# GREATER METRO
LONG ISLAND CIT, NY · NCUA charter 20382 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/greater-metro-20382

Who the members are: federal charter, multiple common bond, organized 1970, low-income designated. 3,748 members of 10,000 potential (37.5% of the field); checking penetration 79% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $77.9M |
| Members | 3,748 (-3.3% YoY) |
| Full-time staff | 10 |
| Net worth | $9.0M |
| Net worth ratio | 11.5% (p36 of band) |
| ROA (annualized) | 0.21% (p22 of band) |
| Total delinquency | 2.23% (p95 of band) |
| Net charge-offs (annualized) | 0.32% (p58 of band) |
| Loans / shares | 30% (p5 of band) |
| Cash / assets | 28.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.53% (p5 of band) |
| Operating expense / assets | 2.70% (p22 of band) |
| Vehicles % of loans | 14% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 24% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 22% |
| Average share balance | $6,558 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.1M |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $10,991 |
| Loans granted, annualized | $4.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.1M outstanding purchased (23.6% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -5.7% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2026-01-02 [Delta Community appoints Abdul Hussain as chief risk officer - CUInsight](https://news.google.com/rss/articles/CBMiowFBVV95cUxQTndZTWtxNnFKdk5kcHVLcUZxRndnRlhYYTRHMDNaSXA2T084Z2hiR3BoZEJlS1NXOG9qRG84RmlCS01EVEc4RG5GcWk5SndVRjRoR2tkckhfanhpXzV2Z01QeVpoVFBISk1BN0RhNXBBVzRuczBMMkNtM3FFZVRONXJyYk5uOW90MnNFc19fX2FSaGxUT1ZoVkFBTk82bzhuTXFn?oc=5) · CUInsight
- 2024-08-05 [Busy August as Niagara Predators prepare to return to NOTL - Niagara-on-the-Lake Local](https://news.google.com/rss/articles/CBMipgFBVV95cUxPRDFLNjRiR3h2OWg2ZkhkUExRV1ZURGdKeHBLUGFNdnROa3BhSDg5ZUZ6Y3diaVZ3OG0tUU1kTFZRcWxhLVQ5MHZsRlZ3RnZmZnJmQ1J1dW5oQllFOWw2ekM1ai0wZlAzZkgtMG96dFVocWNIaEJVV0xIVmVJYi00czMwM2FWWlU4NG1vWWlPSDhTcVFzNno1UUZEZjAtSXNHV0xtTWdn?oc=5) · Niagara-on-the-Lake Local
- 2022-07-22 [Bits & Bites - Tomorrow's News Today - Atlanta](https://news.google.com/rss/articles/CBMijAFBVV95cUxPMUVXUG1iSzkyYVdsYVRYT1BQSXZiQUdxdVlFZ1hqNWg5N1hyS2VyVy1mT3VLQkdMUXRFZTJ4MGxYVUJPOGMyUktPMzhHWC1BRDhUM2hrOVRfUUctcm1jZXd0OHJsMXhqcVE0YnNDb2RiYXZJQ3ZaSDQzdWpMdlJfYk05YS12bzktVzUwRg?oc=5) · Tomorrow's News Today - Atlanta
- 2022-03-25 [The Ultimate Runner’s Guide to Visiting Washington, D.C. - Outside Magazine](https://news.google.com/rss/articles/CBMihgFBVV95cUxONVlTX2hCVmJKLVJ4eE14MjJiZDFRY0RzV09vZFNlRmlicUJpOWxPWFZ0T0lZQTNFUE5oRTlwTXR4UzYxVk9lbVJDeGlOMGhhSzIxUExyQUFsdFA2TkNzQVdTeTZneFFwN1pjTHhuYzZ5T1puRFpGWE1YTnRwMDJYMDlWaW4tdw?oc=5) · Outside Magazine
- 2023-05-25 [Niagara Predators shore up positions with strong league draft - Niagara-on-the-Lake Local](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNLW5DSGc0SDV1ckxuYVE0Mk5SRGV2VkljZU9jeVBQclBqSmJFSENjWG9QeDA4WkNkSXNpZ1BveEFYZWdWOVNoSUdCUldJckt4TC1PMkY5U3hsRkI2bnM4R01qMGZoQUZGcWlLdmprV05pcVJkbFhOR1p6NUQzTkRsanhQY3BqZDJSUExMZmF4MGphUnlsZDBmc2RRajRvSmRVMFNWOGFTdm5Vdw?oc=5) · Niagara-on-the-Lake Local

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20382 (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/30.json (key "20382", 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=20382
- 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