Credit Union Safety Analysis
Is Italo-American Federal Credit Union Safe? Glendale, New York
Based on its Q2 2026 NCUA 5300 call report, Italo-American Federal Credit Union has a net worth ratio of 14.61%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, Italo-American Federal Credit Union's net worth ratio is 14.61%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.61%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 1.33%
- Loan-to-share ratio (Q2 2026): 97.95%
Italo-American Federal Credit Union (NCUA charter 110, established 1935) reported $42.4M in assets and 598 members for Q2 2026 from Glendale, New York. It ranks 143 of 267 credit unions in New York by total assets. Total assets grew 7.4% from $39.5M on June 30, 2025. It has 3 more members than on June 30, 2025 (+0.5%). Its net worth ratio was up 0.26 percentage points from 14.35% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $29.1M of $35.1M in total loans on its June 30, 2026 filing.
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: 14.90% for Q1 2026; 14.35% 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%.
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: 1.43% for Q1 2026; 1.07% 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: 99.05% for Q1 2026; 96.53% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $29.1M
- Commercial loans: $5.7M
- Other secured non-real estate loans and lines of credit: $339K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $42.4M | 14.61% | — | 1.33% | 97.95% |
| March 31, 2026 | $40.6M | 14.90% | — | 1.43% | 99.05% |
| December 31, 2025 | $39.5M | 14.96% | — | 1.23% | 98.07% |
| September 30, 2025 | $39.1M | 14.80% | — | 1.22% | 97.03% |
| June 30, 2025 | $39.5M | 14.35% | — | 1.07% | 96.53% |
| March 31, 2025 | $38.8M | 14.31% | — | 0.87% | 93.74% |
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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.
Italo-American Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 110) · FFIEC NIC profile (RSSD 885177)
Frequently asked questions
Is Italo-American Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Italo-American Federal Credit Union's net worth ratio is 14.61%, above the 7% NCUA threshold for well capitalized.
Is Italo-American Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Italo-American Federal Credit Union is a federally insured credit union (NCUA charter 110): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Italo-American Federal Credit Union's key safety ratios?
For Q2 2026, Italo-American Federal Credit Union reports net worth 14.61%, delinquency not reported, ROA 1.33%, loan-to-share 97.95%.
What happens to my money if Italo-American Federal Credit Union fails?
For Q2 2026, Italo-American Federal Credit Union held $35.9M in shares and deposits for 598 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.