# TRANSFIGURATION PARISH
BROOKLYN, NY · NCUA charter 15067 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/transfiguration-parish-15067

Who the members are: federal charter, associational, organized 1962, low-income designated, minority depository institution. 2,181 members of 2,225 potential (98.0% of the field); checking penetration 5% (share draft accounts per 100 members); loans per 100 members 11.

**Verdict on the desk:** this could be *too clean*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $13.2M |
| Members | 2,181 (-0.1% YoY) |
| Full-time staff | 5 |
| Net worth | $845,804 |
| Net worth ratio | 6.4% (p2 of band) |
| ROA (annualized) | -0.63% (p14 of band) |
| Total delinquency | 0.06% (p22 of band) |
| Net charge-offs (annualized) | 1.08% (p87 of band) |
| Loans / shares | 37% (p21 of band) |
| Cash / assets | 63.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.35% (p68 of band) |
| Operating expense / assets | 5.03% (p79 of band) |
| Vehicles % of loans | 0% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | 78% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 29% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $6,234 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 11% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $19,978 |
| Loans granted, annualized | $410,000 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, expense trap |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | net worth falling |  |
| 2017-06 | 3 | margin squeeze | expense trap |
| 2017-09 | 3 | delinquency rising | net worth falling |
| 2017-12 | 1 |  | margin squeeze, delinquency rising |
| 2018-03 | 5 | capital below 7%, net worth falling, members leaving |  |
| 2018-06 | 4 |  | members leaving |
| 2018-09 | 2 | members leaving | capital below 7%, net worth falling |
| 2018-12 | 3 | capital below 7% | members leaving |
| 2019-03 | 4 | net worth falling |  |
| 2019-06 | 3 |  | net worth falling |
| 2019-09 | 4 | delinquency rising |  |
| 2019-12 | 3 |  | delinquency rising |
| 2020-03 | 4 | margin squeeze |  |
| 2020-06 | 5 | net worth falling |  |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 5 | net worth falling |  |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 4 | assets shrinking | margin squeeze |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 4 | net worth falling | assets shrinking |
| 2022-09 | 4 | members leaving | net worth falling |
| 2022-12 | 5 | delinquency rising |  |
| 2023-03 | 4 |  | members leaving |
| 2023-06 | 7 | losing money, expense trap, assets shrinking |  |
| 2023-09 | 8 | net worth falling |  |
| 2023-12 | 8 |  |  |
| 2024-03 | 5 | members leaving | losing money, expense trap, assets shrinking, net worth falling |
| 2024-06 | 4 |  | delinquency rising |
| 2024-09 | 5 | delinquency 2x band, delinquency rising | members leaving |
| 2024-12 | 6 | assets shrinking |  |
| 2025-03 | 7 | margin squeeze |  |
| 2025-06 | 6 |  | margin squeeze |
| 2025-09 | 5 | margin squeeze | delinquency 2x band, delinquency rising |
| 2025-12 | 5 | delinquency 2x band | assets shrinking |
