Credit union · NCUA insured
The Finest Federal Credit Union
A $35.8M credit union headquartered in New York, NY, with 12,316 members and 1 branch in New York. Best rates: CDs 3.56% and savings 0.50% APY.
The Finest Federal Credit Union Carrot Score
71
Carrot Score
Higher than 29% of U.S. banks and credit unions
#109 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 The Finest Federal Credit Union
- Headquarters
- 215 Park Row, Suite 2, New York, NY 10038
- NCUA charter
- 24862
Branches
1 branch in New York
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New York
1 branch
- Main Branch - Police PlazaMain office215 Park Row, Suite 2, New York, NY 10038Directions
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 | 23.97% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.17% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.19% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $97 | $59 | — |
- CapitalNet worth ratio23.97%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.17%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.19%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$97Peers’ 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 The Finest 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.