credit union · NCUA 24862 · NY
How big is THE FINEST?
THE FINEST (NY, NCUA charter 24862) reported total assets of $36.0M, 12,767 members and a net worth ratio of 23.97% in its Call Report for 2026Q2. That ranks 2683 of 4,299 federally insured credit unions by assets, 290 of 1,135 among credit unions with $10m-$50m in assets, 150 of 268 credit unions in new york.
What stands out
THE FINEST (NY, NCUA charter 24862) reported total assets of $36.0M, 12,767 members and a net worth ratio of 23.97% in its Call Report for 2026Q2. That ranks 2683 of 4,299 federally insured credit unions by assets, 290 of 1,135 among credit unions with $10m-$50m in assets, 150 of 268 credit unions in new york. Against its size class: net worth ratio 23.97%, above the peer median of 13.88%; loan-to-share ratio 96.89%, above the peer median of 57.77%; return on assets 1.16%, above the peer median of 0.70%. At 23.97% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $36.0M | $25.2M | $46.8M | $68.3M | record → |
| Shares and deposits | $27.7M | $21.4M | $40.0M | $58.3M | record → |
| Loans outstanding | $26.9M | $11.2M | $21.7M | $34.4M | record → |
| Net income (year to date) | $209.4k | $82.1k | $175.9k | $222.2k | record → |
| Net worth | $8.6M | $3.4M | $6.2M | $9.0M | record → |
| Net worth ratio | 23.97% | 13.88% | 12.10% | 12.65% | record → |
| Loan-to-share ratio | 96.89% | 57.77% | 60.91% | 68.70% | computed |
| Return on assets | 1.16% | 0.70% | 0.77% | 0.71% | computed |
| Members | 12,767 | 2,092 | 3,212 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $36.0M | $27.7M | $26.9M | $209.4k | 23.97% | 12,767 | 2683 |
| 2026Q1 | $35.8M | $27.6M | $27.5M | $96.7k | 23.82% | 12,316 | 2703 |
| 2025Q4 | $34.5M | $27.9M | $29.4M | $1.7M | 24.43% | 12,125 | 2730 |
| 2025Q3 | $34.2M | $25.9M | $30.4M | $2.1M | 25.58% | 11,553 | 2744 |
| 2025Q2 | $33.0M | $26.0M | $30.0M | $789.2k | 22.62% | 10,997 | 2797 |
| 2025Q1 | $33.1M | $26.1M | $28.9M | $578.7k | 21.94% | 10,527 | 2815 |
| 2024Q4 | $30.0M | $25.1M | $28.1M | $557.1k | 22.23% | 10,022 | 2893 |
| 2024Q3 | $30.7M | $24.0M | $28.0M | $785.0k | 22.53% | 9,565 | 2893 |
| 2024Q2 | $29.6M | $23.5M | $26.4M | $361.7k | 20.15% | 9,010 | 2933 |
| 2024Q1 | $30.0M | $24.2M | $24.4M | $152.4k | 19.17% | 8,528 | 2947 |
| 2023Q4 | $27.8M | $22.1M | $24.2M | $2.3M | 20.14% | 8,182 | 3022 |
| 2023Q3 | $28.1M | $22.8M | $23.6M | $2.0M | 18.89% | 7,802 | 3031 |
| 2023Q2 | $26.1M | $22.1M | $23.5M | $619.6k | 14.89% | 7,446 | 3119 |
| 2023Q1 | $25.7M | $21.8M | $23.0M | $63.9k | 12.99% | 8,085 | 3150 |
| 2022Q4 | $25.3M | $21.2M | $21.8M | $464.9k | 12.91% | 7,732 | 3175 |
| 2022Q3 | $23.0M | $19.6M | $19.1M | $396.7k | 13.90% | 7,075 | 3289 |
| 2022Q2 | $23.2M | $20.0M | $17.5M | $278.9k | 13.31% | 6,618 | 3291 |
| 2022Q1 | $19.8M | $17.1M | $15.2M | $179.2k | 15.09% | 6,141 | 3438 |
| 2021Q4 | $18.7M | $15.8M | $15.0M | $1.6M | 15.00% | 5,932 | 3486 |
| 2021Q3 | $17.0M | $14.7M | $13.5M | $1.5M | 16.09% | 5,585 | 3572 |
| 2021Q2 | $15.2M | $13.8M | $12.6M | $-15.2k | 7.90% | 5,359 | 3687 |
| 2021Q1 | $15.5M | $14.2M | $12.0M | $31.4k | 8.07% | 5,245 | 3678 |
| 2020Q4 | $15.5M | $14.2M | $12.0M | $358.4k | 7.88% | 5,112 | 3647 |
| 2020Q3 | $13.1M | $12.7M | $10.7M | $-166.8k | 5.35% | 4,890 | 3799 |
| 2020Q2 | $13.3M | $12.1M | $10.3M | $-33.4k | 6.69% | 4,813 | 3778 |
| 2020Q1 | $13.4M | $12.1M | $10.9M | $12.4k | 7.52% | 4,830 | 3720 |
| 2019Q4 | $11.6M | $10.3M | $10.7M | $173.7k | 7.38% | 5,129 | 3870 |
| 2019Q3 | $11.0M | $9.6M | $10.2M | $268.4k | 8.66% | 5,286 | 3933 |
| 2019Q2 | $10.3M | $8.7M | $9.1M | $354.6k | 10.11% | 4,960 | 4010 |
| 2019Q1 | $9.8M | $7.6M | $8.1M | $524.6k | 12.37% | 4,538 | 4075 |
| 2018Q4 | $8.3M | $7.0M | $7.3M | $184.3k | 8.28% | 4,293 | 4223 |
| 2018Q3 | $7.5M | $6.0M | $6.4M | $107.3k | 8.15% | 4,081 | 4347 |
| 2018Q2 | $7.6M | $5.9M | $5.8M | $206.3k | 9.36% | 3,799 | 4362 |
| 2018Q1 | $7.4M | $6.1M | $5.6M | $293.6k | 10.75% | 3,587 | 4404 |
| 2017Q4 | $6.6M | $5.6M | $5.2M | $-369.2k | 7.62% | 3,111 | 4505 |
| 2017Q3 | $5.9M | $5.0M | $4.4M | $-268.4k | 10.26% | 2,741 | 4639 |
| 2017Q2 | $5.5M | $4.8M | $3.9M | $-189.2k | 12.42% | 2,350 | 4735 |
| 2017Q1 | $5.1M | $4.3M | $3.5M | $-88.1k | 15.38% | 2,061 | 4825 |
| 2016Q4 | $4.9M | $3.9M | $3.4M | $-721.2k | 17.81% | 2,357 | 4875 |
| 2016Q3 | $4.8M | $3.8M | $3.2M | $-605.8k | 20.53% | 2,237 | 4925 |
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