# NORTHWELL HEALTH
JERICHO, NY · NCUA charter 20941 · asset band $100-200M · latest filing 2017-03 · stopped filing after 2017-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/northwell-health-20941

Who the members are: federal charter, multiple common bond, organized 1972. 18,005 members of 62,000 potential (29.0% of the field); checking penetration 22% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $118.2M |
| Members | 18,005 (1.1% YoY) |
| Full-time staff | 17 |
| Net worth | $13.2M |
| Net worth ratio | 11.1% (p65 of band) |
| ROA (annualized) | 0.45% (p55 of band) |
| Total delinquency | 6.63% (p100 of band) |
| Net charge-offs (annualized) | 0.30% (p45 of band) |
| Loans / shares | 67% (p45 of band) |
| Cash / assets | 10.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.05% (p58 of band) |
| Operating expense / assets | 3.42% (p43 of band) |
| Vehicles % of loans | 21% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 91% |
| Third-party paper % of net worth | 102% (p68 of band) |
| Vehicle delinquency | 0.96% (p75 of band) |
| Vehicle NCO | 0.71% (p68 of band) |
| Repossessed % of vehicle book | 0.33% (p92 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 23% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 6% |
| Average share balance | $3,755 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $13,143 |
| Loans granted, annualized | $16.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | 3rd-party paper>100% NW |  |
| 2017-03 | 4 | net worth falling, delinquency rising | losing money |

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

- 2026-04-14 [Northwell Walk to Raise Health Set For Port Jefferson On May 17 - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxOWndPVXp6bEFaSkl5TE52QXVyX0hsVU5nelNLYXBKdklqVzBzOVFMaTU5YVZwcDVNOVgzVWFGeE8yQ1ZlRFZtOEppU2hTaW9ZLTlNeTRxdnFLYk5fWm9nUHZsdXlfYUNoVy1TTEh2SGRpdlgtbE9Ham1XVS1ZdzFYcURkUktxXzB6Y01HUVplNDNud2tsdzB2b0R3?oc=5) · Patch
- 2017-05-19 [Bethpage Federal Credit Union merges with Northwell’s - Long Island Business News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQTnluVG1ZUFV3cU01bTBvWjRVTHVYYkZiZWx1TkotcTg3cTFPZTZ1N1FqczZ3VTRjVER6aHdOblFmcmFPVEZwV2NKTkU0cmIxODQ0d0E2SUVDQm84ZHFCNEdINFJBMGc0cVJFSWVtNThjR05waVZLUWNXQjQ0Ujd4QXQydEM0MGlu?oc=5) · Long Island Business News
- 2017-05-19 [Bethpage Federal Credit Union acquires Northwell Health Federal Credit Union - qns.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxPSWFGeFNodDRpSFUwZ29FckJBeG5wRm1IUXQySlR3b2ZOU0FlNnBscDhIN1M3T1RReEpwekllYVFQRnFkdkYyZ2laalI5VUpaZmFsMUJnNXh1bDNvNDdrUVFieHhuVS1ORDFZSFNPT3preGk3WjcycnYxVVI5S3EteUphTjV0MTVWU20tXzJ5M0h5aG53eGdIYlkzSFM1VENpM1V3?oc=5) · qns.com
- 2023-08-10 [Uber Eats at Live Nation Venues - Uber](https://news.google.com/rss/articles/CBMickFVX3lxTE9id2I4ZlJyYUZZU0NmLWJZdFpIeXMweHdod0puR3plaHJKdks2ZjQySmVWbF80ajdFWWRydFZxNEdrWE9acWJ2blFyblJqa0g4QS1oc3ZPcXhIZ1hKUkNpUzJxeVFWbjVxalZJLURxaTNNUQ?oc=5) · Uber
- 2022-02-15 [Phish will play two shows at The Mann, three shows at the AC beach this summer - WXPN](https://news.google.com/rss/articles/CBMiXEFVX3lxTE10Q2plbFBKemxsb0VaenRUUW9ZdDZrUklEVFh6ZFhPbFotSV9FcWJoaWxjUnJ3NGZpblh1Y0EzcHRYbXZzV0JOc0FSQ3VBTm04Q1RQQUlvLWFzVksz?oc=5) · WXPN
- 2022-12-12 [Zac Brown Band Detail From The Fire Tour 2023 - Relix](https://news.google.com/rss/articles/CBMigAFBVV95cUxQRDg0c1lGVXVLcFZiQ0ZlQXEybTZXbmtvVXF0T1JQcG82RGtVVElaXzNGRUVOS0I0UHlDYTJhWklKRVdNenNMajhBa1JUOG1ZVWJtbmpnQ1BNcUFlSDhfT281WkNOTEtUSGt0LTNpSHdsSm5Vci1QbVpjcTJzMVZpRA?oc=5) · Relix
- 2024-04-23 [MEGADETH announce U.S. tour with MUDVAYNE - Revolver Magazine](https://news.google.com/rss/articles/CBMiekFVX3lxTE1HSTFrVEd3RFNzQjdubGxMcXpkcHBKaG9scE13NzhoWEhVbDZyRHhZU0pSaTFwNjc1eXNUYWVfcFJBUnNnZlk1OEFTdnJTR28zV2JaUjVCVmZxaS1adFN6MS1BZEhPeFRLWmVNT3drQzlHM2pFM0o3Mzhn?oc=5) · Revolver Magazine
- 2024-02-28 [Willie Nelson announces tour dates with Bob Dylan, John Mellencamp - WAFB](https://news.google.com/rss/articles/CBMinwFBVV95cUxOX3VOOGJvSXJLTFYxbnVwRXkxeDR4VU1feGhNTGVNdGVyTEd6cF9Ddkl0ekpVRDJ5TnRFZTA5anBKdzNuMEJxLTYxdmVtM3Qxck1jbDdTUUotd0FfOGtlSDRyYS1Bb1gwSC1ja1JnbEU0WnNhWERFNktFMTJORy16UkU2T2NOM0lRN091ZWwxYjA1Y3ZESU9nQ3J0eTRUOG_SAbMBQVVfeXFMT3ZSYUtIRFFrSDQ5eXdXVHRFUTMwcUZBYzdqMDJEdHJtZU04bDl2ZEUyU3F4T2Rwb2RjWnJBMjQ1Y1NucXdsQmpqN01SMUFvbndtSzFPVTd6bnFTOUREZ2NSeVJzdlEwcmljZ2h4VDlFakdGT3pwS3BSWUVRbUhGd2RuSHQ5TFdkMzVBclptX1BjWlNsc3VKWmQ1c29ScWMyVnFiVWF3blg0QXRad0FmdlZWWXc?oc=5) · WAFB

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20941 (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/13.json (key "20941", 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=20941
- 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