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New York Credit Union Performance
How the 269 credit unions based in New York are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
New York's 269 credit unions serve 7,417,017 members and hold $133.84B in combined assets. The median New York credit union earned a 0.70% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among New York credit unions was -0.68%, compared with -0.55% nationally. Median one-year asset growth was 3.76%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
New York at a glance
New York vs. the United States
System totals are the sum of every credit union based in New York. The share column is New York's portion of the national figure.
| Measure | New York | United States | New York share |
|---|---|---|---|
| Credit unions | 269 | 4,335 | 6.2% |
| Members | 7,417,017 | 147,031,529 | 5.0% |
| Residents (population) | 19,867,248 | 340,110,988 | 5.8% |
| Total assets | $133.84B | $2,507.50B | 5.3% |
| Total loans | $88.68B | $1,744.86B | 5.1% |
| Total shares & deposits | $114.34B | $2,143.21B | 5.3% |
| Total net worth | $14.54B | $282.23B | 5.2% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. New York credit unions report about 37 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large New York credit unions serve members in other states, so it overstates true in-state penetration.)
The median New York credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median New York CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.70% | 0.66% |
| Net worth ratio | 12.02% | 12.44% |
| Loan-to-share ratio | 59.43% | 67.86% |
| Delinquency ratio | 0.68% | 0.63% |
| Net charge-off ratio | 0.24% | 0.33% |
| Cost of funds | 0.78% | 1.05% |
| Member growth (1 yr) | -0.68% | -0.55% |
| Asset growth (1 yr) | 3.76% | 2.78% |
| Loan growth (1 yr) | 0.50% | 0.63% |
| Share growth (1 yr) | 3.53% | 2.36% |
| Net worth growth (1 yr) | 6.39% | 5.57% |
Trends over time
The median New York credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.74% · 0.72%
— New York ‑‑ U.S.
Net worth ratio 11.95% · 12.46%
— New York ‑‑ U.S.
Loan-to-share ratio 62.56% · 69.70%
— New York ‑‑ U.S.
Delinquency ratio 0.80% · 0.72%
— New York ‑‑ U.S.
Asset growth (1 yr) 3.52% · 3.26%
— New York ‑‑ U.S.
Member growth (1 yr) -0.76% · -0.52%
— New York ‑‑ U.S.
New York leaderboards
Largest by assets
- 1 Bethpage Credit Union $14.37B
- 2 ESL Credit Union $10.64B
- 3 United Nations Credit Union $10.48B
- 4 Teachers Credit Union $9.94B
- 5 State Employees Credit Union $9.20B
- 6 Hudson Valley Credit Union $8.11B
- 7 Visions Credit Union $5.25B
- 8 Municipal Credit Union $5.10B
- 9 Nassau Educators Credit Union $4.54B
- 10 Empower Credit Union $4.27B
Highest return on assets
- 1 GHS Credit Union 2.76%
- 2 Port Washington Credit Union 2.72%
- 3 Southern Chautauqua Credit Union 2.60%
- 4 Meridia Community Credit Union 2.39%
- 5 Alcan Employees Credit Union 2.38%
- 6 Olean Area Credit Union 2.28%
- 7 Syracuse Fire Department Employees Credit Union 2.13%
- 8 G.V.T.A. Credit Union 2.09%
- 9 St. Josephs Parish Buffalo Credit Union 2.09%
- 10 Western Division Credit Union 2.08%
Fastest-growing (organic)
- 1 Sidney Credit Union 18.60%
- 2 Port Washington Credit Union 15.83%
- 3 The Mary Imogene Bassett Hospital Credit Union 15.38%
- 4 Great Meadow Credit Union 14.53%
- 5 Mohawk Valley Credit Union 14.07%
- 6 Utica Gas & Electric Emp Credit Union 13.84%
- 7 North Franklin Credit Union 12.38%
- 8 ESL Credit Union 12.34%
- 9 Quorum Credit Union 12.25%
- 10 Saint Lawrence Credit Union 11.22%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in New York that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.