# POLISH & SLAVIC
Brooklyn, NY · NCUA charter 22592 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/polish-and-slavic-22592

Who the members are: federal charter, multiple common bond, organized 1976, low-income designated. 127,100 members of 155,000 potential (82.0% of the field); checking penetration 85% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.73B |
| Members | 127,100 (2.9% YoY) |
| Full-time staff | 373 |
| Net worth | $307.9M |
| Net worth ratio | 11.3% (p61 of band) |
| ROA (annualized) | 0.77% (p56 of band) |
| Total delinquency | 0.26% (p12 of band) |
| Net charge-offs (annualized) | 0.06% (p3 of band) |
| Loans / shares | 65% (p11 of band) |
| Cash / assets | 2.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.06% (p34 of band) |
| Operating expense / assets | 2.76% (p26 of band) |
| Vehicles % of loans | 12% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 1% (p9 of band) |
| Vehicle delinquency | 0.08% (p2 of band) |
| Vehicle NCO | 0.14% (p2 of band) |
| Repossessed % of vehicle book | 0.01% (p25 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 122% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 21% |
| Average share balance | $9,028 |
| Participations bought / yr | $24.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $117.1M |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 77% |
| Average loan balance | $40,707 |
| Loans granted, annualized | $524.5M |

## Participation posture (from the same filings)

Bought $24.0M and sold $0 in the latest annualized quarter; $117.1M outstanding purchased (38.0% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 2.0% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 0 |  | delinquency 2x band, net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | delinquency rising |  |
| 2020-09 | 2 | margin squeeze | delinquency rising |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | thin capital, delinquency 2x band |  |
| 2021-06 | 3 |  | delinquency 2x band |
| 2021-09 | 2 |  | margin squeeze |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | net worth falling |
| 2022-06 | 0 |  | thin capital |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 0 |  |  |

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

- 2026-07-10 [Polish & Slavic FCU Awards Record $700,000 in Scholarships - CUTimes](https://news.google.com/rss/articles/CBMilgFBVV95cUxNcTR6SmN3VzJCbXdZN1lQMzUyN3VSNGI3clZlSUpXRXNSWnR5TExGcE5VZE5DNXRPOGZ2VDktWWFjZ1dwZU92bTJDNEVKM0NiWnFZNS14WGpUX0hlOGJlYlRFLVNZMUVFSzhTUmFJb1FhR0RHT21MVlVzdGtxSjRzTHNQZkdwaWJSLVBDV05aLVJ2MDB2Tmc?oc=5) · CUTimes
- 2022-05-18 [Hon. Todd M. Harper Visits Polish & Slavic FCU - PR Newswire](https://news.google.com/rss/articles/CBMioAFBVV95cUxNRm94MWRPU0NUZ0lTdHpIMHlKYzQzRjdpOG1QVTF5UURsbENxYjd0RGtxVzJ2MWxxRnpQdWQxMFdUSlFoUWxzRENKbnpSaVBkUUdzNnY0Z0JoSDZJSjVrbmQ1QUIydmVMQk5PaEJsa0RsemRZcTBRblgwaF9xQjRraTBocXFiNUVmZW9fX2dmOUFfTmJpajhQUXc5OHZyTFo3?oc=5) · PR Newswire
- 2021-04-20 [The Polish & Slavic Federal Credit Union Helps Members Navigate the U.S. Financial System - CardRates.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQbjU0eDB4MTRSQ1ZrZy1qRlVURjBZcVpucFRjOUZXWFB2akFOSXVlVnJGaW9oNkdjV3ZITFVULUVPWnlLWHAzMnl2U1d2ZkowdGw4dnZSZWM4VVFTdmVGQzU3bGZzWTBuWkRJbWZmSWZESk5SbmVJZVhhQVNuamxIVUlqMA?oc=5) · CardRates.com
- 2019-09-19 [Polish & Slavic Federal Credit Union Marks Another Milestone: 100,000 Members - GlobeNewswire](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPZ2FEcmpVcnEyRzBDNzQ5djNPUXdTSVpHWXlFVmhFTWwtVTE5bTJtb3JZMkx1R2hzUnRBVkNMdEk1RVBwRFZ5blJsUzNpbGpuUUpsYjhDUzlOU1pDcmtpeV80VW5SNnR3bFRWRTBXTE43eGpXcEZ0a1NnWl9yTzdYLWZoempiM2lwcHJMWXhnV2xpcEgxMTdDNWlXQzIweUE1TExsOWF5NjRkTmRqV3BsSlZOMkI2WjAxZm5aR01JX04zMW5MQ3NMZW5FaGRDQ3NWTDNzcFdUQkRSdlpYTkdz?oc=5) · GlobeNewswire
- 2022-10-24 [Polish & Slavic Federal Credit Union to open another Chicago-area branch - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQRE5qck1GM1IzXzg0UFZoR0hwa0pBYzM4eFB4bjRmOW9yRFRxM18yenNqUnB0LWxrb0syYzhScWJVM0wxNHBEOGo3NlZTQUU3eWcwLUNhRUk4LWItdnRmLUdHbnQyZC1kd3NmU2UwLWFzaFVuZ1l3YkU1WFFRX3Y3NDBmYnJ2Q0ZuaEt3WWpweUxZeGNsMmxhckp4TW9iZkxB?oc=5) · The Business Journals
- 2016-03-21 [40 Years of Service Means PSFCU Offers Great Benefits for its Members - Greenpointers](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQNmtWS1o5OGhqV2JpUzMyOEVtM2lGYzF1cGxiOG5rTVJwcEo2RlFxN3psT0FQTHhvMzBxOWdQNnJRU211T0dSQkdidHB0NWJaSXdlZjlJM3J1MWhSR2Y3a1FrdGdXM3hRYUlXYTVqY2VwMlBZMHdCRDdMVkc0dDdMSWFHQkVyNHIySFhmeDdCT1ZBb0wyN1RiY3ZRTnhsQVY4RzJiTlpvbUpKQUE?oc=5) · Greenpointers
- 2011-05-26 [Polish & Slavic Federal Credit Union Welcomes New CEO - PR Newswire](https://news.google.com/rss/articles/CBMirAFBVV95cUxPOG5YM3V3d3paNDdJbEoySVVfSkJQeTQ3WU5yZXltbFBQcWw1dWxQUHIydzJIa0hsZWQxdS1VdTZkYmNVQV8zZU1JeExrVVB2S09VMnV4TTdzNjFIbXpDWnZlWHJaOUlPLVc4VGc3Y25OWmgzVjdseXZ4MWY1YTcybTFEUWUySXpsWGpLSUpyd3ZaTHdaQUZiR1piakl3bnlYSE44cW9FMnMwdGM5?oc=5) · PR Newswire
- 2024-08-01 [Warsaw Uprising commemorated in Times Square - radiorampa.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE1xNmJrRzVSQ3VGSEFfRm5hdzRXNzduWmFYTmsyUjBqUnRYU2x4Uk9JUlZxU0RJc3cwdFpOa21yNElSN1BoZDFhalpXWk9vWlhtai15bHJ2b0Jlcll1WW1FR3Y4VWRubEJOOWNxSlBLVER2ZEprclB3?oc=5) · radiorampa.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22592 (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/0.json (key "22592", 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=22592
- 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