Credit Union Safety Analysis
Is Grand Central Terminal Emp Federal Credit Union Safe? New York, New York
Based on its Q2 2026 NCUA 5300 call report, Grand Central Terminal Emp Federal Credit Union has a net worth ratio of 11.93%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.77%, 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, Grand Central Terminal Emp Federal Credit Union's net worth ratio is 11.93%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.93%
- Delinquency ratio (60+ days) (Q2 2026): 0.77%
- Return on assets (Q2 2026): -0.92%
- Loan-to-share ratio (Q2 2026): 20.99%
Grand Central Terminal Emp Federal Credit Union (NCUA charter 1059, established 1936) reported $6.6M in assets and 1,423 members for Q2 2026 from New York, New York. It ranks 221 of 267 credit unions in New York by total assets. Total assets fell 9.4% from $7.3M on June 30, 2025. 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.
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: 11.97% for Q1 2026; 11.69% 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: 0.43% for Q1 2026; 0.46% 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: -0.14% for Q1 2026; -0.49% 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: 20.61% for Q1 2026; 21.38% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $910K
- New vehicle loans: $141K
- 1- to 4-family residential and other consumer real estate loans: $125K
- Used vehicle loans: $44K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.6M | 11.93% | 0.77% | -0.92% | 20.99% |
| March 31, 2026 | $6.7M | 11.97% | 0.43% | -0.14% | 20.61% |
| December 31, 2025 | $6.9M | 11.72% | 0.73% | -2.05% | 20.72% |
| September 30, 2025 | $6.9M | 12.18% | 0.71% | -0.62% | 22.64% |
| June 30, 2025 | $7.3M | 11.69% | 0.46% | -0.49% | 21.38% |
| March 31, 2025 | $7.3M | 11.85% | 0.47% | 0.05% | 21.34% |
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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.
Grand Central Terminal Emp Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 1059) · FFIEC NIC profile (RSSD 156475)
Frequently asked questions
Is Grand Central Terminal Emp Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Grand Central Terminal Emp Federal Credit Union's net worth ratio is 11.93%, above the 7% NCUA threshold for well capitalized.
Is Grand Central Terminal Emp Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Grand Central Terminal Emp Federal Credit Union is a federally insured credit union (NCUA charter 1059): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Grand Central Terminal Emp Federal Credit Union's key safety ratios?
For Q2 2026, Grand Central Terminal Emp Federal Credit Union reports net worth 11.93%, delinquency 0.77%, ROA -0.92%, loan-to-share 20.99%.
What happens to my money if Grand Central Terminal Emp Federal Credit Union fails?
For Q2 2026, Grand Central Terminal Emp Federal Credit Union held $5.8M in shares and deposits for 1,423 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.