Municipal Credit Union New York, New York
Municipal Credit Union is a state-chartered credit union headquartered in New York, NY, established in 1917 (NCUA charter 60153), and it is regulated and insured by the NCUA. At Q2 2026 it reported 651,236 members and total assets of $5.18B (up 12.1% from Q2 2025), the 8th largest of 267 credit unions headquartered in New York. Its net worth ratio was 11.93% at Q2 2026, in the well capitalized band.
Also written as Municipal CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60153
- Headquarters
- New York, NY
- Established
- 1917
- Total assets, Q2 2026
- $5.18B
- Assets vs Q2 2025
- +12.1%
- Members, Q2 2026
- 651,236
- Net worth ratio, Q2 2026
- 11.93%
- Latest call report
- Q2 2026, NCUA 5300 · Municipal Credit Union call report
- Asset rank in state
- 8th of 267 in New York
- Routing number
- 226078036
- Branches
- 16
It has 20,166 more members than on June 30, 2025 (+3.2%). Its net worth ratio was up 0.34 percentage points from 11.59% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.99B of $3.41B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.66% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.93% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in New York
Credit unions merged into Municipal Credit Union
Medical Employees of Staten Island Federal Credit Union (2026)
Frequently asked about Municipal Credit Union
How big is Municipal Credit Union?
At Q2 2026 it reported total assets of $5.18B and 651,236 members.
Where is Municipal Credit Union headquartered?
It is headquartered in New York, NY, United States.
When was Municipal Credit Union founded?
It was established in 1917, per NCUA records.
Is Municipal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60153): 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 Municipal Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Municipal Credit Union well capitalized?
Its net worth ratio was 11.93% 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 Municipal Credit Union's delinquency ratio?
Its delinquency ratio was 1.66% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Municipal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 75.09% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- New York, NY 10007
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1917
- NCUA Charter #
- 60153
- RSSD ID
- 210797
- Members
- 651,236
- Potential members
- 9,400,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.93% | 10.89% | 65th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.20% | 0.89% | 72nd above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 10.64% | 8.07% | 73rd above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.18% | 3.45% | over 90th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 61.27% | 70.59% | 79th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 0.97% | 1.68% | over 90th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.66% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.15% | 5.12% | 52nd position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 75.09% | 88.03% | 22nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.18B total assets against $4.62B; $4.54B total shares and deposits against $4.05B; $3.41B total loans against $2.87B.
$585.9M net worth against $524.6M.
11.93% net worth ratio against 11.59%.
75.09% loan-to-share ratio against 70.90%.
1.66% delinquency ratio against 1.31%.
1.20% return on assets against 0.66%; 10.64% return on equity against 5.85%.
4.18% net interest margin against 4.35%.
651,236 members against 631,070.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.93% | 1.20% | 1.66% | 75.09% |
| March 31, 2026 | 11.93% | 1.62% | 1.29% | 72.85% |
| December 31, 2025 | 11.80% | 1.22% | 1.57% | 73.07% |
| September 30, 2025 | 11.75% | 1.37% | 1.44% | 73.83% |
| June 30, 2025 | 11.59% | 0.66% | 1.31% | 70.90% |
| March 31, 2025 | 11.71% | 1.35% | 1.25% | 68.33% |
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.
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.