Credit Union Safety Analysis
Is I R E B Federal Credit Union Safe? Brooklyn, New York
Based on its Q2 2026 NCUA 5300 call report, I R E B Federal Credit Union has a net worth ratio of 19.17%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 8.08%, 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, I R E B Federal Credit Union's net worth ratio is 19.17%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 19.17%
- Delinquency ratio (60+ days) (Q2 2026): 8.08%
- Return on assets (Q2 2026): 0.22%
- Loan-to-share ratio (Q2 2026): 13.47%
I R E B Federal Credit Union (NCUA charter 9952, established 1955) reported $2.6M in assets and 232 members for Q2 2026 from Brooklyn, New York. It ranks 236 of 267 credit unions in New York by total assets. Total assets fell 4.3% from $2.7M on June 30, 2025. It has 15 fewer members than on June 30, 2025 (-6.1%). Its net worth ratio was up 1.24 percentage points from 17.93% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $280K of $280K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 8.08% is above 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: 18.80% for Q1 2026; 17.93% 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: 7.79% for Q1 2026 .
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: 0.36% for Q1 2026; -1.60% 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: 14.03% for Q1 2026; 16.28% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $280K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.6M | 19.17% | 8.08% | 0.22% | 13.47% |
| March 31, 2026 | $2.6M | 18.80% | 7.79% | 0.36% | 14.03% |
| December 31, 2025 | $2.7M | 18.28% | 1.93% | 1.57% | 15.10% |
| September 30, 2025 | $2.7M | 17.70% | — | -0.43% | 14.58% |
| June 30, 2025 | $2.7M | 17.93% | — | -1.60% | 16.28% |
| March 31, 2025 | $2.7M | 18.04% | — | 0.69% | 17.77% |
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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.
I R E B Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 9952) · FFIEC NIC profile (RSSD 36081)
Frequently asked questions
Is I R E B Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, I R E B Federal Credit Union's net worth ratio is 19.17%, above the 7% NCUA threshold for well capitalized.
Is I R E B Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. I R E B Federal Credit Union is a federally insured credit union (NCUA charter 9952): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are I R E B Federal Credit Union's key safety ratios?
For Q2 2026, I R E B Federal Credit Union reports net worth 19.17%, delinquency 8.08%, ROA 0.22%, loan-to-share 13.47%.
What happens to my money if I R E B Federal Credit Union fails?
For Q2 2026, I R E B Federal Credit Union held $2.1M in shares and deposits for 232 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.