Credit Union Safety Analysis
Is Local 804 Federal Credit Union Safe? Long Island City, New York
Based on its Q2 2026 NCUA 5300 call report, Local 804 Federal Credit Union has a net worth ratio of 30.73%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.71%, 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, Local 804 Federal Credit Union's net worth ratio is 30.73%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 30.73%
- Delinquency ratio (60+ days) (Q2 2026): 3.71%
- Return on assets (Q2 2026): 2.76%
- Loan-to-share ratio (Q2 2026): 86.62%
Local 804 Federal Credit Union (NCUA charter 23144, established 1978) reported $22.5M in assets and 3,197 members for Q2 2026 from Long Island City, New York. It ranks 176 of 267 credit unions in New York by total assets. Total assets grew 6.9% from $21.0M on June 30, 2025. It has 5 more members than on June 30, 2025 (+0.2%). Its net worth ratio was up 0.25 percentage points from 30.48% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $3.9M of $13.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.71% 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: 31.10% for Q1 2026; 30.48% 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: 3.58% for Q1 2026; 3.57% 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: 1.91% for Q1 2026; 3.16% 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: 90.29% for Q1 2026; 97.67% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $3.9M
- New vehicle loans: $2.4M
- Used vehicle loans: $2.3M
- 1- to 4-family residential and other consumer real estate loans: $2.2M
- Commercial loans: $1.7M
- Unsecured credit card loans: $911K
- Other secured non-real estate loans and lines of credit: $52K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $22.5M | 30.73% | 3.71% | 2.76% | 86.62% |
| March 31, 2026 | $21.7M | 31.10% | 3.58% | 1.91% | 90.29% |
| December 31, 2025 | $21.8M | 30.48% | 3.77% | 1.50% | 91.81% |
| September 30, 2025 | $21.0M | 31.20% | 3.82% | 2.99% | 97.96% |
| June 30, 2025 | $21.0M | 30.48% | 3.57% | 3.16% | 97.67% |
| March 31, 2025 | $20.6M | 30.24% | 2.83% | 1.51% | 98.15% |
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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.
Local 804 Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 23144) · FFIEC NIC profile (RSSD 901983)
Frequently asked questions
Is Local 804 Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Local 804 Federal Credit Union's net worth ratio is 30.73%, above the 7% NCUA threshold for well capitalized.
Is Local 804 Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Local 804 Federal Credit Union is a federally insured credit union (NCUA charter 23144): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Local 804 Federal Credit Union's key safety ratios?
For Q2 2026, Local 804 Federal Credit Union reports net worth 30.73%, delinquency 3.71%, ROA 2.76%, loan-to-share 86.62%.
What happens to my money if Local 804 Federal Credit Union fails?
For Q2 2026, Local 804 Federal Credit Union held $15.6M in shares and deposits for 3,197 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.