NY Firefighters Bravest Federal Credit Union Albany, New York
NY Firefighters Bravest Federal Credit Union is a federal credit union headquartered in Albany, NY, established in 1935 (NCUA charter 609), and it is regulated and insured by the NCUA. At Q2 2026 it reported 4,799 members and total assets of $24.5M (up 1.4% from Q2 2025), the 173rd largest of 267 credit unions headquartered in New York. Its net worth ratio was 12.04% at Q2 2026, in the well capitalized band.
Also written as NY Firefighters Bravest FCU · Trade names filed with the NCUA: Uncle Sam Branch and RPI Employees Branch
BankRegReports is independent of NY Firefighters Bravest Federal Credit Union and never asks for online banking logins or passwords.
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
- 609
- Headquarters
- Albany, NY
- Established
- 1935
- Total assets, Q2 2026
- $24.5M
- Assets vs Q2 2025
- +1.4%
- Members, Q2 2026
- 4,799
- Net worth ratio, Q2 2026
- 12.04%
- Latest call report
- Q2 2026, NCUA 5300 · NY Firefighters Bravest Federal Credit Union call report
- Asset rank in state
- 173rd of 267 in New York
- Routing number
- 221373202
- Branches
- 4
It has 186 more members than on June 30, 2025 (+4.0%). Its net worth ratio was up 0.57 percentage points from 11.47% on June 30, 2025. New vehicle loans are its largest loan category, $7.6M of $20.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.42% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 12.04% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in New York
Credit unions merged into NY Firefighters Bravest Federal Credit Union
Frequently asked about NY Firefighters Bravest Federal Credit Union
How big is NY Firefighters Bravest Federal Credit Union?
At Q2 2026 it reported total assets of $24.5M and 4,799 members.
Where is NY Firefighters Bravest Federal Credit Union headquartered?
It is headquartered in Albany, NY, United States.
When was NY Firefighters Bravest Federal Credit Union founded?
It was established in 1935, per NCUA records.
Is NY Firefighters Bravest Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 609): 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 NY Firefighters Bravest Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is NY Firefighters Bravest Federal Credit Union well capitalized?
Its net worth ratio was 12.04% 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 NY Firefighters Bravest Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.42% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is NY Firefighters Bravest Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 90.24% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Albany, NY 12206
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 609
- RSSD ID
- 124876
- Members
- 4,799
- Potential members
- 9,500
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 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 12.04% | 14.31% | 32nd below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.95% | 0.72% | 60th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 7.87% | 4.74% | 70th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 7.01% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 89.01% | 79.83% | 30th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.74% | 0.78% | 52nd above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.42% | 0.86% | 72nd above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 7.75% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 90.24% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$24.5M total assets against $24.1M; $22.6M total shares and deposits against $21.4M; $20.4M total loans against $20.0M.
$2.9M net worth against $2.8M.
12.04% net worth ratio against 11.47%.
90.24% loan-to-share ratio against 93.48%.
0.42% delinquency ratio against 0.13%.
0.95% return on assets against 1.16%; 7.87% return on equity against 10.10%.
7.01% net interest margin against 6.57%.
4,799 members against 4,613.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.04% | 0.95% | 0.42% | 90.24% |
| March 31, 2026 | 11.68% | 0.20% | 0.15% | 90.65% |
| December 31, 2025 | 11.22% | 0.89% | 0.29% | 90.04% |
| September 30, 2025 | 11.69% | 1.10% | 0.15% | 94.26% |
| June 30, 2025 | 11.47% | 1.16% | 0.13% | 93.48% |
| March 31, 2025 | 10.86% | 0.74% | 0.07% | 90.32% |
Scroll sideways to see every column.
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.