Credit Union Safety Analysis
Is Union Baptist Greenburgh Federal Credit Union Safe? White Plains, New York
Based on its Q2 2026 NCUA 5300 call report, Union Baptist Greenburgh Federal Credit Union has a net worth ratio of 29.07%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 4.08%, 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, Union Baptist Greenburgh Federal Credit Union's net worth ratio is 29.07%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 29.07%
- Delinquency ratio (60+ days) (Q2 2026): 4.08%
- Return on assets (Q2 2026): 1.51%
- Loan-to-share ratio (Q2 2026): 36.86%
Union Baptist Greenburgh Federal Credit Union (NCUA charter 16790, established 1965) reported $337K in assets and 152 members for Q2 2026 from White Plains, New York. It ranks 262 of 267 credit unions in New York by total assets. Total assets fell 15.7% from $400K on June 30, 2025. It has 16 fewer members than on June 30, 2025 (-9.5%). Its net worth ratio was up 3.61 percentage points from 25.46% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $88K of $88K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 4.08% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
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: 29.45% for Q1 2026; 25.46% 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%.
Earlier filings: 21.23% for Q1 2026; 18.30% for Q2 2025.
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: -4.04% for Q1 2026; -2.82% 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: 25.17% for Q1 2026; 29.27% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $88K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $337K | 29.07% | 4.08% | 1.51% | 36.86% |
| March 31, 2026 | $328K | 29.45% | 21.23% | -4.04% | 25.17% |
| December 31, 2025 | $360K | 27.77% | 17.90% | -4.36% | 26.59% |
| September 30, 2025 | $388K | 26.65% | 19.79% | 1.74% | 29.09% |
| June 30, 2025 | $400K | 25.46% | 18.30% | -2.82% | 29.27% |
| March 31, 2025 | $408K | 25.46% | 21.36% | -10.05% | 28.38% |
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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.
Union Baptist Greenburgh Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 16790) · FFIEC NIC profile (RSSD 301480)
Frequently asked questions
Is Union Baptist Greenburgh Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Union Baptist Greenburgh Federal Credit Union's net worth ratio is 29.07%, above the 7% NCUA threshold for well capitalized.
Is Union Baptist Greenburgh Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Union Baptist Greenburgh Federal Credit Union is a federally insured credit union (NCUA charter 16790): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Union Baptist Greenburgh Federal Credit Union's key safety ratios?
For Q2 2026, Union Baptist Greenburgh Federal Credit Union reports net worth 29.07%, delinquency 4.08%, ROA 1.51%, loan-to-share 36.86%.
What happens to my money if Union Baptist Greenburgh Federal Credit Union fails?
For Q2 2026, Union Baptist Greenburgh Federal Credit Union held $239K in shares and deposits for 152 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.