Credit Union Safety Analysis
Is N Y Team Federal Credit Union Safe? Hicksville, New York
Based on its Q2 2026 NCUA 5300 call report, N Y Team Federal Credit Union has a net worth ratio of 7.12%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.87%, 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 Y Team Federal Credit Union's net worth ratio is 7.12%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.12%
- Delinquency ratio (60+ days) (Q2 2026): 0.87%
- Return on assets (Q2 2026): 0.79%
- Loan-to-share ratio (Q2 2026): 73.69%
N Y Team Federal Credit Union (NCUA charter 19216, established 1969) reported $43.5M in assets and 5,133 members for Q2 2026 from Hicksville, New York. It ranks 140 of 267 credit unions in New York by total assets. Total assets grew 1.5% from $42.9M on June 30, 2025. It has 42 fewer members than on June 30, 2025 (-0.8%). Its net worth ratio was up 0.44 percentage points from 6.68% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $14.3M of $29.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.87% 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: 6.74% for Q1 2026; 6.68% 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: 0.41% for Q1 2026; 0.71% 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: 0.63% for Q1 2026; 0.24% 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: 68.85% for Q1 2026; 61.36% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $14.3M
- Used vehicle loans: $5.5M
- Other unsecured loans and lines of credit: $4.6M
- Other secured non-real estate loans and lines of credit: $2.0M
- New vehicle loans: $1.8M
- Unsecured credit card loans: $1.4M
- Commercial loans: $267K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $43.5M | 7.12% | 0.87% | 0.79% | 73.69% |
| March 31, 2026 | $44.7M | 6.74% | 0.41% | 0.63% | 68.85% |
| December 31, 2025 | $43.6M | 6.85% | 0.47% | 0.60% | 70.06% |
| September 30, 2025 | $43.1M | 6.68% | 0.60% | 0.62% | 67.81% |
| June 30, 2025 | $42.9M | 6.68% | 0.71% | 0.24% | 61.36% |
| March 31, 2025 | $42.2M | 6.60% | 0.74% | 0.44% | 58.17% |
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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 Y Team Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 19216) · FFIEC NIC profile (RSSD 948586)
Frequently asked questions
Is N Y Team Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, N Y Team Federal Credit Union's net worth ratio is 7.12%, above the 7% NCUA threshold for well capitalized.
Is N Y Team Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. N Y Team Federal Credit Union is a federally insured credit union (NCUA charter 19216): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are N Y Team Federal Credit Union's key safety ratios?
For Q2 2026, N Y Team Federal Credit Union reports net worth 7.12%, delinquency 0.87%, ROA 0.79%, loan-to-share 73.69%.
What happens to my money if N Y Team Federal Credit Union fails?
For Q2 2026, N Y Team Federal Credit Union held $40.5M in shares and deposits for 5,133 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.