Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 4 Aug 2026 |
| RSSD ID | 4842392 |
| Address | 215 Park Row Suite 2, New York, NY 10038 Directions (Google Maps) |
| Website | thefinestfcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe could not read the website listed for this lender on 3 Nov 2026, so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check thefinestfcu.org or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$11.1 million in 10 awards from the U.S. Treasury's CDFI Fund, 2017–2024 (5 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $1,035,000 |
| 2024 | Small Dollar Loan Program | $383,223 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2022 | CDFI Program, Financial Assistance | $482,900 |
| 2022 | Small Dollar Loan Program | $271,988 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2020 | CDFI Program, Financial Assistance | $737,500 |
| 2018 | CDFI Program, Financial Assistance | $600,000 |
| 2017 | CDFI Program, Financial Assistance | $700,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as THE FINEST (charter 24862). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $36 million (as of 30 Jun 2026) |
|---|---|
| Members | 12,767 (as of 30 Jun 2026) |
| Offices | 1 (as of 30 Jun 2026) |
Offices by state and county (1)
New York (1 office)
- New York County (1): 215 Park Row, New York 10038 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Finest Federal Credit Union, The (NCUA charter 24862, filed as “THE FINEST”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $26.9 million, 5,817 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 10.3% from $30 million on 30 Jun 2025 |
| Members | 12,767 (as of 30 Jun 2026); 10,997 (as of 30 Jun 2025) |
| Loans per member | $2,104 (total loans divided by members, 30 Jun 2026) |
| Total assets | $36 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $418,711 | 1.6% |
| Used vehicle loans | $1.4 million | 5.3% |
| Credit cards | $36,373 | 0.1% |
| Other unsecured loans | $24.8 million | 92.4% |
| Leases and other secured loans | $169,522 | 0.6% |
None reported on the 30 Jun 2026 report: first-lien home mortgages (1-4 family); other real estate loans (junior liens, other); commercial (business) loans.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $36 million | Larger than 44% of the 18 other certified credit unions in New York (median $47.3 million). |
| Loans as a share of assets | 75% | Median of the same 18 credit unions: 60%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $30 million → $26.9 million (-10%) | Median change of 17 other certified credit unions in New York: +1%. Rank by loans held among these 18: 9 → 10. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in New York | 18 | larger than 44% |
| Loans held then vs now | certified credit unions in New York reporting both dates | 17 | rank 9 → 10 of 18 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
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- CHURCH OF THE MASTER FEDERAL CREDIT UNIONCredit union · New York, NYAuto / vehicle loans, Personal / consumer loans, Small-business loansVerified
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Work at Finest Federal Credit Union, The? Link to this page
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