# LAST
LONG ISLAND CIT, NY · NCUA charter 23317 · asset band <$50M · latest filing 2020-06 · stopped filing after 2020-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/last-23317

Who the members are: federal charter, multiple common bond, organized 1979, low-income designated. 1 members of 1 potential (100.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 0.

**Verdict on the desk:** this could be *ordinary*. 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 | $4,012 |
| Members | 1 (-99.7% YoY) |
| Full-time staff | 0 |
| Net worth | $4,012 |
| Net worth ratio | 100.0% (p100 of band) |
| ROA (annualized) | 0.00% (p26 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | – |
| Cash / assets | 100.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.00% (p0 of band) |
| Operating expense / assets | 0.00% (p0 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | – |
| Certificates % of member funds | – |
| Average share balance | – |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 6 | losing money, margin squeeze, delinquency rising, loan book shrinking |  |
| 2017-06 | 6 | assets shrinking | net worth falling |
| 2017-09 | 6 |  |  |
| 2017-12 | 6 | expense trap | margin squeeze |
| 2018-03 | 5 |  | expense trap |
| 2018-06 | 3 |  | losing money, delinquency rising |
| 2018-09 | 6 | net worth falling, losing money, expense trap |  |
| 2018-12 | 6 | delinquency rising | expense trap |
| 2019-03 | 5 | members leaving | net worth falling, losing money |
| 2019-06 | 5 | losing money, margin squeeze | delinquency 2x band, delinquency rising |
| 2019-09 | 6 | expense trap |  |
| 2019-12 | 6 |  |  |
| 2020-03 | 3 |  | losing money, margin squeeze, expense trap |
| 2020-06 | 2 |  | loan book shrinking |

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

- 2026-03-24 [A Syracuse credit union is about to get a lot bigger after a merger - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2026-01-30 [NYC's fastest-growing credit unions by residential real estate loans, 2026 - The Business Journals](https://news.google.com/rss/articles/CBMiugFBVV95cUxNenhpcGNKQVBzX3plOVNUNG9FdHI3UEtkc2JqaXY2bUJOamRVUElmLU9fOFVRMFVLT2lTRjQwSy0yNWRFZjFTXzNITzN0b0JJSVFFakxlVG9oZ0FIb1pmS2xfRENoc0N0RlVBNHpZMjBhd0VscUgzbUNUV3g3Qy0zSXVxTnlVdTE1Qm5qaWZXbjVVTm1sN2x5TTNBVXI5YjZhU3Q1cW5NVndGaUdSSEZDUS1VTzAtcTM5UEE?oc=5) · The Business Journals
- 2024-06-03 [Why a Rochester Credit Union Wants the Local Government To Create Its Own Bank - Next City](https://news.google.com/rss/articles/CBMilAFBVV95cUxPNDF5X2J1bkMyVXJKMW8zTWJuSW1ZNGZrNFNsN1M3eVF2NG1TRVhFQ0g2cWEzSXJVdTM5dlhGUm9URzlhTHlpVUZxeTBuQlJObE1FMU52OWZwaFIwOVpqWTE5M3VCd3BZSUpQRXl3UmpQakRRNnJncFNxUHdtamtLVDRab205RnBrT1l3RzdTSU1HaVFs?oc=5) · Next City
- 2025-01-02 [How many credit unions acquired banks in 2024? An industry M&A analysis | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRXVobmhmLTlwUVhUSGhzUFNydE44NGZZekt6VlJsa0E0a2cxOV9fTEgwa2tHV0dpTXIxSEI2NUxQTERjeDNLSUlfWkJ4QXdzQzJ4QU9fN2RSUjVpTmJGQmJQSmxJd3NXQ04zSXJWMDU0cC1VenNxcXM4Y3hGXzUwUTAzYzZzeGtzeWU0X2RKN1RVWjhCaUg2QVl4U0xOV01vcUVrOTR1dHFYbTFiMmR0QWtkSzI2TzlLYzJn?oc=5) · American Banker
- 2026-02-03 [This summer could be your last chance ever to see Paul Simon in Metro Detroit - MLive.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxPYy1nN1NsNWVrU2lHX1JiVjFOUlZRUkppRTNubXYwSGVFRUszaDRhR1NyOURHV21UcjNyMVM1MnNRcEtaTmF4OWxJb1pNcW9nTmF4bHpCTjFocXNjdnhSdjFoZTJoaGhaVU5lU201eUxQOVdYOHRrWnN6Q2l5aTdnRENtXzFMNXY1UjJVSFJmTjN5QV9fcTdmWEJvMWpXcHdxTWNYZ1RsTzJmX3c3VXlpNnV5bDQzNlJIa3Q1aw?oc=5) · MLive.com
- 2025-11-07 [Singer Rod Stewart including Utah stop on ‘One Last Time’ tour - Gephardt Daily](https://news.google.com/rss/articles/CBMimAFBVV95cUxOSU9NSDR2Mi1ZeHFrWkpjTUZPLU5Jbi1hZ2RWbDRuSmZPaVU4QXFmNkVRWThpbnFjUkQ4cWhMWUFHMmd2aGdtRzNURU44Nld4cXBVNWRyWXFweHZ6RFZfeWlVMFpYWHlMbzNHdXY1bEFfMTV4SlVPdk1sd1FibHlNckVCZjdYa0JCQ2RpVzhvYkpiQ3A0N1V0Sg?oc=5) · Gephardt Daily
- 2024-04-30 [Long Island credit union seeks growth in Cherry Hill with first New Jersey office - Courier-Post](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQNW9QalRlNk9JSkFUM3BnRUtpeWJROC1HV3hKNnozMzYzR1dKRXJNbHVmZllkUE1uVFh0Q0NuQlJDcFYwam50U0trWHZkcS00YzJJUTRrWjhTdFNVczNveDhKNGJabUJtdmMxSE96Z0I5eVFNSnlfN2dJX3d0WWdFLW5ObUpHcTQyNnp4cW1TZjhLRWZjZURXWEVyLVNZc2Z2RmdkVHRRbC1GMEM2NVdlT0RxS1ZzVVFjel85bktoUWVDN1RMMTV1cE52Sk9aZ2lYNkI4aE1VUzk4V3pOOFFR?oc=5) · Courier-Post
- 2021-07-29 [Credit union opens branch in Heuvelton - WWNY](https://news.google.com/rss/articles/CBMiekFVX3lxTFB5SEFaR1BFdjJUS3c2MHVQTTNjbUVSUVQyZDRfRXpMLTFQOWQySGJHT0dVX0psdlFzeEtPMk1UaWxGYU1NR1NtWDg1YjZmZERMendaYjBZX2RKU2xTeU05S1pRM1E0WU43WDdTc25RUkwwa3pVZUp0Uk9B0gGOAUFVX3lxTE05aUtYWEMzeFVQT2RCZWRfVkRJN3FWU01NNEJzOWoyUHZlbkFEUFZ1MmNmcjdjVm9JbWRBa21SUnM2eXExNW51c1d1ekZ2VXI4Ni11ZDhONnNFN0NTRWx2UDIwMW02VUdqU3A3ak93M0hEY1AzRndsRDFxTEJKTHNEUG9BZDVtY3FyWFp6N1E?oc=5) · WWNY

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23317 (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/21.json (key "23317", 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=23317
- 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