TellerScore

N C P D Federal Credit Union (NCUA charter #3850) is based in Plainview, New York. Its Q2 2026 call report shows $908.8M in total assets and $747.9M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, N C P D Federal Credit Union scores 87/100, which we describe as very strong. That is higher than 91% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 37th. Its strongest component is capital cushion (100/100; 16.58%), and its lowest is earnings (50/100; 0.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.58%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.29%
Earnings50/100
Return on assets (annualized): 0.74%
Funding & liquidity100/100
Loans ÷ shares: 44.3% · 15.1% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.64%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (86 → 87).

TellerScore
848789Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202484
Q3 202484
Q4 202485
Q1 202588
Q2 202586
Q3 202587
Q4 202587
Q1 202689
Q2 202687
Net worth ratio
7.00%11.79%16.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.61%
Q3 202415.46%
Q4 202415.84%
Q1 202515.74%
Q2 202516.13%
Q3 202516.25%
Q4 202516.30%
Q1 202616.24%
Q2 202616.58%
Delinquent loans (60+ days)
0.09%0.27%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.34%
Q3 20240.46%
Q4 20240.33%
Q1 20250.14%
Q2 20250.42%
Q3 20250.30%
Q4 20250.30%
Q1 20260.09%
Q2 20260.29%
Return on assets
0.43%0.59%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.43%
Q3 20240.48%
Q4 20240.50%
Q1 20250.62%
Q2 20250.66%
Q3 20250.67%
Q4 20250.67%
Q1 20260.67%
Q2 20260.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$908.8M16.58%0.29%0.74%44.3%
Q1 202689$916.0M16.24%0.09%0.67%44.1%
Q4 202587$903.7M16.30%0.30%0.67%45.5%
Q3 202587$897.0M16.25%0.30%0.67%45.3%
Q2 202586$894.2M16.13%0.42%0.66%45.5%
Q1 202588$906.1M15.74%0.14%0.62%44.8%
Q4 202485$891.8M15.84%0.33%0.50%44.6%
Q3 202484$905.9M15.46%0.46%0.48%45.4%
Q2 202484$888.6M15.61%0.34%0.43%43.4%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.58%
92nd
Problem loans0.29%
83rd
Net charge-offs0.09%
86th
Return on assets0.74%
50th
Loans to deposits44.3%
94th
Uninsured deposits15.1%
5th
Loan-loss reserves0.00%
50th
Texas ratio0.6%
93rd

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Deposit insurance

Is my money safe at N C P D Federal Credit Union?

Yes. N C P D Federal Credit Union is a federally insured credit union (NCUA charter #3850). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 15.1% of shares and deposits ($112.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 16.58%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

N C P D Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, N C P D Federal Credit Union reported 42 home-loan applications under HMDA (LEI 549300NPANOIK7XYK714): 39 originated ($17,965,000 total), 1 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
N C P D Federal Credit Union
Type
Federal credit union
NCUA charter #
3850
RSSD ID
308573
Primary regulator
NCUA
Established
1940
Headquarters
777 Old Country Rd, Plainview, NY 11803
Employees
37

Quick answers

N C P D Federal Credit Union: common questions

Is N C P D Federal Credit Union NCUA insured?

Yes. N C P D Federal Credit Union is a federally insured credit union (NCUA charter #3850). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is N C P D Federal Credit Union's TellerScore?

87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does N C P D Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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