Credit Union Safety Analysis
Is Self Reliance Financial Federal Credit Union Safe? New York, New York
Based on its Q2 2026 NCUA 5300 call report, Self Reliance Financial Federal Credit Union has a net worth ratio of 17.16%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.63%, 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, Self Reliance Financial Federal Credit Union's net worth ratio is 17.16%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.16%
- Delinquency ratio (60+ days) (Q2 2026): 0.63%
- Return on assets (Q2 2026): 0.58%
- Loan-to-share ratio (Q2 2026): 81.39%
Self Reliance Financial Federal Credit Union (NCUA charter 7217, established 1951) reported $2.04B in assets and 31,640 members for Q2 2026 from New York, New York. It ranks 16 of 267 credit unions in New York by total assets. Total assets grew 41.5% from $1.44B on June 30, 2025. It has 16,854 more members than on June 30, 2025 (+114.0%). Its net worth ratio was down 0.64 percentage points from 17.80% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $797.7M of $1.40B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.63% 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: 17.07% for Q1 2026; 17.80% 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: 0.57% for Q1 2026; 0.47% 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: 0.45% for Q1 2026; 0.25% 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: 80.09% for Q1 2026; 73.70% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $797.7M
- Commercial loans: $561.8M
- Used vehicle loans: $23.8M
- New vehicle loans: $5.5M
- Unsecured credit card loans: $3.6M
- Other secured non-real estate loans and lines of credit: $2.8M
- Other unsecured loans and lines of credit: $938K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.04B | 17.16% | 0.63% | 0.58% | 81.39% |
| March 31, 2026 | $2.03B | 17.07% | 0.57% | 0.45% | 80.09% |
| December 31, 2025 | $2.01B | 15.03% | 0.60% | 0.54% | 79.96% |
| September 30, 2025 | $1.45B | 17.67% | 0.61% | 0.02% | 74.35% |
| June 30, 2025 | $1.44B | 17.80% | 0.47% | 0.25% | 73.70% |
| March 31, 2025 | $1.45B | 17.64% | 0.57% | -0.04% | 71.93% |
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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.
Self Reliance Financial Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 7217) · FFIEC NIC profile (RSSD 602682)
Frequently asked questions
Is Self Reliance Financial Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Self Reliance Financial Federal Credit Union's net worth ratio is 17.16%, above the 7% NCUA threshold for well capitalized.
Is Self Reliance Financial Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Self Reliance Financial Federal Credit Union is a federally insured credit union (NCUA charter 7217): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Self Reliance Financial Federal Credit Union's key safety ratios?
For Q2 2026, Self Reliance Financial Federal Credit Union reports net worth 17.16%, delinquency 0.63%, ROA 0.58%, loan-to-share 81.39%.
What happens to my money if Self Reliance Financial Federal Credit Union fails?
For Q2 2026, Self Reliance Financial Federal Credit Union held $1.72B in shares and deposits for 31,640 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.