Credit Union Safety Analysis
Is N C P D Federal Credit Union Safe? Plainview, New York
Based on its Q2 2026 NCUA 5300 call report, N C P D Federal Credit Union has a net worth ratio of 16.58%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.29%, 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, N C P D Federal Credit Union's net worth ratio is 16.58%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.58%
- Delinquency ratio (60+ days) (Q2 2026): 0.29%
- Return on assets (Q2 2026): 0.82%
- Loan-to-share ratio (Q2 2026): 44.33%
N C P D Federal Credit Union (NCUA charter 3850, established 1940) reported $908.8M in assets and 16,390 members for Q2 2026 from Plainview, New York. It ranks 25 of 267 credit unions in New York by total assets. Total assets grew 1.6% from $894.2M on June 30, 2025. It has 63 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was up 0.45 percentage points from 16.13% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $298.5M of $331.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.29% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 16.24% for Q1 2026; 16.13% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.09% for Q1 2026; 0.42% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.67% for Q1 2026; 0.70% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 44.12% for Q1 2026; 45.48% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $298.5M
- Other unsecured loans and lines of credit: $14.3M
- Used vehicle loans: $5.6M
- Unsecured credit card loans: $5.4M
- New vehicle loans: $5.2M
- Other secured non-real estate loans and lines of credit: $2.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $908.8M | 16.58% | 0.29% | 0.82% | 44.33% |
| March 31, 2026 | $916.0M | 16.24% | 0.09% | 0.67% | 44.12% |
| December 31, 2025 | $903.7M | 16.30% | 0.30% | 0.67% | 45.46% |
| September 30, 2025 | $897.0M | 16.25% | 0.30% | 0.69% | 45.29% |
| June 30, 2025 | $894.2M | 16.13% | 0.42% | 0.70% | 45.48% |
| March 31, 2025 | $906.1M | 15.74% | 0.14% | 0.62% | 44.80% |
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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.
N C P D Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 3850) · FFIEC NIC profile (RSSD 308573)
Frequently asked questions
Is N C P D Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, N C P D Federal Credit Union's net worth ratio is 16.58%, above the 7% NCUA threshold for well capitalized.
Is N C P D Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. N C P D Federal Credit Union is a federally insured credit union (NCUA charter 3850): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are N C P D Federal Credit Union's key safety ratios?
For Q2 2026, N C P D Federal Credit Union reports net worth 16.58%, delinquency 0.29%, ROA 0.82%, loan-to-share 44.33%.
What happens to my money if N C P D Federal Credit Union fails?
For Q2 2026, N C P D Federal Credit Union held $747.9M in shares and deposits for 16,390 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.