# HEALTH EMPLOYEES
ALBANY, NY · NCUA charter 22075 · asset band <$50M · latest filing 2018-03 · stopped filing after 2018-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/health-employees-22075

Who the members are: federal charter, multiple common bond, organized 1975. 3,847 members of 12,000 potential (32.1% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 25.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $34.0M |
| Members | 3,847 (-2.8% YoY) |
| Full-time staff | 6 |
| Net worth | $5.0M |
| Net worth ratio | 14.7% (p64 of band) |
| ROA (annualized) | 0.49% (p63 of band) |
| Total delinquency | 0.60% (p45 of band) |
| Net charge-offs (annualized) | -0.04% (p17 of band) |
| Loans / shares | 36% (p19 of band) |
| Cash / assets | 23.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.37% (p21 of band) |
| Operating expense / assets | 2.54% (p26 of band) |
| Vehicles % of loans | 28% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 1.00% (p66 of band) |
| Vehicle NCO | 0.00% (p34 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 36% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 1% |
| Average share balance | $4,564 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 25% |
| Loans granted per 100 members, annualized | 55% |
| Average loan balance | $10,697 |
| Loans granted, annualized | $4.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## 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 | 1 | members leaving |  |
| 2017-06 | 2 | net worth falling, delinquency rising | members leaving |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | net worth falling |  |

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

- 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
- 2021-08-01 [SEFCU, CAP COM merger would create one of state's largest credit unions - Times Union](https://news.google.com/rss/articles/CBMioAFBVV95cUxNeDJTQ3hHVGZ6Q2VtY0RCSGxGZzc0TGlTdHpKX2tTeThCZFh0TU5pX3laNE9ibjF1WF9FdVc1LW5PSWtwLVlIdG5aTDgxT3JWOWFUeWtZMkRsUDRyNENjTzZYbEVvMDk5UEYzNm45RUlTV2t0SVJGcFBOdS1EX09uZnZIX2lFVk82b0FhOUVlTHlPUmpSUWlXeDA1QmtOVEQx?oc=5) · Times Union
- 2026-08-12 [See PEOPLE’s 100 Companies That Care List 2026 - People.com](https://news.google.com/rss/articles/CBMibkFVX3lxTFBYUFB1dllMZ0tZSGFXamZxVWpPRmpoU1phdTVJRFZhR2JrOWIxSGxvOWgxc2g5Z3phMEY1ZnBWSmMwU2hwd0FDdlE2VGozQThIeEdWbmNDODg1aUhNWXhVNjNnQ2puLVB2UldWRGR3?oc=5) · People.com
- 2020-08-26 [Albany-area credit union merger in the works - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxQVUhRaC1HTVhLemVldzhUem1EeUF4YV90bmFKYmpaUEJWTUpRQWRYcHA2QjQydmpTWmwxNk1kd3JINWZyMzV3N1pxTW9ic2FuRlhUTmctUGZuOG81SXZBb0YzNUlXNHhtN2h1dGxXdVBZclBSRWpZVkg3V1JWQTBzVG9ocHJ6VmlLN0RSRGZua0ZubjlUdEpZMQ?oc=5) · American Banker
- 2024-09-30 [MARY MARGARET YOUNG - Trimble Funeral Homes](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5NRFVZWDZCMEQyeVZnVXU5SEdsV3FEaGhaUXdNRkNlUWRhWThPYU1aZmJ2NHNzcHM0UV95VmhCTVpaMzJXNmx0SHQ4Y0ZsQ1JjUno2cVVfYlVsUzNkYU9laUx0RFo?oc=5) · Trimble Funeral Homes
- 2026-02-19 [Payroll met for North Star Health employees; Duvall’s $420K severance payout not included - nny360.com](https://news.google.com/rss/articles/CBMijgJBVV95cUxNMmxzNUdISFp6dlVPblRZSEoyZFJaSnE0OVk3VjJ0MllpMElqMGxGR05FRldTZnQydW90RUR6ZjRYTkhqTnM2M0p5cmNzYWMxZEExY1h6WGdMYm10V0w0Zk1NRThGb1U4ZFJSWnVqOHpWbzhWSFN1dzlTOWFUcWV4b2VVR2JRSzNQaXd6US1lRkRJVm1MbGdZLTZrQk0zWndzeUUxcmw2UGF6ekkxSy1JbW5zZnVvV3lNYTFNbVBHbWRNcHhfcnduQmdDN1puQUdhbGVJWjlkdWhoVDdpU1JsOFhIcVBCY2szQnNHX0FLaU4zUWlFdzBhcVZHYlo3SE9mVDNobzNNVFR1OXFVUmc?oc=5) · nny360.com
- 2024-06-07 [37th Annual Golf Tournament Raises $144,000 to Support Local Healthcare in CNY - Oswego County Today](https://news.google.com/rss/articles/CBMivAFBVV95cUxNNzd0V0VlLXJwcHJ1UXVRcXFibVVSUFNpZzVPLVNRcTJ1bTQyV0EwbF9HTXFJb3FaNFgySHAzNjdmZUNObXpMZkhiWVMtaGFVSV8wUTZROWxWOWtNU0JyRlBqUkN1ZnNFa2UyNlhYYjVNRmRMMFk0VmNLdWZram4wUThFTmNwYzlLRXNxVDhqVmNSWEhTWVl4cmlqamlySnI3UmZWUVZfbVhDb3VrNmNZbElmdXJKVlRBNWxhMQ?oc=5) · Oswego County Today
- 2026-04-12 [These 57 employers are 2026 Top Workplaces winners - Times Union](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5sWWNIdlpwcnFuclhzTFh2RXFYczZ4SXkyRnFNWllfVzV6aVVhNE5MaWhrRXlYUmM1YW5JakFSV1pNaV9Fb1B6TE54eWFDQXluTlNUbHM4ZF9wLU95akd4b1ljYnpRZw?oc=5) · Times Union

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22075 (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/59.json (key "22075", 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=22075
- 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