Unverified listing What this means
The Lender Report built this page from public records. Neighborhood Trust Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Neighborhood Trust Credit Union itself. Each figure shows its source and date. Work at Neighborhood Trust Credit Union? You can claim this page for free.
Credit union, New York, NY
Neighborhood Trust Credit Union
A credit union based in New York, NY. Its commercial book is mostly owner-occupied CRE. Public files show recent SBA 7(a) loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $1.60M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 0
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 4
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $20.3M
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 212-740-0900 From the NCUA record, June 30, 2026.
- Website
- www.neighborhoodtrustfcu.orgFrom the NCUA record, November 9, 2026.
- Names it files under
- NEIGHBORHOOD TRUST; Neighborhood Trust Federal Credit UnionNCUA 5300,
- Address
- 1112 Saint Nicholas Ave, New York, NY 10032NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Community credit unions. Designated low-income by NCUA.
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| October 21, 2026 | Certified by the CDFI Fund as a Community Development Financial Institution.Membership in a public list, not lending volume. | CDFI Fund certified list, |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Feb 2025 | New York | SBA 7(a), All Other Legal Services | $15K | 11.5% | 4 yr | SBA FOIA | |
| Oct 2024 | New York | SBA 7(a), Caterers | $200K | 9.5% | 7 yr | SBA FOIA | |
| Oct 2024 | New York | SBA 7(a), Offices of Real Estate Agents and Brokers | $25K | 11% | 3 yr | SBA FOIA | |
| Oct 2024 | New York | SBA 7(a), Janitorial Services | $20K | 11% | 4 yr | SBA FOIA | |
| 4 SBA 7(a) loans since October 2023, net of cancelled | $260K | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $423K | 2.8% | Not reported | 4 | $106K |
| Construction and land development | $0 | 0.0% | Not reported | 0 | Not reported |
| Owner-occupied CRE | $1.12M | 7.4% | Not reported | 2 | $559K |
| Non-owner-occupied CRE | $0 | 0.0% | Not reported | 0 | Not reported |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $54.9K | 0.4% | Not reported | 1 | $54.9K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $1.60M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $1.26M |
| Q4 2023 | $1.25M |
| Q1 2024 | $1.23M |
| Q2 2024 | $1.22M |
| Q3 2024 | $1.39M |
| Q4 2024 | $1.29M |
| Q1 2025 | $1.10M |
| Q2 2025 | $1.08M |
| Q3 2025 | $1.06M |
| Q4 2025 | $1.64M |
| Q1 2026 | $1.62M |
| Q2 2026 | $1.60M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 4 | $260K | $22.0K | $200K | SBA FOIA, |
How these public files were tied to this lender. SBA 7(a) loans: its NCUA charter number.
| Book | Average loan |
|---|---|
| Multifamily | $106K |
| Owner-occupied CRE | $559K |
| Commercial and industrial | $54.9K |
Programs on record: Federal Home Loan Bank member, New York district (FHFA).
Program lists that name this lender
Membership, not lending volume
- Listed by CDFI Fund: List of Certified CDFIs as: Certified CDFI (October 21, 2026). Certified by the CDFI Fund as a Community Development Financial Institution. Kind of institution: Credit Union. Certification: Certified by the CDFI Fund since 2014-03-31.
Being on a list says the lender is a member of that program on the date shown. It does not say how much it lends.
Where it lends
Offices beside loans on record
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $2.48M | $1.50M to $10.8M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $1.06M | $0 to $5.20M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 42.5% | 0.0% to 104.0% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $849K | $128K to $1.30M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 7.5% | 0.0% to 44.4% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 74.9% | 35.0% to 87.5% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Local 804 Credit Union | NY | $22.5M | $1.06M |
| Brooklyn Cooperative Credit Union | NY | $55.9M | $6.47M |
| Eastern Operating Engineers Credit Union | NY | $88.6M | $387K |
| Transfiguration Parish Credit Union | NY | $12.9M | $236K |
| Temple Santa Fe Community Credit Union | TX | $24.0M | $240K |
| Syracuse Cooperative Credit Union | NY | $47.2M | $2.53M |
| Jemez Valley Credit Union | NM | $27.3M | $142K |
| Virginia United Methodist Credit Union | VA | $15.0M | $2.24M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it made any commercial real estate loans in the first half of 2026. It reported none, and the 5300 covers only what it files.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Neighborhood Trust Credit Union, NCUA charter 24589. Compare it with the regulator's record. [NCUA profile]
- Balances. $20.3M in total assets and $1.60M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. Your NCUA Form 5300 for June 30, 2026 reports no commercial loans made, and 4 loans in SBA files, through September 30, 2026: 4 SBA 7(a) in 36 months. [How each file was tied to Neighborhood Trust Credit Union]
- Phone and website. Phone 212-740-0900, from the NCUA record. Website neighborhoodtrustfcu.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 24589
- RSSD
- 2561952
- The Lender Report ID
- lr_007377
- Main office county
- New York
- Members
- 3,019
- NCUA region
- 1 - Eastern
NCUA credit union details,
- Reported $20.3M in total assets as of June 30, 2026 (NCUA 5300).
- Held $1.6M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $1.1M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $423K of multifamily loans as of June 30, 2026 (NCUA 5300).
- Held $55K of commercial and industrial loans as of June 30, 2026 (NCUA 5300).
- Recorded 4 SBA 7(a) approvals totaling $260K from October 1, 2023 to September 30, 2026 (SBA).
3 more sentences
- Held $540K of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 2 offices in 2 states (NCUA).
- Certified by the CDFI Fund as a Community Development Financial Institution. (CDFI Fund list, as of October 21, 2026).
Cite this
Source: The Lender Report, Neighborhood Trust Credit Union, https://lender.report/lender/neighborhood-trust-credit-union-ny/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
- CDFI Fund certified list, October 21, 2026
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Work at Neighborhood Trust Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem