| # | Institution | Type | Metro | Assets | Efficiency ratio |
|---|---|---|---|---|---|
| 1 | Co-Operative Federal Credit Union Woodridge, NY | Credit Union | — | $3.5M | 266.03% |
| 2 | Generations United Federal Credit Union New York, NY | Credit Union | — | $6.9M | 256.07% |
| 3 | Union Baptist Greenburgh Federal Credit Union White Plains, NY | Credit Union | — | $328K | 217.20% |
| 4 | Harrison Teachers Federal Credit Union Harrison, NY | Credit Union | — | $1.3M | 207.25% |
| 5 | Metro Realtors Federal Credit Union Melville, NY | Credit Union | — | $11.1M | 194.72% |
| 6 | Piermont Bank New York, NY | Bank | New York-Newark-Jersey City, NY-NJ-PA | $505.1M | 159.07% |
| 7 | Bykota Federal Credit Union Brooklyn, NY | Credit Union | — | $1.6M | 156.67% |
| 8 | The Citizens National Bank of Hammond |
| Bank |
| Ogdensburg-Massena, NY |
| $23.9M |
| 142.25% |
| 9 | District #6 Federal Credit Union Hornell, NY | Credit Union | — | $24.7M | 140.95% |
| 10 | Urban Empowerment Federal Credit Union New York, NY | Credit Union | — | $372K | 122.07% |
| 11 | Great Neck School Employees Federal Credit Union Great Neck, NY | Credit Union | — | $3.0M | 122.05% |
| 12 | Concord Federal Credit Union Brooklyn, NY | Credit Union | — | $7.0M | 121.88% |
| 13 | Korean American Catholics Federal Credit Union Flushing, NY | Credit Union | — | $31.4M | 121.05% |
| 14 | Williamsville Federal Credit Union Amherst, NY | Credit Union | — | $10.9M | 120.38% |
| 15 | Sunnyside Federal Savings and Loan Association of Irvington Irvington, NY | Bank | New York-Newark-Jersey City, NY-NJ-PA | $82.3M | 119.63% |
| 16 | Empire One Federal Credit Union Cheektowaga, NY | Credit Union | — | $77.0M | 116.03% |
| 17 | Carver Federal Savings Bank New York, NY | Bank | New York-Newark-Jersey City, NY-NJ-PA | $658.1M | 115.75% |
| 18 | Saint John A M E Federal Credit Union Niagara Falls, NY | Credit Union | — | $201K | 114.89% |
| 19 | Rt Federal Credit Union Rome, NY | Credit Union | — | $57.4M | 114.48% |
| 20 | Oneida County Federal Credit Union Utica, NY | Credit Union | — | $13.8M | 113.77% |
| 21 | Mount Vernon Ny Postal Employees Federal Credit Union Mount Vernon, NY | Credit Union | — | $1.0M | 112.93% |
| 22 | Neighborhood Trust Federal Credit Union New York, NY | Credit Union | — | $20.3M | 112.67% |
| 23 | Circuit Federal Credit Union Cheektowaga, NY | Credit Union | — | $11.6M | 111.26% |
| 24 | Urban Upbound Federal Credit Union Long Island Cit, NY | Credit Union | — | $2.3M | 110.83% |
| 25 | Akron School Employees Federal Credit Union Akron, NY | Credit Union | — | $1.2M | 110.45% |
| 26 | St. John United Federal Credit Union Buffalo, NY | Credit Union | — | $1.1M | 108.83% |
| 27 | Grand Central Terminal Employees Federal Credit Union New York, NY | Credit Union | — | $6.7M | 108.30% |
| 28 | Community Federal Savings Bank Woodhaven, NY | Bank | New York-Newark-Jersey City, NY-NJ-PA | $827.0M | 107.17% |
| 29 | Nassau Financial Federal Credit Union East Meadow, NY | Credit Union | — | $336.4M | 105.51% |
| 30 | Good Neighbors Federal Credit Union Depew, NY | Credit Union | — | $92.2M | 104.63% |
| 31 | Academic Federal Credit Union Briarcliff Mano, NY | Credit Union | — | $36.1M | 102.86% |
| 32 | United Orient Bank New York, NY | Bank | New York-Newark-Jersey City, NY-NJ-PA | $101.4M | 102.67% |
| 33 | Modern Bank, National Association New York, NY | Bank | New York-Newark-Jersey City, NY-NJ-PA | $648.5M | 101.60% |
| 34 | Amnh Employees Federal Credit Union New York, NY | Credit Union | — | $1.0M | 100.14% |
| 35 | Encompass Niagara Federal Credit Union Niagara Falls, NY | Credit Union | — | $24.1M | 99.83% |
| 36 | Cadets Federal Credit Union Elma, NY | Credit Union | — | $17.8M | 98.44% |
| 37 | Upstate Telco Federal Credit Union Gloversville, NY | Credit Union | — | $4.3M | 98.14% |
| 38 | Ballston Spa National Bank Ballston Spa, NY | Bank | Albany-Schenectady-Troy, NY | $1.37B | 98.05% |
| 39 | Ever $ Green Federal Credit Union Rochester, NY | Credit Union | — | $71.9M | 95.95% |
| 40 | Ufirst Federal Credit Union Plattsburgh, NY | Credit Union | — | $125.9M | 95.53% |
| 41 | The Upstate National Bank Ogdensburg, NY | Bank | Ogdensburg-Massena, NY | $294.8M | 94.87% |
| 42 | Oswego Teachers Employees Federal Credit Union Oswego, NY | Credit Union | — | $59.0M | 94.74% |
| 43 | Northern Credit Union Watertown, NY | Credit Union | — | $682.1M | 94.68% |
| 44 | Transfiguration Parish Federal Credit Union Brooklyn, NY | Credit Union | — | $13.2M | 94.49% |
| 45 | Seneca Nation Of Indians Federal Credit Union Irving, NY | Credit Union | — | $9.8M | 94.48% |
| 46 | Ny Firefighters Bravest Federal Credit Union Albany, NY | Credit Union | — | $24.7M | 94.45% |
| 47 | Everest Federal Credit Union Jackson Heights, NY | Credit Union | — | $9.0M | 94.45% |
| 48 | Brockport Federal Credit Union Brockport, NY | Credit Union | — | $15.6M | 93.75% |
| 49 | Alternatives Federal Credit Union Ithaca, NY | Credit Union | — | $162.0M | 93.71% |
| 50 | Division 726 Federal Credit Union Staten Island, NY | Credit Union | — | $9.0M | 93.54% |