Grand Central Terminal Emp Federal Credit Union New York, New York
Grand Central Terminal Emp Federal Credit Union is a federal credit union headquartered in New York, NY, established in 1936 (NCUA charter 1059), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,423 members and total assets of $6.6M (down 9.4% from Q2 2025), the 221st largest of 267 credit unions headquartered in New York. Its net worth ratio was 11.93% at Q2 2026, in the well capitalized band.
Also written as Grand Central Terminal Emp 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
- 1059
- Headquarters
- New York, NY
- Established
- 1936
- Total assets, Q2 2026
- $6.6M
- Assets vs Q2 2025
- -9.4%
- Members, Q2 2026
- 1,423
- Net worth ratio, Q2 2026
- 11.93%
- Latest call report
- Q2 2026, NCUA 5300 · Grand Central Terminal Emp Federal Credit Union call report
- Asset rank in state
- 221st of 267 in New York
- Routing number
- 226077642
- Branches
- 1
It has 90 fewer members than on June 30, 2025 (-5.9%). Its net worth ratio was up 0.24 percentage points from 11.69% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $910K of $1.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.77% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 11.93% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in New York
Frequently asked about Grand Central Terminal Emp Federal Credit Union
How big is Grand Central Terminal Emp Federal Credit Union?
At Q2 2026 it reported total assets of $6.6M and 1,423 members.
Where is Grand Central Terminal Emp Federal Credit Union headquartered?
It is headquartered in New York, NY, United States.
When was Grand Central Terminal Emp Federal Credit Union founded?
It was established in 1936, per NCUA records.
Is Grand Central Terminal Emp Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 1059): 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 Grand Central Terminal Emp Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Grand Central Terminal Emp Federal Credit Union well capitalized?
Its net worth ratio was 11.93% 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 Grand Central Terminal Emp Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.77% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Grand Central Terminal Emp Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 20.99% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- New York, NY 10017
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 1059
- RSSD ID
- 156475
- Members
- 1,423
- Potential members
- 2,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 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: 11.14% to 19.38% | 11.93% | 14.31% | 31st below |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.92% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -7.68% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.44% | 3.93% | 71st above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 114.80% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.17% | 0.78% | 89th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.77% | 0.86% | 54th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.61% | 4.70% | 45th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 20.99% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$6.6M total assets against $7.3M; $5.8M total shares and deposits against $6.4M; $1.2M total loans against $1.4M.
$790K net worth against $853K.
11.93% net worth ratio against 11.69%.
20.99% loan-to-share ratio against 21.38%.
0.77% delinquency ratio against 0.46%.
-0.92% return on assets against -0.49%; -7.68% return on equity against -4.17%.
4.44% net interest margin against 3.85%.
1,423 members against 1,513.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.93% | -0.92% | 0.77% | 20.99% |
| March 31, 2026 | 11.97% | -0.14% | 0.43% | 20.61% |
| December 31, 2025 | 11.72% | -2.05% | 0.73% | 20.72% |
| September 30, 2025 | 12.18% | -0.62% | 0.71% | 22.64% |
| June 30, 2025 | 11.69% | -0.49% | 0.46% | 21.38% |
| March 31, 2025 | 11.85% | 0.05% | 0.47% | 21.34% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.