St. Philips Church Federal Credit Union New York, New York
St. Philips Church Federal Credit Union is a federal credit union headquartered in New York, NY, established in 1951 (NCUA charter 7172), and it is regulated and insured by the NCUA. At Q2 2026 it reported 297 members and total assets of $1.3M (little changed from Q2 2025), the 244th largest of 267 credit unions headquartered in New York. Its net worth ratio was 35.45% at Q2 2026, in the well capitalized band.
Also written as St. Philips Church FCU
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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
- 7172
- Headquarters
- New York, NY
- Established
- 1951
- Total assets, Q2 2026
- $1.3M
- Assets vs Q2 2025
- 0.0%
- Members, Q2 2026
- 297
- Net worth ratio, Q2 2026
- 35.45%
- Latest call report
- Q2 2026, NCUA 5300 · St. Philips Church Federal Credit Union call report
- Asset rank in state
- 244th of 267 in New York
- Routing number
- 226078447
- Branches
- 2
It has 12 fewer members than on June 30, 2025 (-3.9%). Its net worth ratio was up 2.02 percentage points from 33.43% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $94K of $127K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 10.67% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 35.45% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in New York
Frequently asked about St. Philips Church Federal Credit Union
How big is St. Philips Church Federal Credit Union?
At Q2 2026 it reported total assets of $1.3M and 297 members.
Where is St. Philips Church Federal Credit Union headquartered?
It is headquartered in New York, NY, United States.
When was St. Philips Church Federal Credit Union founded?
It was established in 1951, per NCUA records.
Is St. Philips Church Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 7172): 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 St. Philips Church Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is St. Philips Church Federal Credit Union well capitalized?
Its net worth ratio was 35.45% 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 St. Philips Church Federal Credit Union's delinquency ratio?
Its delinquency ratio was 10.67% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is St. Philips Church Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 15.95% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- New York, NY 10030
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1951
- NCUA Charter #
- 7172
- RSSD ID
- 183583
- Members
- 297
- Potential members
- 1,000
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 3 of 4 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 35.45% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 5.52% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 15.57% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | not on file | 3.93% | not on file |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | not on file | 0.78% | not on file |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 10.67% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 7.12% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 15.95% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.3M total assets against $1.3M; $799K total shares and deposits against $826K; $127K total loans against $60K.
$449K net worth against $424K.
35.45% net worth ratio against 33.43%.
15.95% loan-to-share ratio against 7.29%.
10.67% delinquency ratio against 23.65%.
5.52% return on assets against 1.50%; 15.57% return on equity against 4.49%.
297 members against 309.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 35.45% | 5.52% | 10.67% | 15.95% |
| March 31, 2026 | 34.04% | 1.21% | 11.49% | 14.49% |
| December 31, 2025 | 33.82% | 0.26% | 10.93% | 15.25% |
| September 30, 2025 | 33.57% | 1.02% | 23.92% | 6.93% |
| June 30, 2025 | 33.43% | 1.50% | 23.65% | 7.29% |
| March 31, 2025 | 33.13% | -0.02% | 23.65% | 7.27% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.