| 2026-03 | 4 | losing money | margin squeeze, delinquency 2x band |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-05 [NCUA Bans Former CEO, Operations Manager and Senior Specialist - CUTimes](https://news.google.com/rss/articles/CBMingFBVV95cUxPejdackRWWF9kVGRYck8zSGVHLWhFOHdmUE0zWWR4OWFCUkV0cmVERHNoYVd2bE1kZ3daTkJOcFFpMEJza2ljMlpDY1Raa0hYbVZ3eE5OVmZfMzktcXl0S3Y0Z3NDOGVsWjNLdXg5Z0FTd1J1OEVQdXdtU29TTUcycXhWQkpISjRHM0FXamY5NEMycWpPSUJtaFl0Q00tUQ?oc=5) · CUTimes
- 2021-07-14 [Big gaps in New York City home loans: Search your own neighborhood here - ABC7 New York](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNWtrRTV5NW0ySld4VG5keWgxZEJlbjlVQk5NT2t1VnUtTkhlYkNDSUliUnNTUUtCdE1aTXB5SG0yOVR3eW90VjJGbjV2a1prS2gyVkYyUGJoOVR3TVZzNHFjQ25GREtEdUVyVTY0d3h3LU5oLWVKNXpfdzMzd1Bmal9vXzZJUlpweTNYSVVaaVNBMTdNamh6dDh1NUptbGxTbFHSAacBQVVfeXFMT1MxTVljd0JmRXg5NTlMSVkzZDZIN1Nwa0JqQ3J5b2xQdE9qekpESHRCZk9kVl9XUmN1MnZOMm1hRUMtaDFNSTh3T2I4R3BERG5EeHVCcjZDQjB6aGM2WXloRmdvbnZaY19USndZeGg1VWttblRqelZnLWNadEJyVmN4R0xMTkZrREZPdHRURjh1Zm5yVW9XcFdXQjA5MHhjSzh1ZnUzQjA?oc=5) · ABC7 New York
- 2025-01-02 [Transfiguration Parish School Pivots and Returns as a Private School - River Journal Online](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQOGJjTk92ZnlBTVN3NDdaenpCaTRPN2l6eDB5UmlkaEpvbFJmM1RDWFo1UXR6ZExmdU9kUm8yMWxlSlltNHZlV2QxeXV3YWV5RFA4QXFUNUx5Mjc0SXRvR2RZbWI1ZmphaWlCYUlLNXRjOS1yZFJMVmFNbUpkNlh1cTZqU0dvRjVzUFA3eG8zY0djbklWMkh3dmtPRi1jMGx4VVNVRDhqQk1WRm12UldKQW9Lal94ZGhhYWFtWE9uR3VfSFJwMnZLaTlqU0JnV2MtcW51cA?oc=5) · River Journal Online
- 2025-08-01 [Meet the Judges for the 2025 CU Times Luminaries Awards - CUTimes](https://news.google.com/rss/articles/CBMilgFBVV95cUxPRmN1LWVRTUc0MVhJYThjUlYwM3F4c09XSjFXOHJUN2FiUTA3dGpWVkZnMHE2NWtzNkNfMEcyRllnOHVDSUFxVGFySEtOYmt4cGE3NzZMT1VSZ0tBWlNqem5kYmtTY3NmbXNxMW1oYmJFR3lCQVV5elJzUlNFd1ZLZXlNV04xNzJpeGhHVS1JQTVYV2d5Z2c?oc=5) · CUTimes
- 2025-07-29 [William Rowe Obituary (2025) - Troy, NY - Albany Times Union - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNWU1jRlVpTHptOFMyUEFHNkFkdzlFMnRvU0Q4Q0E1UV83WG0tblFrZk1XUnhNdlZBM3RzcFAxb0s2UFk0S3RxcWVjSHpnaHF1QlRQY2dpbDRnTndyQnVNYnFMQ0VkeTRleGVjOHlSV3kyaXhjNWx6dFFsaWE5UE1oWkUyMFJoRkV0aUh1V2pONjFQS0R5S29kMw?oc=5) · legacy.com
- 2019-03-31 [Patrick Madigan Obituary (1959 - 2019) - Schaghticoke, NY - Albany Times Union - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxNN0FmbmVCd0FqalRraUlFQlNRUmN1ZjA3b2gza3ZxU19sdFdfaXQzYnhfaTFqcG1ydkU2NWItZzJ2aGZRWllGN1NhR2J0U2N6aGNOamRzblYyZnBjTzh6UGd4eHMyTVREYWdMdnR6NlNpWW1KOC0yOHNvdG9mSS11aUd1S0ZJRHBtMW5Tc0NYa01oTDRmc3ZhcnEtQQ?oc=5) · legacy.com
- 2017-06-03 [William Rowe Obituary (2017) - Melrose, NY - Albany Times Union - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOTFBXNEo1OHFNV0kwLWhKamdOc05pOEQ3Qm8wR3NCME1iRDNqX0x5MW0yd0k4ajVWVWYzNzg4WTY5dlZlNWNRemlqZTdHTC1iUWVHZjg1Vm5DRFhsZnNmSzdmZDU0TGxZLWJaRWZGTWdnenFzdkdrUTBWUzlHdi1HOGFxZ2V0VkRMN1FfeEZpLWZ6N1VtZG9j?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15067 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/27.json (key "15067", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=15067
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide