# THE HEART CENTER
ROSLYN, NY · NCUA charter 22456 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/the-heart-center-22456

Who the members are: federal charter, service (single sponsor), organized 1976. 2,580 members of 3,500 potential (73.7% of the field); checking penetration 30% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $20.9M |
| Members | 2,580 (1.1% YoY) |
| Full-time staff | 2 |
| Net worth | $3.2M |
| Net worth ratio | 15.1% (p52 of band) |
| ROA (annualized) | 0.87% (p64 of band) |
| Total delinquency | 1.90% (p76 of band) |
| Net charge-offs (annualized) | 0.14% (p61 of band) |
| Loans / shares | 59% (p52 of band) |
| Cash / assets | 13.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.62% (p39 of band) |
| Operating expense / assets | 3.06% (p33 of band) |
| Vehicles % of loans | 52% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.03% (p65 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 26% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 22% |
| Average share balance | $4,218 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $13,040 |
| Loans granted, annualized | $3.6M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 0 |  | delinquency 2x band |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | net worth falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 1 | net worth falling | delinquency rising |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 4 | margin squeeze, delinquency 2x band, delinquency rising |  |
| 2021-03 | 2 |  | net worth falling, margin squeeze |
| 2021-06 | 0 |  | delinquency 2x band, delinquency rising |
| 2021-09 | 1 | charge-offs p90 |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | delinquency 2x band | charge-offs p90 |
| 2022-06 | 0 |  | delinquency 2x band |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 2 | assets shrinking |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | assets shrinking |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2026-03 | 2 |  |  |

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

- 2019-02-19 [The Pulse – Powered by Duke Heart - Sites@Duke Express](https://news.google.com/rss/articles/CBMiR0FVX3lxTFBDUTU1LUZBczZHQ3NOYmFWZnQxTjhTc2xGNW1VZnB3ZTJpNzdiOEZaM1otdjVBT29kUmZNYUpQdU1COTJVdkE4?oc=5) · Sites@Duke Express
- 2019-06-04 [BlueChip: Business People - The Register-Guard](https://news.google.com/rss/articles/CBMitgFBVV95cUxNUnFEQk5wSjFOeWcyS0xuaUJaOVJmcldydEhoTDdtNUF2SmlFWnM2MVZKU29IWEd4Z1FkY0thME1XaHpxWlMtT09XNnhDb3hKUkVqR1BNMWRwZE51QjVQdWtmZW9MWEdFVXJYeTVzYU1mcUFEOUFkNGRqTEg2dGgtVWNBd1VwM3B2eDM5TTZjNWhOVHQwZWs3cHBSTmJxWHl4bm1oY016M0JDdGVyUkdINFNKQlk2QQ?oc=5) · The Register-Guard
- 2015-07-16 [Michael Erlewine's life of Buddhism, music and astrology - Big Rapids Pioneer](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOVjJUb1NpblB4c3ZuX3ZMaHdFTHFVd1lHcl9WT0RpX1JwMUtRbTEyYXpTdkxtRFhuSHkyMVd3Y0dKQk5nZ2ZkZlVWV3ZfQ283YjVXUm9ZM0E1aEgxMF9BUlBFUXFpVnJoUDdRd0ZDYV9DWGpUWENPLW9hYWJ3VmVQMXlEV3Bycm1ZUjNCY21PWm1jc1FkWVFQU2JfNTJFVmloWXBnc3NsVmZDSW8?oc=5) · Big Rapids Pioneer
- 2024-07-16 [MEDICAL SPOTLIGHT: ‘Seismic Innovation’ Arrives for Heart Patients at Health First in Brevard County - Space Coast Daily](https://news.google.com/rss/articles/CBMizwFBVV95cUxPaXZfLTRhSE1kdy05bDlfal9DZzZCUUphZXhVTHk0QkRSTVVzMFBBUWpSNExRTjdJS3NWUjBmV21CM1NrYnhmcEM0QnJqRUROdENoakkxQWVjUEIyU1J6ZEx5OVRJazNLRHF2M0lQZGsyQWJCdTNhRGIxOVJwcTh1THJaTS1YRWxMTjNsR3JFLTBfWUVKeHlJSW52eFJsa1gwbUFrTzl6dXJSczczdFNOWnpuNUtuUFpvVExlZ3lBdlFsbGdiTDV3MFRvQmpVRDg?oc=5) · Space Coast Daily

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22456 (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/56.json (key "22456", 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=22456
- 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