Credit Union Safety Analysis
Is Great Meadow Federal Credit Union Safe? Granville, New York
Based on its Q2 2026 NCUA 5300 call report, Great Meadow Federal Credit Union has a net worth ratio of 10.38%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.58%, 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, Great Meadow Federal Credit Union's net worth ratio is 10.38%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.38%
- Delinquency ratio (60+ days) (Q2 2026): 0.58%
- Return on assets (Q2 2026): 0.29%
- Loan-to-share ratio (Q2 2026): 71.11%
Great Meadow Federal Credit Union (NCUA charter 11402, established 1956) reported $84.1M in assets and 6,545 members for Q2 2026 from Granville, New York. It ranks 102 of 267 credit unions in New York by total assets. Total assets grew 11.2% from $75.7M on June 30, 2025. It has 470 fewer members than on June 30, 2025 (-6.7%). Its net worth ratio was down 0.46 percentage points from 10.84% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $19.4M of $53.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.58% 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: 10.39% for Q1 2026; 10.84% 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: 0.99% for Q1 2026; 0.77% 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: 1.42% for Q1 2026; 1.21% 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: 68.21% for Q1 2026; 70.52% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $19.4M
- Used vehicle loans: $14.5M
- New vehicle loans: $9.7M
- Other secured non-real estate loans and lines of credit: $6.7M
- Other unsecured loans and lines of credit: $2.1M
- Unsecured credit card loans: $918K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $84.1M | 10.38% | 0.58% | 0.29% | 71.11% |
| March 31, 2026 | $83.5M | 10.39% | 0.99% | 1.42% | 68.21% |
| December 31, 2025 | $79.1M | 10.58% | 0.90% | -0.23% | 72.71% |
| September 30, 2025 | $77.7M | 10.84% | 0.82% | 1.05% | 69.58% |
| June 30, 2025 | $75.7M | 10.84% | 0.77% | 1.21% | 70.52% |
| March 31, 2025 | $72.9M | 10.92% | 0.89% | 0.96% | 71.70% |
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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.
Great Meadow Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 11402) · FFIEC NIC profile (RSSD 727482)
Frequently asked questions
Is Great Meadow Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Great Meadow Federal Credit Union's net worth ratio is 10.38%, above the 7% NCUA threshold for well capitalized.
Is Great Meadow Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Great Meadow Federal Credit Union is a federally insured credit union (NCUA charter 11402): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Great Meadow Federal Credit Union's key safety ratios?
For Q2 2026, Great Meadow Federal Credit Union reports net worth 10.38%, delinquency 0.58%, ROA 0.29%, loan-to-share 71.11%.
What happens to my money if Great Meadow Federal Credit Union fails?
For Q2 2026, Great Meadow Federal Credit Union held $74.9M in shares and deposits for 6,545 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.