Credit Union Safety Analysis
Is Southern Baptist Church of New York Federal Credit Union Safe? New York, New York
Based on its Q2 2026 NCUA 5300 call report, Southern Baptist Church of New York Federal Credit Union has a net worth ratio of 18.59%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, Southern Baptist Church of New York Federal Credit Union's net worth ratio is 18.59%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 18.59%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): -3.17%
- Loan-to-share ratio (Q2 2026): 53.44%
Southern Baptist Church of New York Federal Credit Union (NCUA charter 23177, established 1978) reported $77K in assets and 105 members for Q2 2026 from New York, New York. It ranks 267 of 267 credit unions in New York by total assets. Total assets fell 7.3% from $83K on June 30, 2025. It had the same number of members on June 30, 2025. Its net worth ratio was up 2.74 percentage points from 15.85% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $34K of $34K in total loans on its June 30, 2026 filing.
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: 19.31% for Q1 2026; 15.85% 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%.
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: 3.22% for Q1 2026; 3.50% 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: 57.49% for Q1 2026; 58.02% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $34K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $77K | 18.59% | — | -3.17% | 53.44% |
| March 31, 2026 | $78K | 19.31% | — | 3.22% | 57.49% |
| December 31, 2025 | $77K | 18.57% | — | -2.99% | 61.12% |
| September 30, 2025 | $78K | 17.17% | — | 4.99% | 62.35% |
| June 30, 2025 | $83K | 15.85% | — | 3.50% | 58.02% |
| March 31, 2025 | $83K | 15.06% | — | 1.98% | 61.53% |
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Free to use. It shows Southern Baptist Church of New York Federal Credit Union’s latest filed figures and updates each quarter.
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.
Southern Baptist Church of New York Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 23177) · FFIEC NIC profile (RSSD 848686)
Frequently asked questions
Is Southern Baptist Church of New York Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Southern Baptist Church of New York Federal Credit Union's net worth ratio is 18.59%, above the 7% NCUA threshold for well capitalized.
Is Southern Baptist Church of New York Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Southern Baptist Church of New York Federal Credit Union is a federally insured credit union (NCUA charter 23177): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Southern Baptist Church of New York Federal Credit Union's key safety ratios?
For Q2 2026, Southern Baptist Church of New York Federal Credit Union reports net worth 18.59%, delinquency not reported, ROA -3.17%, loan-to-share 53.44%.
What happens to my money if Southern Baptist Church of New York Federal Credit Union fails?
For Q2 2026, Southern Baptist Church of New York Federal Credit Union held $63K in shares and deposits for 105 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.