Credit Union Safety Analysis
Is FourLeaf Federal Credit Union Safe? Bethpage, New York
Based on its Q2 2026 NCUA 5300 call report, FourLeaf Federal Credit Union has a net worth ratio of 9.12%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.23%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of FourLeaf Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, FourLeaf Federal Credit Union's net worth ratio is 9.12%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.12%
- Delinquency ratio (60+ days) (Q2 2026): 2.23%
- Return on assets (Q2 2026): 0.54%
- Loan-to-share ratio (Q2 2026): 87.88%
FourLeaf Federal Credit Union (NCUA charter 4735, established 1941) reported $14.42B in assets and 527,355 members for Q2 2026 from Bethpage, New York. It is the largest of 267 credit unions in New York by total assets. Total assets grew 3.9% from $13.88B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 24 credit unions with $10B to $100B in assets: 10.42%; middle half of peers: 9.55% to 11.84%.
Earlier filings: 9.07% for Q1 2026; 9.04% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.91%; middle half of peers: 0.64% to 1.27%.
Earlier filings: 2.02% for Q1 2026; 1.60% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.97%; middle half of peers: 0.59% to 1.31%.
Earlier filings: 0.61% for Q1 2026; 0.35% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 89.87%; middle half of peers: 81.23% to 93.33%.
Earlier filings: 86.70% for Q1 2026; 87.10% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $6.75B
- Commercial loans: $1.83B
- New vehicle loans: $739.5M
- Used vehicle loans: $645.1M
- Other unsecured loans and lines of credit: $372.5M
- Non-federally guaranteed student loans: $124.4M
- Unsecured credit card loans: $108.1M
- Other secured non-real estate loans and lines of credit: $16.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $14.42B | 9.12% | 2.23% | 0.54% | 87.88% |
| March 31, 2026 | $14.37B | 9.07% | 2.02% | 0.61% | 86.70% |
| December 31, 2025 | $14.04B | 9.06% | 2.00% | 0.47% | 87.84% |
| September 30, 2025 | $14.06B | 9.11% | 2.05% | 0.75% | 86.88% |
| June 30, 2025 | $13.88B | 9.04% | 1.60% | 0.35% | 87.10% |
| March 31, 2025 | $13.48B | 9.12% | 1.49% | 0.39% | 86.48% |
Add this badge to your website
Free to use. It shows Fourleaf Federal Credit Union’s latest filed figures and updates each quarter.
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.
FourLeaf Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 4735) · FFIEC NIC profile (RSSD 136374)
Frequently asked questions
Is FourLeaf Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, FourLeaf Federal Credit Union's net worth ratio is 9.12%, above the 7% NCUA threshold for well capitalized.
Is FourLeaf Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. FourLeaf Federal Credit Union is a federally insured credit union (NCUA charter 4735): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are FourLeaf Federal Credit Union's key safety ratios?
For Q2 2026, FourLeaf Federal Credit Union reports net worth 9.12%, delinquency 2.23%, ROA 0.54%, loan-to-share 87.88%.
What happens to my money if FourLeaf Federal Credit Union fails?
For Q2 2026, FourLeaf Federal Credit Union held $13.00B in shares and deposits for 527,355 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.