
- $14.42B
- Assets vs Q2 2025
- +3.9%
- Members, Q2 2026
- 527,355
- Net worth ratio, Q2 2026
- 9.12%
- Latest call report
- Q2 2026, NCUA 5300 · FourLeaf Federal Credit Union call report
- Asset rank in state
- 1st of 267 in New York
- Routing number
- 221473652
- Branches
- 40
It has 25,125 more members than on June 30, 2025 (+5.0%). Its net worth ratio was up 0.08 percentage points from 9.04% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $6.75B of $11.42B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.23% is above the 0.91% median of the 24 credit unions with $10B to $100B in assets for Q2 2026. Its 9.12% net worth ratio is below that band's 10.42% median.
Credit unions similar in size in New York
Credit unions merged into FourLeaf Federal Credit Union
Northwell Health Federal Credit Union (2017) · Montauk Credit Union (2016)
Frequently asked about FourLeaf Federal Credit Union
How big is FourLeaf Federal Credit Union?
At Q2 2026 it reported total assets of $14.42B and 527,355 members.
Where is FourLeaf Federal Credit Union headquartered?
It is headquartered in Bethpage, NY, United States.
When was FourLeaf Federal Credit Union founded?
It was established in 1941, per NCUA records.
Is FourLeaf Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 4735): 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 FourLeaf Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is FourLeaf Federal Credit Union well capitalized?
Its net worth ratio was 9.12% 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 FourLeaf Federal Credit Union's delinquency ratio?
Its delinquency ratio was 2.23% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is FourLeaf Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 87.88% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Bethpage, NY 11714
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1941
- NCUA Charter #
- 4735
- RSSD ID
- 136374
- Members
- 527,355
- Potential members
- 342,617,520
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 24 credit unions with $10B to $100B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.55% to 11.84% | 9.12% | 10.42% | 13th bottom |
| Return on assets Middle half of peers: 0.59% to 1.31% | 0.54% | 0.97% | 12th bottom |
| Return on equity Middle half of peers: 6.05% to 14.24% | 6.05% | 9.50% | 25th below |
| Net interest margin Middle half of peers: 2.90% to 3.44% | 3.03% | 3.17% | 37th below |
| Efficiency ratio Middle half of peers: 52.69% to 70.10% | 70.10% | 61.32% | 25th below |
| Cost of funds Middle half of peers: 1.69% to 2.02% | 1.98% | 1.88% | 32nd below |
| Delinquency ratio Middle half of peers: 0.64% to 1.27% | 2.23% | 0.91% | under 10th bottom |
| Yield on assets Middle half of peers: 4.90% to 5.36% | 5.01% | 5.07% | 42nd position only |
| Loan-to-share ratio Middle half of peers: 81.23% to 93.33% | 87.88% | 89.87% | 44th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$14.42B total assets against $13.88B; $13.00B total shares and deposits against $12.21B; $11.42B total loans against $10.63B.
$1.30B net worth against $1.22B.
9.12% net worth ratio against 9.04%.
87.88% loan-to-share ratio against 87.10%.
2.23% delinquency ratio against 1.60%.
0.54% return on assets against 0.35%; 6.05% return on equity against 3.97%.
3.03% net interest margin against 2.71%.
527,355 members against 502,230.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.12% | 0.54% | 2.23% | 87.88% |
| March 31, 2026 | 9.07% | 0.61% | 2.02% | 86.70% |
| December 31, 2025 | 9.06% | 0.47% | 2.00% | 87.84% |
| September 30, 2025 | 9.11% | 0.75% | 2.05% | 86.88% |
| June 30, 2025 | 9.04% | 0.35% | 1.60% | 87.10% |
| March 31, 2025 | 9.12% | 0.39% | 1.49% | 86.48% |
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.
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.