# EPIPHANY
Brooklyn, NY · NCUA charter 15129 · asset band <$50M · latest filing 2019-12 · stopped filing after 2019-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/epiphany-15129

Who the members are: federal charter, associational, organized 1962, low-income designated. 50 members of 600 potential (8.3% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 4.

**Verdict on the desk:** this could be *too clean*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $89,939 |
| Members | 50 (-20.6% YoY) |
| Full-time staff | 0 |
| Net worth | $5,965 |
| Net worth ratio | 6.6% (p2 of band) |
| ROA (annualized) | -7.56% (p1 of band) |
| Total delinquency | 0.00% (p6 of band) |
| Net charge-offs (annualized) | 0.00% (p17 of band) |
| Loans / shares | 4% (p1 of band) |
| Cash / assets | 8.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.76% (p21 of band) |
| Operating expense / assets | 10.35% (p99 of band) |
| Vehicles % of loans | 0% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 100% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $1,679 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 4% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $1,560 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, expense trap, delinquency 2x band |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | assets shrinking, loan book shrinking | delinquency 2x band |
| 2017-06 | 4 |  | loan book shrinking |
| 2017-09 | 5 | loan book shrinking |  |
| 2017-12 | 4 | members leaving | assets shrinking, loan book shrinking |
| 2018-03 | 4 |  |  |
| 2018-06 | 6 | assets shrinking, loan book shrinking |  |
| 2018-09 | 5 |  | loan book shrinking |
| 2018-12 | 6 | loan book shrinking |  |
| 2019-03 | 3 |  | losing money, expense trap, net worth falling |
| 2019-06 | 6 | thin capital, losing money, expense trap |  |
| 2019-09 | 7 | net worth falling |  |
| 2019-12 | 9 | capital below 7% |  |

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

- 2026-03-29 [Four-story retail and residential building proposed near Northeast Medical Center - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2026-05-14 [Movers & Shakers: Ford, Lambda Legal, Momcozy and more - Campaign US](https://news.google.com/rss/articles/CBMijgFBVV95cUxNZ29WaGQxRXNCWE9yaGxyUWpzMHdrTk14OWJ0bXc1czNQdWxtT2NNSThQSEpDRW9CYUNDMzZ4d1R2N25BUXJKbFJPUHFNWXA4d3VFdVpnUEFMQTRMb0NGZ1RUQW1uajE0VTdSbm9yOTM1YUFnbkRVMmRVRWZiMi1sUkFrZE96QTdaQzRaNGV3?oc=5) · Campaign US
- 2026-02-06 [We found cheap tickets to see Staind’s ‘Break the Cycle’ Tour with Seether - New York Post](https://news.google.com/rss/articles/CBMiowFBVV95cUxNN0ZfWHlkdmZ6WXZzRU9xM2xnMnNvbms4c09HVWR5dnQzSzVFcU5KVmh5alphRW52VkNuWktVUjU3NlJ1cUlYTy1ra2NrUDAtMzVkQWJsUEY1M20xMFo3R0hyMDcyZHlCRWFLLW5HSklRYzdVc09kWjFYMHZrWkFFUnJjM214NTdZa1dkWDBSOERqNWlOMmR1TVpEVllxeFVpMUVB?oc=5) · New York Post
- 2019-06-05 [Msgr. Foley Was Not Afraid to Serve All - thetablet.org](https://news.google.com/rss/articles/CBMibkFVX3lxTE53OEZLRl9oeXhqWW41U1NuaWRzemtZRm54NFZRamF5UFhDOXNJbzdMZk9BZ3lFZ3NPY3FiQ1pBU3VJOEdUSDc0dnktWjgxYms0VDhWNmU0dDh4WU1lZzhVLVdkdmpfY29TMjBQQ0pR?oc=5) · thetablet.org
- 2024-07-18 [Former STYX Singer DENNIS DEYOUNG – “A Quarter Of The Century After The Fact TOMMY SHAW Has An Epiphany” - BraveWords](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOTXY0b3lyS0tWbWlLUXBkeklyb0NVS3E2bVI1Q0t6MGVrbExOZUhrVzZvUl9hTXRDRkxPdnVWLU5Zc0MxclFQd3NJWVpaeTE4bmcyTkxPSmpnLUlHWTBZQmRFN1lnMUFwelRzM3c1OGpsNVA0VWpZWlNLSEc3cmFlWm1ySlo5ZTYxb0VtWTg0bkVYekNmNEk1RFNNZGc3ZFZmR2VZNlpWanZqSGxYZnpjQ0RFaE95YXpiYXpneW9BWThoSk1hWE14ZNIB0AFBVV95cUxOWHFGZ0RDZ2d3bmJfbEFCd1RuRTZ1RWFDYXNPcnhWeG9ab2MxZGk2a2pMb0psWU5yWkpJSUFlS0ZuQnpZR3F4dE5wMVoyM09iOXN5Y084a3VaQkZ4NEJJVlprb1p1TS0ycTEzSEJOaHYzNHlNdy11bTk1N1VZNlJFYnFjRWhrNTF3TWdFdEFDWkVydWp2YzFCZEx5VTdFQ3Fkb3FvamdSelhuVEJ1LWVld1poSmNtNXRpZXpwYzlqNjIyeXk3TmhNcFhMLXBLbmF2?oc=5) · BraveWords

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15129 (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/25.json (key "15129", 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=15129
- 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