# INTER-AMERICAN
BROOKLYN, NY · NCUA charter 16285 · asset band <$50M · latest filing 2022-12 · stopped filing after 2022-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/inter-american-16285

Who the members are: federal charter, associational, organized 1964, low-income designated, minority depository institution. 460 members of 1,500 potential (30.7% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 2.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $727,157 |
| Members | 460 (0.0% YoY) |
| Full-time staff | 0 |
| Net worth | $59,569 |
| Net worth ratio | 8.2% (p14 of band) |
| ROA (annualized) | -3.01% (p2 of band) |
| Total delinquency | 9.22% (p98 of band) |
| Net charge-offs (annualized) | 15.84% (p100 of band) |
| Loans / shares | 8% (p2 of band) |
| Cash / assets | 91.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.56% (p47 of band) |
| Operating expense / assets | 5.58% (p93 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% (p42 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 | $2,173 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 2% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $6,208 |
| Loans granted, annualized | $26,000 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

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

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

- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2024-06-14 [Ex-Credit Union CFO’s 44 Months for Theft Upheld by DC Circuit - Bloomberg Law News](https://news.google.com/rss/articles/CBMipAFBVV95cUxPVmpPQUdNLVlHcDM2U215RGRiYzlXQ193QnZZMDdYdWpNb2Y5WFZxT1JKNi01b2xrNmNyU0xpcUVLZXRaRmVmX2Z0dXZETlhzT2dfckxRWFV3N2UtZVc2UkJFZnZ1LUZjNmNfT05OcG5GZHg3clkxenpPeVVnclVlSXNfQnE0RTlZeWhMaklYcGlDYUdrZktnTXo0Q2FDZDllYkZILQ?oc=5) · Bloomberg Law News
- 2025-08-26 [The Marketplace for Money Transfers to the Dominican Republic: An Assessment - Inter-American Dialogue](https://news.google.com/rss/articles/CBMiswFBVV95cUxQOVlBdjNvbnk2bmVVckJTSnN2ODZxS1l3RTdubnprcFBpaWk1RVRPQkdjVmZ6R1JQbEx2cVVLUUhPWUpGMXpTQ2hrQ2tjOEFVbk5vOGx0THM4S2RYUFozelFuLXlzQi1QajdZZGxvTHdUVHFfNVdQOVI5NGp3S2Z3N1BHUnFtNGVmbzd1VmZnQ3lBZ0c3WnFWUlFDOXlpRVo5Um12S1ktWm9xU1pBUmRwOEV5VQ?oc=5) · Inter-American Dialogue
- 2020-11-25 [Anthony Rivera Obituary Nov 25, 2020 - Rivera Family Funerals & Cremations](https://news.google.com/rss/articles/CBMickFVX3lxTE9Qd0lFUkJhLVRHTjFQNHVud0lUMmowU0NpZlN0czRPNnNoTHFIaUhfUi1XeGpyTFh3YWpkVnJBeEhOcmNNeXRhaER4NjBISnI0SzVKSjhiWWN1VTMwMDFnVjBqVjBxYWRCU2pSd0wwalRyUQ?oc=5) · Rivera Family Funerals &amp; Cremations
- 2016-05-08 [Melissa Morales, Andrew Lewis (Published 2016) - The New York Times](https://news.google.com/rss/articles/CBMijgFBVV95cUxPLXFONHpEOFZoUWdfUE9XenJwcVNEckdISnl0amw1UEN3SS1fQnpwYzRsTmVrajFDbW94MzhaNTdzZkdlelVqN3pmN3ZQSDJIQmY4UGpVYmpZcnRtMlZyM0pCSTVJUUJwUFZfRHhvazB6V2twaVFaWnFqQkJTTFgwTXRuemZkaXpuVk9rb0Zn?oc=5) · The New York Times
- 2021-02-05 [Hispanic American–Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMigAFBVV95cUxNekJYVXloWFZDb19oMGVOdmo5aFRBalRMbHktTk90UmRrY0c3a2hINVl1eFAzWURsV0RhX3Y2NDdJMVdvbmduUzNqa3REV0U5NXdRRF9CNVpvTC1QbTYwYUVBQm90N2VHbmhhQ2laRUh2RlEtSV9teWF1OTNvd2Q3Zw?oc=5) · Investopedia
- 2020-12-20 [GEORGE MEEK Obituary (2020) - Washington, DC - The Washington Post - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQSVFuQ2xGaVdLN2hKbXhKUDBtNjhYdFBBS3E1WlZnWmRMbDBQZVFwQ3BqU1RZejNsWUlWdVFqbjlXdERsQXlJMVhVekR1THZsNDktYXJpQ2pSNnVEaHdSNTdtT2o5a1BJNmY3d3RPNkNReVZsLUtLSVJBNmxISzgwMzhSQ1hMRW1YbXdCQjNuMmVNZw?oc=5) · legacy.com
- 2004-11-03 [Obituaries - The Washington Post](https://news.google.com/rss/articles/CBMipwFBVV95cUxNbU15bTlTVVZuUUsxNUtoWVNEWXg2T3E0NDNJSTU3VWxoS21saFVmdDhVSGVsNHpvNlRBVVNuemFGbFRObEhVUVdJUWlkWGVXZWZtd3lsMm0xS0E5MDBmZ2pCT0JqQlZUNzJaa01laW5vRU1NcEdycy1JckFrb3A3VHR5bkFheUNOLVJ3OHFEc2ZqejFFVzNIOFpQVDVpdW15NVhtQTg2SQ?oc=5) · The Washington Post

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16285 (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/29.json (key "16285", 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=16285
- 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.

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