# TOWN OF HEMPSTEAD EMPLOYEES
NORTH BALDWIN, NY · NCUA charter 15539 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/town-of-hempstead-employees-15539

Who the members are: federal charter, multiple common bond, organized 1963. 9,703 members of 20,000 potential (48.5% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $149.1M |
| Members | 9,703 (1.4% YoY) |
| Full-time staff | 16 |
| Net worth | $11.6M |
| Net worth ratio | 7.8% (p3 of band) |
| ROA (annualized) | 0.72% (p52 of band) |
| Total delinquency | 0.18% (p13 of band) |
| Net charge-offs (annualized) | 0.35% (p52 of band) |
| Loans / shares | 40% (p8 of band) |
| Cash / assets | 21.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.84% (p10 of band) |
| Operating expense / assets | 2.60% (p15 of band) |
| Vehicles % of loans | 8% (p5 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 20% (p47 of band) |
| Vehicle delinquency | 0.00% (p3 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 71% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 14% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 15% |
| Average share balance | $11,190 |
| Participations bought / yr | $734,796 |
| Participations sold / yr | $0 |
| Participations outstanding | $13.3M |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $10,888 |
| Loans granted, annualized | $5.2M |

## Participation posture (from the same filings)

Bought $734,796 and sold $0 in the latest annualized quarter; $13.3M outstanding purchased (114.8% of net worth), $0 sold and retained. Sold in 2 and bought in 4 of the last 8 quarters. Shares -1.4% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 3 | losing money |  |
| 2016-09 | 2 |  | delinquency 2x band |
| 2016-12 | 1 |  | losing money |
| 2017-03 | 7 | capital below 7%, net worth falling, losing money, delinquency 2x band, delinquency rising |  |
| 2017-06 | 6 |  | delinquency rising |
| 2017-09 | 6 | delinquency rising | net worth falling |
| 2017-12 | 6 |  |  |
| 2018-03 | 5 | members leaving | losing money, delinquency rising |
| 2018-06 | 6 | net worth falling |  |
| 2018-09 | 5 |  | net worth falling |
| 2018-12 | 5 |  |  |
| 2019-03 | 7 | net worth falling, delinquency rising, charge-offs p90 | members leaving |
| 2019-06 | 5 |  | net worth falling, charge-offs p90 |
| 2019-09 | 5 |  |  |
| 2019-12 | 5 |  |  |
| 2020-03 | 5 |  |  |
| 2020-06 | 5 | margin squeeze | delinquency rising |
| 2020-09 | 6 | net worth falling |  |
| 2020-12 | 6 |  |  |
| 2021-03 | 8 | delinquency rising, charge-offs p90 |  |
| 2021-06 | 4 |  | margin squeeze, net worth falling, delinquency rising, charge-offs p90 |
| 2021-09 | 5 | charge-offs p90 |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 4 |  | charge-offs p90 |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 5 | charge-offs p90 |  |
| 2023-03 | 4 |  | charge-offs p90 |
| 2023-06 | 6 | charge-offs p90, assets shrinking |  |
| 2023-09 | 6 |  |  |
| 2023-12 | 4 |  | capital below 7% |
| 2024-03 | 5 | capital below 7% | assets shrinking |
| 2024-06 | 3 |  | capital below 7% |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | loan book shrinking |  |
| 2025-06 | 2 |  | delinquency 2x band, loan book shrinking |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | charge-offs p90 |

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

- 2020-04-09 [Baldwin businesses coping, seeking loans - liherald.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQQjNYVk9NR0VCUEFXemZNQU9YS011alIyZ0MzSElub2FYMFBZZS16b2RhZEJ0ZmN2UzZMaUo0aEs1TnkyNGZVUWpPSHdCckNXTmFxSUlodWlKbVVBUVJqTmstSlJtdkhJcFFuaEVWWm5ULVRNWk4wekFpdE40d3l4dTBIU1ZZUQ?oc=5) · liherald.com
- 2006-11-29 [Robert Muir named CEO - Massapequa Post](https://news.google.com/rss/articles/CBMib0FVX3lxTE1DRURjRzRfODM1NWZrS0ZTbnJWMWl4cnpVa25UMHY2Mnh1X1pXTEQ1VDVDbDlXN0pZT29oZ3FJRktvV2M2eTBsNTg4UzJlUldhUkRRQTI0UV9xUGoxdVlVQTZ1a3FOOTNYUEU2bFBrMA?oc=5) · Massapequa Post
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - imore.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · imore.com
- 2026-08-31 [Legislators Mule & Davis Invite Residents to Securely Discard Medication, Documents & Electronics at Autumn Sani 2 Disposal Event - LongIsland.com](https://news.google.com/rss/articles/CBMi_wFBVV95cUxPcmc5ZG9QTHVMNnFTRml0M2UzWVJNcm5VOEhfZEdNenlIWjJtUExJVzNKejVRWHB5SnctaEx3NmpiNnlZVGFsaGVZSlpWbXBrYXQ5RU1rLXNsaWlMV0E1MXZndGFBZkJ3ZDZydU9xYnpHZjUwY2Q5OHNESnFuYmlEVTNYb1pMcGxLRGNPeHY2Ym5qS2FZVHpfOWlpWEpJRl9nUFB1Sm5zdWNZTDlWMTVTNGszVk9zM2JJOXVvUnRBYUx1eDVyUF93N1pySFB5VUtQRXNTRjhpVHMzc2YxSTh6M0ZFTjZrVlUyQUpHeTlPWk1Gb09JcnUyR3cxaEJIUms?oc=5) · LongIsland.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15539 (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/51.json (key "15539", 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=15539
- 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