Mamta Federal Credit Union Larchmont, New York
Mamta Federal Credit Union is a federal credit union headquartered in Larchmont, NY, established in 1938 (NCUA charter 2800), and it is regulated and insured by the NCUA. At Q2 2026 it reported 853 members and total assets of $8.3M (down 6.8% from Q2 2025), the 213th largest of 267 credit unions headquartered in New York. Its net worth ratio was 17.20% at Q2 2026, in the well capitalized band.
Also written as Mamta FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 2800
- Headquarters
- Larchmont, NY
- Established
- 1938
- Total assets, Q2 2026
- $8.3M
- Assets vs Q2 2025
- -6.8%
- Members, Q2 2026
- 853
- Net worth ratio, Q2 2026
- 17.20%
- Latest call report
- Q2 2026, NCUA 5300 · Mamta Federal Credit Union call report
- Asset rank in state
- 213th of 267 in New York
- Routing number
- 221976434
- Branches
- 1
It has 46 fewer members than on June 30, 2025 (-5.1%). Its net worth ratio was up 1.25 percentage points from 15.95% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $536K of $1.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.18% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 17.20% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in New York
Frequently asked about Mamta Federal Credit Union
How big is Mamta Federal Credit Union?
At Q2 2026 it reported total assets of $8.3M and 853 members.
Where is Mamta Federal Credit Union headquartered?
It is headquartered in Larchmont, NY, United States.
When was Mamta Federal Credit Union founded?
It was established in 1938, per NCUA records.
Is Mamta Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 2800): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Mamta Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Mamta Federal Credit Union well capitalized?
Its net worth ratio was 17.20% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Mamta Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.18% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Mamta Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 18.59% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Larchmont, NY 10538
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1938
- NCUA Charter #
- 2800
- RSSD ID
- 777973
- Members
- 853
- Potential members
- 1,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 6 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 17.20% | 14.31% | 64th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.09% | 0.72% | 21st bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -0.54% | 4.74% | 21st bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.18% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.02% | 0.78% | 36th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.18% | 0.86% | 42nd below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.20% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 18.59% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$8.3M total assets against $8.9M; $6.9M total shares and deposits against $7.5M; $1.3M total loans against $1.5M.
$1.4M net worth against $1.4M.
17.20% net worth ratio against 15.95%.
18.59% loan-to-share ratio against 20.43%.
1.18% delinquency ratio against 0.05%.
-0.09% return on assets against -0.44%; -0.54% return on equity against -2.78%.
2.18% net interest margin against 1.86%.
853 members against 899.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 17.20% | -0.09% | 1.18% | 18.59% |
| March 31, 2026 | 16.88% | 0.19% | 1.23% | 19.13% |
| December 31, 2025 | 17.19% | 0.16% | 0.01% | 21.26% |
| September 30, 2025 | 17.16% | 0.14% | 0.02% | 23.35% |
| June 30, 2025 | 15.95% | -0.44% | 0.05% | 20.43% |
| March 31, 2025 | 15.31% | 0.06% | 0.95% | 19.56% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.