# STS PETER & PAUL
Brooklyn, NY · NCUA charter 18823 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sts-peter-and-paul-18823

Who the members are: federal charter, associational, organized 1968, low-income designated. 101 members of 101 potential (100.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 0.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $683,945 |
| Members | 101 (-10.6% YoY) |
| Full-time staff | 0 |
| Net worth | $297,642 |
| Net worth ratio | 43.5% (p98 of band) |
| ROA (annualized) | 0.76% (p59 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | 0% (p0 of band) |
| Cash / assets | 99.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.90% (p4 of band) |
| Operating expense / assets | 1.14% (p3 of band) |
| Vehicles % of loans | – |
| 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 | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,679 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **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 | 2 | losing money, charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | margin squeeze, assets shrinking, members leaving | charge-offs p90 |
| 2017-06 | 5 | net worth falling |  |
| 2017-09 | 3 |  | margin squeeze, net worth falling |
| 2017-12 | 4 | delinquency 2x band, delinquency rising | members leaving |
| 2018-03 | 5 | members leaving |  |
| 2018-06 | 5 | loan book shrinking | members leaving |
| 2018-09 | 4 | charge-offs p90 | losing money, loan book shrinking |
| 2018-12 | 3 | members leaving | assets shrinking, charge-offs p90 |
| 2019-03 | 2 |  | delinquency rising |
| 2019-06 | 1 |  | members leaving |
| 2019-09 | 2 | losing money, margin squeeze | delinquency 2x band |
| 2019-12 | 4 | delinquency 2x band, delinquency rising, assets shrinking, loan book shrinking | losing money, margin squeeze |
| 2020-03 | 3 |  | loan book shrinking |
| 2020-06 | 5 | margin squeeze, members leaving, loan book shrinking | assets shrinking |
| 2020-09 | 4 |  | margin squeeze |
| 2020-12 | 7 | losing money, margin squeeze, charge-offs p90 |  |
| 2021-03 | 5 | net worth falling | delinquency 2x band, delinquency rising, charge-offs p90 |
| 2021-06 | 5 | assets shrinking | margin squeeze |
| 2021-09 | 4 | margin squeeze | net worth falling, assets shrinking |
| 2021-12 | 6 | delinquency 2x band, assets shrinking |  |
| 2022-03 | 6 | delinquency rising | margin squeeze |
| 2022-06 | 7 | charge-offs p90 |  |
| 2022-09 | 5 |  | delinquency 2x band, delinquency rising |
| 2022-12 | 7 | delinquency 2x band, delinquency rising |  |
| 2023-03 | 5 |  | charge-offs p90, delinquency rising |
| 2023-06 | 5 | delinquency rising | losing money |
| 2023-09 | 5 |  |  |
| 2023-12 | 4 |  | assets shrinking |
| 2024-03 | 3 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2024-06 | 3 | assets shrinking | charge-offs p90 |
| 2024-09 | 5 | delinquency 2x band, delinquency rising, charge-offs p90 | assets shrinking |
| 2024-12 | 4 |  | delinquency rising |
| 2025-03 | 5 | delinquency rising, assets shrinking | charge-offs p90 |
| 2025-06 | 5 |  |  |
| 2025-09 | 4 | margin squeeze | delinquency 2x band, delinquency rising |
| 2025-12 | 5 | net worth falling |  |
| 2026-03 | 4 |  | net worth falling |

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

- 2024-05-20 [Nicolas Betancourt Obituary - FL - Orlando Sentinel](https://news.google.com/rss/articles/CBMic0FVX3lxTE1aZnFNZTZuWXNCZk4tZ2Z6TGpGbkhpZVZvZHE0aWR1ejUtekdDcTFPSjVzVkViblRLanF2aVlwa2JlaWJUX2JMbXVScVQwQ1A4dDlJMlVZZ2hDcEQ2TkJpMFNxQzMwR1Z1UFNZUjk4UHJlelE?oc=5) · Orlando Sentinel
- 2024-05-31 [Carol Reed Obituary - PA - The Morning Call](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBDbm05RGNGczJvMHJCajAyeDZvQVZaTVh3VUIwN0N1UktobzdxVWdTNG8xSzdJUTJVWUhablFxNFJ3aHBiVFFYeWUybmlGZ3FyMGVsZmtXdzFfRkNYU2c?oc=5) · The Morning Call
- 2021-10-07 [Walter Lech Obituary (2012) - Three Rivers, MA - MassLive.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQS0FMcnF0MU1KMjg5aW9EaUlrakwwS1NBOWhOaC1aeDJOQk14cmd1bE9NWmZmd0dzZHNXb05oTDBPdHM5cmVLMWZibkNET2F1R3FzUnJBaDZlbjVnX05RMXBKcm5iRGd5UjJTcF9hMkN3YlJwbDZOOXVPOGoyR2pNY3BvTGdXeTFnVXB2X2l1RVQ?oc=5) · MassLive.com
- 2021-10-29 [Leo Krolak Obituary (2015) - Elmira, NY - Star-Gazette - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNa19iT0lfU25QQ1E1T1FSQW5MWk13RHk2dEZ5QUs4SzZLMzJWLTlwU0dYN3hRZl9id2pNc05DcGFFUWR5MlFnVkk1V0U4S1hwdTlNRkdrSmZNZXR6eWlxbVdYSGE1dTBybk9nSnl2b3lja3FuXzdaSWwxS1dMeTNfQ1pWSGtuZi1YeTYzVjlsaw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18823 (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/7.json (key "18823", 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=18823
- 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