United Nations Federal Credit Union Long Island City, New York
United Nations Federal Credit Union is a federal credit union headquartered in Long Island City, NY, established in 1947 (NCUA charter 5588), and it is regulated and insured by the NCUA. At Q2 2026 it reported 266,891 members and total assets of $10.69B (up 6.8% from Q2 2025), the 3rd largest of 267 credit unions headquartered in New York. Its net worth ratio was 9.78% at Q2 2026, in the well capitalized band.
Also written as United Nations FCU · Trade name filed with the NCUA: UNFCU
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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
- 5588
- Headquarters
- Long Island City, NY
- Established
- 1947
- Total assets, Q2 2026
- $10.69B
- Assets vs Q2 2025
- +6.8%
- Members, Q2 2026
- 266,891
- Net worth ratio, Q2 2026
- 9.78%
- Latest call report
- Q2 2026, NCUA 5300 · United Nations Federal Credit Union call report
- Asset rank in state
- 3rd of 267 in New York
- Routing number
- 226078609
- Branches
- 3
It has 10,617 more members than on June 30, 2025 (+4.1%). Its net worth ratio was up 0.42 percentage points from 9.36% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $5.48B of $6.34B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.28% is below the 0.91% median of the 24 credit unions with $10B to $100B in assets for Q2 2026. Its 9.78% net worth ratio is below that band's 10.42% median.
Credit unions similar in size in New York
Frequently asked about United Nations Federal Credit Union
How big is United Nations Federal Credit Union?
At Q2 2026 it reported total assets of $10.69B and 266,891 members.
Where is United Nations Federal Credit Union headquartered?
It is headquartered in Long Island City, NY, United States.
When was United Nations Federal Credit Union founded?
It was established in 1947, per NCUA records.
Is United Nations Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 5588): 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 United Nations Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is United Nations Federal Credit Union well capitalized?
Its net worth ratio was 9.78% 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 United Nations Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.28% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is United Nations Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 66.03% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Long Island City, NY 11101
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1947
- NCUA Charter #
- 5588
- RSSD ID
- 752475
- Members
- 266,891
- Potential members
- 641,440
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 24 credit unions with $10B to $100B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 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: 9.55% to 11.84% | 9.78% | 10.42% | 32nd below |
| Return on assets Middle half of peers: 0.59% to 1.31% | 1.56% | 0.97% | 80th top |
| Return on equity Middle half of peers: 6.05% to 14.24% | 15.98% | 9.50% | over 90th top |
| Net interest margin Middle half of peers: 2.90% to 3.44% | 2.83% | 3.17% | 22nd bottom |
| Efficiency ratio Middle half of peers: 52.69% to 70.10% | 55.38% | 61.32% | 67th above |
| Cost of funds Middle half of peers: 1.69% to 2.02% | 1.21% | 1.88% | over 90th top |
| Delinquency ratio Middle half of peers: 0.64% to 1.27% | 0.28% | 0.91% | over 90th top |
| Yield on assets Middle half of peers: 4.90% to 5.36% | 4.05% | 5.07% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 81.23% to 93.33% | 66.03% | 89.87% | 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
$10.69B total assets against $10.01B; $9.60B total shares and deposits against $9.06B; $6.34B total loans against $5.96B.
$1.05B net worth against $937.3M.
9.78% net worth ratio against 9.36%.
66.03% loan-to-share ratio against 65.81%.
0.28% delinquency ratio against 0.34%.
1.56% return on assets against 1.17%; 15.98% return on equity against 12.45%.
2.83% net interest margin against 2.63%.
266,891 members against 256,274.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.78% | 1.56% | 0.28% | 66.03% |
| March 31, 2026 | 9.58% | 1.19% | 0.21% | 66.14% |
| December 31, 2025 | 9.47% | 0.59% | 0.25% | 67.70% |
| September 30, 2025 | 9.49% | 0.99% | 0.48% | 67.21% |
| June 30, 2025 | 9.36% | 1.17% | 0.34% | 65.81% |
| March 31, 2025 | 9.20% | 0.95% | 0.26% | 65.67% |
Scroll sideways to see every column.
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.