Credit union · NCUA insured
NY TEAM Federal Credit Union
A $44.7M credit union headquartered in Ronkonkoma, NY, with 5,170 members and 3 branches in New York. Best rates: CDs 4.40% and savings 0.25% APY.
NY TEAM Federal Credit Union Carrot Score
71
Carrot Score
Higher than 28% of U.S. banks and credit unions
#111 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About NY TEAM Federal Credit Union
Founded in 1969, NY TEAM Federal Credit Union is a member-owned financial cooperative created by rail road employees for rail road employees and their families.
The credit union operates three branch offices located at Jamaica Train Station, Hillside Facility, and Ronkonkoma.
- Headquarters
- 4155 Veterans Memorial Hwy Ste 7, Ronkonkoma, NY 11779
- NCUA charter
- 19216
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or members of qualifying select employer groups and organizations (including Long Island Rail Road, MTA, Staten Island Rapid Transit, Amtrak, Conrail, NJ Transit, Metro North, Aeroflex, Eagle Electric, This Week Publications, Visiting Nurses, NCC, and White Rose) are eligible for membership.
- Employees of Credit Union Trade Associations (including NY TEAM Federal Credit Union, N.Y. Credit Union League, Credit Union National Association in Washington, and National Association of Federal Credit Unions) are eligible for membership.
Family and household
- Any relative by blood or marriage of a current NY TEAM Federal Credit Union member is eligible to join regardless of where they live or work.
Cost to join
- A deposit of $1.00 must be deposited and maintained in a regular share account to open and maintain membership.
Branches
3 branches in New York
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New York
3 branches
- Eilleen Young Financial Family CenterMain office4155 Veterans Memorial Hwy Ste 7, Ronkonkoma, NY 11779Directions
- Hillside Branch - Disaster Recovery9359 183rd St, Hollis, NY 11423Directions
- Jamaica Branch14601 Archer Ave, Jamaica, NY 11435Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.12% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.87% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.72% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $74 | $59 | — |
- CapitalNet worth ratio7.12%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.87%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.72%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$74Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of NY TEAM Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.