Credit Union Safety Analysis
Is Polish & Slavic Federal Credit Union Safe? Brooklyn, New York
Based on its Q2 2026 NCUA 5300 call report, Polish & Slavic Federal Credit Union has a net worth ratio of 11.32%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.31%, 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, Polish & Slavic Federal Credit Union's net worth ratio is 11.32%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.32%
- Delinquency ratio (60+ days) (Q2 2026): 0.31%
- Return on assets (Q2 2026): 0.27%
- Loan-to-share ratio (Q2 2026): 66.35%
Polish & Slavic Federal Credit Union (NCUA charter 22592, established 1976) reported $2.74B in assets and 128,925 members for Q2 2026 from Brooklyn, New York. It ranks 14 of 267 credit unions in New York by total assets. Total assets grew 2.7% from $2.66B on June 30, 2025. It has 4,217 more members than on June 30, 2025 (+3.4%). Its net worth ratio was up 0.52 percentage points from 10.80% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $995.0M of $1.65B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.31% is below 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: 11.26% for Q1 2026; 10.80% 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: 0.26% for Q1 2026; 0.44% 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: 0.77% for Q1 2026; 0.64% 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: 64.98% for Q1 2026; 64.53% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $995.0M
- Commercial loans: $396.6M
- New vehicle loans: $100.9M
- Used vehicle loans: $99.4M
- Unsecured credit card loans: $46.6M
- Other unsecured loans and lines of credit: $6.1M
- Non-federally guaranteed student loans: $3.2M
- Other secured non-real estate loans and lines of credit: $3.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.74B | 11.32% | 0.31% | 0.27% | 66.35% |
| March 31, 2026 | $2.73B | 11.26% | 0.26% | 0.77% | 64.98% |
| December 31, 2025 | $2.71B | 11.15% | 0.49% | 0.79% | 64.93% |
| September 30, 2025 | $2.69B | 11.04% | 0.49% | 1.53% | 64.37% |
| June 30, 2025 | $2.66B | 10.80% | 0.44% | 0.64% | 64.53% |
| March 31, 2025 | $2.65B | 10.70% | 0.23% | 0.67% | 63.93% |
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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.
Polish & Slavic Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 22592) · FFIEC NIC profile (RSSD 405388)
Frequently asked questions
Is Polish & Slavic Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Polish & Slavic Federal Credit Union's net worth ratio is 11.32%, above the 7% NCUA threshold for well capitalized.
Is Polish & Slavic Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Polish & Slavic Federal Credit Union is a federally insured credit union (NCUA charter 22592): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Polish & Slavic Federal Credit Union's key safety ratios?
For Q2 2026, Polish & Slavic Federal Credit Union reports net worth 11.32%, delinquency 0.31%, ROA 0.27%, loan-to-share 66.35%.
What happens to my money if Polish & Slavic Federal Credit Union fails?
For Q2 2026, Polish & Slavic Federal Credit Union held $2.49B in shares and deposits for 128,925 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.