Credit Union Safety Analysis
Is I Am Federal Credit Union Safe? New York, New York
Based on its Q2 2026 NCUA 5300 call report, I Am Federal Credit Union has a net worth ratio of 11.76%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 4.37%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of I Am Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, I Am Federal Credit Union's net worth ratio is 11.76%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.76%
- Delinquency ratio (60+ days) (Q2 2026): 4.37%
- Return on assets (Q2 2026): 0.60%
- Loan-to-share ratio (Q2 2026): 38.40%
I Am Federal Credit Union (NCUA charter 24670, established 1940) reported $103.2M in assets and 15,139 members for Q2 2026 from New York, New York. It ranks 89 of 267 credit unions in New York by total assets. Total assets grew 7.1% from $96.3M on June 30, 2025. It has 357 fewer members than on June 30, 2025 (-2.3%). Its net worth ratio was down 0.53 percentage points from 12.29% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $20.5M of $35.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 4.37% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.70% for Q1 2026; 12.29% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 3.12% for Q1 2026; 4.54% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.28% for Q1 2026; 0.65% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 39.06% for Q1 2026; 43.21% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $20.5M
- 1- to 4-family residential and other consumer real estate loans: $9.2M
- Used vehicle loans: $4.3M
- New vehicle loans: $1.6M
- Other secured non-real estate loans and lines of credit: $205K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $103.2M | 11.76% | 4.37% | 0.60% | 38.40% |
| March 31, 2026 | $102.4M | 11.70% | 3.12% | 0.28% | 39.06% |
| December 31, 2025 | $100.6M | 11.84% | 5.16% | 0.08% | 40.48% |
| September 30, 2025 | $97.3M | 12.31% | 5.09% | 0.57% | 42.48% |
| June 30, 2025 | $96.3M | 12.29% | 4.54% | 0.65% | 43.21% |
| March 31, 2025 | $94.7M | 12.34% | 3.30% | 2.36% | 43.64% |
Add this badge to your website
Free to use. It shows I Am 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.
I Am Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24670) · FFIEC NIC profile (RSSD 725291)
Frequently asked questions
Is I Am Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, I Am Federal Credit Union's net worth ratio is 11.76%, above the 7% NCUA threshold for well capitalized.
Is I Am Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. I Am Federal Credit Union is a federally insured credit union (NCUA charter 24670): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are I Am Federal Credit Union's key safety ratios?
For Q2 2026, I Am Federal Credit Union reports net worth 11.76%, delinquency 4.37%, ROA 0.60%, loan-to-share 38.40%.
What happens to my money if I Am Federal Credit Union fails?
For Q2 2026, I Am Federal Credit Union held $93.0M in shares and deposits for 15,139 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.