# LONG ISLAND COMMUNITY
PORT JEFFERSON, NY · NCUA charter 21277 · asset band <$50M · latest filing 2018-06 · stopped filing after 2018-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/long-island-community-21277

Who the members are: federal charter, community charter, organized 1973. 2,292 members of 525,000 potential (0.4% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 18.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $19.6M |
| Members | 2,292 (-5.9% YoY) |
| Full-time staff | 4 |
| Net worth | $1.5M |
| Net worth ratio | 7.7% (p8 of band) |
| ROA (annualized) | -1.43% (p5 of band) |
| Total delinquency | 5.24% (p93 of band) |
| Net charge-offs (annualized) | 0.02% (p35 of band) |
| Loans / shares | 41% (p26 of band) |
| Cash / assets | 17.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.68% (p31 of band) |
| Operating expense / assets | 4.69% (p81 of band) |
| Vehicles % of loans | 4% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.00% (p28 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 84% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 2% |
| Average share balance | $4,709 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 18% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $18,485 |
| Loans granted, annualized | $321,286 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, delinquency 2x band |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 3 |  | net worth falling |
| 2017-03 | 3 | members leaving | losing money |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 5 | net worth falling, losing money |  |
| 2018-06 | 5 |  |  |

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

- 2018-08-02 [Suffolk Federal merges with Long Island Community Federal - Long Island Business News](https://news.google.com/rss/articles/CBMijwFBVV95cUxQNWJDYnZJdkpaNElJU2hBc0JEYm4xU0NZOGttcmstSE0zWlZHUVMySFpLZ21mcGkzblZGbVBvZDRsb1N3WW9MbHRrZnRkTVVIQmVBNFdUVy14MVUyUzNaWlNDd1ppQm9MUHAxSGV0T0NMQTVwVzlSaXV3RmdnQ2Y0dGowT0tGSWdXbEx1MVFNSQ?oc=5) · Long Island Business News
- 2024-10-03 [DUCKS NOMINATED FOR FIVE “BEST OF LONG ISLAND” AWARDS - Long Island Ducks Baseball](https://news.google.com/rss/articles/CBMifEFVX3lxTE1zVVotTkQ2NHU5eEE5aG9qbXo4VktyRXY0R01HSHBZTm5wYTdleDFEMW5TRGI2cGhpOW5YM2dObmFfY2IzVzFJdmFRYjNNS2lBZlRvajFHSERlNE5hdzE4dlVuS0x3WkR3VGl6cDAwT3JyTjI0TTlTMkhRZ2M?oc=5) · Long Island Ducks Baseball
- 2018-08-05 [Two Long Island Credit Unions In Merger - cutoday.info](https://news.google.com/rss/articles/CBMiggFBVV95cUxPdG9sN1Ayd0xQU1U3RTVEOHpQeE9Rel95elV1X2M3Y2J3eEFPc3RZZmxhMlZDUGhRdDZfbnVkU250U0hJeGdNR293VWdnOEJGcHF1SjBJcW9xeVFmZDlVU0Q5dERXVmx4bW9HUGpuYjh3dXRKYUJ5T1JyZkkzSUNqVFBB?oc=5) · cutoday.info
- 2025-10-09 [DUCKS RECEIVE SIX “BEST OF LONG ISLAND” NOMINATIONS - Long Island Ducks Baseball](https://news.google.com/rss/articles/CBMiekFVX3lxTFB2Vks4YXdpbHJtcjRieGw4V2dialRoY2xwNlVwT042dW5CeTJtUzhTMWlpOHl1Mi1Uc3hadnBNek5GdXRvOEJ1cTVWVGF3WWlLY0hOQ0FLZms5UXpRR0Z6bVVnYU8tSkdDNHVGR1htY05LWjZGYlh3cnB3?oc=5) · Long Island Ducks Baseball
- 2023-08-02 [Bret W. Sears - Long Island Business News](https://news.google.com/rss/articles/CBMiU0FVX3lxTE0wQ2VJQ1lpU3V0MUl2c0VLSEdJWG01VWE2cnVtZ3ZmS3BtRFppLWJZNkpaS0xVVnBuYzhMbGpIUlRJaE8zbjJVa3ZkTk9xVjVYV3JZ?oc=5) · Long Island Business News
- 2022-04-19 [4th Of July Grucci Fireworks Display And Concert Returns To Bald Hill - Patch](https://news.google.com/rss/articles/CBMimAFBVV95cUxNRjdCZnk4bnoyZEI2bXpsVThzWHRQM2hCZHd1UGNhajlzeVRoZHdYNlU5di1HXzYySmlmdVd6dFBuUTNQME9wVFBaTEV4TWFjTjFjR21fVERnaEhmM0kzQk1hdG9fRUlhMWFnZlVhTS1WdjBac1lEMU16dXdrb01INUIxQkVzMzJPX3RsY0pSM0tGUXpNMmdWXw?oc=5) · Patch
- 2018-10-08 [Unions of credit unions - Long Island Business News](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9HMm82TDN4SG9PMkFYcDlNWDh1bXlkaWJrRXlQRWx5UmlabHZWWk1vR0JXcmo3RGlIS2ZKeGdQZTdka3JHRnJfRFZ3QUlJY0pSdGJPZnFIMGRLUGZWUEhhZllR?oc=5) · Long Island Business News
- 2023-10-10 [DUCKS NOMINATED FOR SEVEN “BEST OF LONG ISLAND” AWARDS - Long Island Ducks Baseball](https://news.google.com/rss/articles/CBMifkFVX3lxTE1wZjJNeXNicnpmc1J3bzRDamluZlpVTTk4UWJyVzZGSUVQNWRfenZuY3Z6SG1VLXlYalU2Uk1FZ2lNbUZzMnFUMTRDRE1YZ2lyRS02RTJleWQ3WmlzUi1BWlpsSzY2aUozZWk4QnprdEJ2bVZHdXFOSFRWV0Fhdw?oc=5) · Long Island Ducks Baseball

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21277 (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 "21277", 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=21277
- 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