Credit Union Safety Analysis
Is Port Washington Federal Credit Union Safe? Port Washington, New York
Based on its Q2 2026 NCUA 5300 call report, Port Washington Federal Credit Union has a net worth ratio of 15.31%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 4.28%, 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, Port Washington Federal Credit Union's net worth ratio is 15.31%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.31%
- Delinquency ratio (60+ days) (Q2 2026): 4.28%
- Return on assets (Q2 2026): 2.01%
- Loan-to-share ratio (Q2 2026): 108.05%
Port Washington Federal Credit Union (NCUA charter 18635, established 1968) reported $109.9M in assets and 3,026 members for Q2 2026 from Port Washington, New York. It ranks 85 of 267 credit unions in New York by total assets. Total assets grew 20.3% from $91.3M on June 30, 2025. It has 14 fewer members than on June 30, 2025 (-0.5%). Its net worth ratio was down 0.74 percentage points from 16.05% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $97.3M of $100.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 4.28% is above 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: 16.02% for Q1 2026; 16.05% 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: 5.08% for Q1 2026; 5.28% 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: 2.53% for Q1 2026; 2.23% 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: 107.31% for Q1 2026; 98.14% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $97.3M
- Other unsecured loans and lines of credit: $1.0M
- Used vehicle loans: $817K
- Commercial loans: $792K
- Unsecured credit card loans: $355K
- New vehicle loans: $166K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $109.9M | 15.31% | 4.28% | 2.01% | 108.05% |
| March 31, 2026 | $101.6M | 16.02% | 5.08% | 2.53% | 107.31% |
| December 31, 2025 | $95.4M | 16.39% | 5.31% | 2.18% | 106.06% |
| September 30, 2025 | $90.8M | 16.65% | 7.52% | 2.01% | 98.13% |
| June 30, 2025 | $91.3M | 16.05% | 5.28% | 2.23% | 98.14% |
| March 31, 2025 | $87.7M | 16.13% | 4.33% | 1.81% | 103.44% |
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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.
Port Washington Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 18635) · FFIEC NIC profile (RSSD 973382)
Frequently asked questions
Is Port Washington Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Port Washington Federal Credit Union's net worth ratio is 15.31%, above the 7% NCUA threshold for well capitalized.
Is Port Washington Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Port Washington Federal Credit Union is a federally insured credit union (NCUA charter 18635): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Port Washington Federal Credit Union's key safety ratios?
For Q2 2026, Port Washington Federal Credit Union reports net worth 15.31%, delinquency 4.28%, ROA 2.01%, loan-to-share 108.05%.
What happens to my money if Port Washington Federal Credit Union fails?
For Q2 2026, Port Washington Federal Credit Union held $93.0M in shares and deposits for 3,026 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.