# PORT WASHINGTON
port washington, NY · NCUA charter 18635 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/port-washington-18635

Who the members are: federal charter, community charter, organized 1968. 3,051 members of 75,000 potential (4.1% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $101.6M |
| Members | 3,051 (-1.9% YoY) |
| Full-time staff | 4 |
| Net worth | $16.3M |
| Net worth ratio | 16.0% (p87 of band) |
| ROA (annualized) | 2.53% (p99 of band) |
| Total delinquency | 5.08% (p100 of band) |
| Net charge-offs (annualized) | 0.00% (p9 of band) |
| Loans / shares | 107% (p99 of band) |
| Cash / assets | 7.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.13% (p20 of band) |
| Operating expense / assets | 1.14% (p1 of band) |
| Vehicles % of loans | 1% (p1 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 1.07% (p75 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 96% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 5% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 55% |
| Average share balance | $16,372 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $69,713 |
| Loans granted, annualized | $38.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | net worth falling, members leaving, loans>95% of shares |  |
| 2017-06 | 1 |  | net worth falling, loans>95% of shares |
| 2017-09 | 0 |  | members leaving |
| 2017-12 | 1 | loans>95% of shares |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | net worth falling |  |
| 2018-12 | 2 | delinquency rising | net worth falling |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | loans>95% of shares |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | margin squeeze |  |
| 2020-06 | 2 | members leaving |  |
| 2020-09 | 3 | net worth falling |  |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 3 | delinquency 2x band, delinquency rising | members leaving |
| 2021-06 | 1 |  | delinquency 2x band, delinquency rising |
| 2021-09 | 0 |  | margin squeeze |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | loans>95% of shares | delinquency rising |
| 2023-06 | 4 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2023-09 | 3 |  | net worth falling |
| 2023-12 | 1 |  | delinquency 2x band, delinquency rising |
| 2024-03 | 2 | delinquency 2x band, delinquency rising | loans>95% of shares |
| 2024-06 | 4 | net worth falling, loans>95% of shares |  |
| 2024-09 | 3 |  | delinquency rising |
| 2024-12 | 4 | delinquency rising |  |
| 2025-03 | 3 |  | net worth falling |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | delinquency rising |
| 2026-03 | 3 | net worth falling |  |

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

- 2026-06-09 [Business sweet 16 celebrates networking on Long Island - Long Island Business News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQcks3RGdrM2FMakxJc3FjV21zb1hXUm9wM3hRTVVOclpYbG1CZll1SHZUX2cxMk1WUmRSQmhqZDk4dGx6Qk43UXZzSjlzeUFIVnF0TktncllCOWZXOTV5a0xhd3Zmc1FqWmU4anBEcmU4NVFYQXJObVpIV2RjWGtnV0xhcjlqeFRRb25B?oc=5) · Long Island Business News
- 2026-01-14 [Bank secures naming rights to Cedarburg sports facility - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOTFV0dkk1ZjhrZDZiQW5VZFVRUXRZeUVHOVBxZzQ3OUlRNVNYVUdudEJPMkJiWlYtZGthYWFzU0RGSXYwNEZRZF9fcC1VZ0puNk5RbzRLS2t0UGRxanZkSTRFNnQwTHcydktFdXBXODdnbXRFanJ1My0xTno0Q3BMQXpjcVlBVS1HdXJ5ZVB1MHFyMnRHcHB4dFN5SkpLdjhabUVxelVR?oc=5) · The Business Journals
- 2025-11-13 [‘Make a Child Smile’ Holiday toy, food and diaper drive returns for 25th year in Port Washington - LI Press](https://news.google.com/rss/articles/CBMid0FVX3lxTE8yQ1g4dF9NUnk4SmYyTGluM3dDWXhpelJqcWFRWmZsTzFqeDd3dno1R2Y2YkVtaG13dmtObkx5bHdldnpkbDdFdmNWWkdPUEFxUXpCdHlaTmo2TnVWcm1fQ1FrQ1RNOVM0b1hwWUhMWGtmYTU4YzM0?oc=5) · LI Press
- 2021-03-09 [Profiles in Business: FAIRWINDS Credit Union - Orlando Economic Partnership](https://news.google.com/rss/articles/CBMif0FVX3lxTE5EN2pZcGlURzVPUFJFQVJ5LTZ4Z2NCOWR3NktrdXB5LTVIUnAxeUJkeFJBamFGYXFVX3JLMnc1RXZBdEczR0lZNU40a20yTjRfMF9yVVh0dDhsZDJsbHBZRU1nbkY3N2J2RUxhTXEyOHJ6d2d5NFNtOHBEdlFTQkE?oc=5) · Orlando Economic Partnership
- 2022-04-20 [Fairwinds Credit Union’s COO forecasts more growth ahead - Florida Trend](https://news.google.com/rss/articles/CBMioAFBVV95cUxQZ1hiOTdSbk5tRE9mRVkxUW1Ga0VoQ0tqMEJtWUFOZTJuYmNiV1dmLS1XWDM5V2FzRXdFSjdId1FPb0o5UmVOZzZ2OVAwWmFuSFV2ZWlwTFQtRGZvMGFFankwWkw3ajNmczBhVlkzY3g3Rkl4U2xLaWJ0cjV0Y0I1QmFja09QUjF0a09WSTRpMEZUaGdsX1dIS292dXRtNERB?oc=5) · Florida Trend
- 2026-06-01 [HarborFest Dock Day and Craft Festival to return June 7 - LI Press](https://news.google.com/rss/articles/CBMioAFBVV95cUxPR0RSQnQ5NG43NW9WVVk3WGhjUURYSHlad0ZrXzM2ODY4Z2drMmpGZDM1YzhHNU5wZDl4VHVsZnVNLTEtX1VhN01TbjFLNjBVdXNOc2FEZ1Z3dThGMG1VRk80SGdpeUE2LWUtc2lMM1VWWkJsSUMtMlF5UHphZDQzUFNXZDM5ZXlVRlIyT0IwTGJVTFA3UFZ1WFlQRjM5UEFq?oc=5) · LI Press
- 2023-06-26 [July 4th Fireworks 2023 Around Port Washington - Patch](https://news.google.com/rss/articles/CBMikgFBVV95cUxQYkdWZThuSnVRbkRBT1ZGdzVRWklfeU1jNUY3OXo5YkhiOVowZU1pN0w0ZEJVRkhESzNIVldkNVJIYkg5MEhjUFBoaHI5LXZ3OFUxUTdmR2JtS3hnV2g1UWxXMzBHRXBFTDJicWttZHM2V3BHTjZXb1lWbU12X2VMV1ZIWVFKREo2RDZlM1pWX1RzQQ?oc=5) · Patch
- 2024-06-24 [How Lucie Van Heeckeren, a Port Washington high school graduate, became Setauket Jane Doe - Newsday](https://news.google.com/rss/articles/CBMiigFBVV95cUxONldhVVVmSHRpdGxpRDBMX3ktVE1jZUN2M21WdUc2RGxXeWw0aGNVNTh1VlpOTXNtUFM5RWFYSEotb0VudzVnbjVKZmZuZVIzQnB4WmdTX0ZuOXhtaExyZ01IWFAtRko4cjFKN01VR2pLLWdycTdMM3VNMm9fN1VoVjJmYmZpdEdBU2c?oc=5) · Newsday

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18635 (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/11.json (key "18635", 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=18635
- 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