Credit Union Safety Analysis
Is Municipal Credit Union Safe? New York, New York
Based on its Q2 2026 NCUA 5300 call report, Municipal Credit Union has a net worth ratio of 11.93%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.66%, 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, Municipal Credit Union's net worth ratio is 11.93%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.93%
- Delinquency ratio (60+ days) (Q2 2026): 1.66%
- Return on assets (Q2 2026): 1.20%
- Loan-to-share ratio (Q2 2026): 75.09%
Municipal Credit Union (NCUA charter 60153, established 1917) reported $5.18B in assets and 651,236 members for Q2 2026 from New York, New York. It ranks 8 of 267 credit unions in New York by total assets. Total assets grew 12.1% from $4.62B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 11.93% for Q1 2026; 11.59% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 1.29% for Q1 2026; 1.31% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.62% for Q1 2026; 0.66% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 72.85% for Q1 2026; 70.90% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.99B
- Other unsecured loans and lines of credit: $633.0M
- Used vehicle loans: $377.5M
- Unsecured credit card loans: $207.9M
- New vehicle loans: $104.4M
- Other secured non-real estate loans and lines of credit: $19.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.18B | 11.93% | 1.66% | 1.20% | 75.09% |
| March 31, 2026 | $5.10B | 11.93% | 1.29% | 1.62% | 72.85% |
| December 31, 2025 | $4.90B | 11.80% | 1.57% | 1.22% | 73.07% |
| September 30, 2025 | $4.68B | 11.75% | 1.44% | 1.37% | 73.83% |
| June 30, 2025 | $4.62B | 11.59% | 1.31% | 0.66% | 70.90% |
| March 31, 2025 | $4.60B | 11.71% | 1.25% | 1.35% | 68.33% |
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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.
Municipal Credit Union profile
Regulator records: NCUA credit union profile (charter 60153) · FFIEC NIC profile (RSSD 210797)
Frequently asked questions
Is Municipal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Municipal Credit Union's net worth ratio is 11.93%, above the 7% NCUA threshold for well capitalized.
Is Municipal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Municipal Credit Union is a federally insured credit union (NCUA charter 60153): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Municipal Credit Union's key safety ratios?
For Q2 2026, Municipal Credit Union reports net worth 11.93%, delinquency 1.66%, ROA 1.20%, loan-to-share 75.09%.
What happens to my money if Municipal Credit Union fails?
For Q2 2026, Municipal Credit Union held $4.54B in shares and deposits for 651,236 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.