# NORTHEAST COMMUNITY
San Francisco, CA · NCUA charter 23780 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/northeast-community-23780

Who the members are: federal charter, multiple common bond, organized 1981, low-income designated, minority depository institution. 930 members of 70,000 potential (1.3% of the field); checking penetration 10% (share draft accounts per 100 members); loans per 100 members 6.

**Verdict on the desk:** this could be *quiet fade*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $15.8M |
| Members | 930 (-9.3% YoY) |
| Full-time staff | 7 |
| Net worth | $4.8M |
| Net worth ratio | 30.2% (p93 of band) |
| ROA (annualized) | 2.60% (p97 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 53% (p42 of band) |
| Cash / assets | 60.2% |
| Borrowings / assets | 10.45% |
| Net interest margin | 3.12% (p22 of band) |
| Operating expense / assets | 5.48% (p85 of band) |
| Vehicles % of loans | 2% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 75% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 12% |
| Average share balance | $11,134 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 6% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $104,755 |
| Loans granted, annualized | $1.5M |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)

## 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 | 1 |  | net worth falling |
| 2017-03 | 5 | margin squeeze, delinquency rising, members leaving, loan book shrinking |  |
| 2017-06 | 5 | assets shrinking | margin squeeze |
| 2017-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2017-12 | 4 | delinquency 2x band |  |
| 2018-03 | 5 | charge-offs p90 |  |
| 2018-06 | 2 |  | members leaving, delinquency 2x band, charge-offs p90 |
| 2018-09 | 2 | net worth falling, members leaving | loan book shrinking, assets shrinking |
| 2018-12 | 1 | assets shrinking | net worth falling, members leaving |
| 2019-03 | 2 | members leaving |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 | delinquency rising | members leaving |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 3 | delinquency rising, members leaving, loan book shrinking | assets shrinking |
| 2020-06 | 4 | margin squeeze, assets shrinking | delinquency rising |
| 2020-09 | 3 |  | assets shrinking |
| 2020-12 | 5 | net worth falling, delinquency rising |  |
| 2021-03 | 3 |  | members leaving, delinquency rising |
| 2021-06 | 4 | delinquency rising |  |
| 2021-09 | 3 |  | delinquency rising |
| 2021-12 | 4 | leaning on borrowings |  |
| 2022-03 | 3 |  | leaning on borrowings |
| 2022-06 | 3 | members leaving | net worth falling |
| 2022-09 | 5 | delinquency rising, leaning on borrowings |  |
| 2022-12 | 5 | expense trap | margin squeeze |
| 2023-03 | 3 |  | delinquency rising, expense trap |
| 2023-06 | 3 |  |  |
| 2023-09 | 5 | delinquency rising, assets shrinking |  |
| 2023-12 | 2 |  | loan book shrinking, delinquency rising, assets shrinking |
| 2024-03 | 3 | losing money |  |
| 2024-06 | 3 | net worth falling | losing money |
| 2024-09 | 1 |  | members leaving, net worth falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 3 | margin squeeze, delinquency rising | net worth falling |
| 2025-09 | 1 |  | margin squeeze, delinquency rising |
| 2025-12 | 3 | net worth falling, members leaving |  |
| 2026-03 | 3 | margin squeeze | net worth falling |

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

- 2026-06-04 [Northeast Community Federal Credit Union Partners with Prelim to Modernize Member Account Opening and Drive Community Impact - Business Wire](https://news.google.com/rss/articles/CBMijgJBVV95cUxPTzF1WXFfWkNXbGxMakNXT0pwYXNpRTl5amVMSS1zUEtqckpPZkJ3WjNRYkhvaGRJenRzQVJ0SjdKaDlESDBoLTdqRWJtSDVkWWFQZ2F3UE5XZVFRUWpSRHhtMHUyNk9UZ09sSXA5eENIeUVlT3ZKVWJhN1NOMXl6b2Vma1doNG1BT3RSWHlFVkg3UkRkX1hsSkNYc2piajdlR0NleHdFaGw2Z0t4TlJ3emtieEhZMkN6NnB3NVl3NFI0TzVRcXh2TnVyTHc1Q2VNdGFqVGZfQlZTYi10ckl3S09ZOFFKTmRPb18yUmJkbHBNMUFvclJtemlMUGgxY3o1bXg2WXZ5dmpQaURmb3c?oc=5) · Business Wire
- 2021-08-09 [Northeast Community Credit Union Ballpark - Elizabethton River Riders - Stadium Journey](https://news.google.com/rss/articles/CBMihgFBVV95cUxNWXBfOF85emgyM3FXVUhZQ0hic29Kc2laTmhIMnhGalJqWDhmUWl2VTI1M2czSXA5M0JWU2o2cUVjbGx2ZWxvT0lOLWVRcWJ0UG1vcGZNd2VMWERKOVE0QlBPekEzSFBMQUlaQjRObERjUWdUeWl1Qkpaek9RQVVCVlFJc3NrZw?oc=5) · Stadium Journey
- 2021-10-06 [Investing in Community: The Story of Tin Shing Printing - The San Francisco Foundation](https://news.google.com/rss/articles/CBMie0FVX3lxTE16ZTZoNm5obm5LWWJSM0toYmZuUkZfcWVMZEhpSmdia1d0d0RaMU15X2g2ODV3TEoybHVHdWpqejRnTWdWSzZOWDdLSi1PRWRJTTNqYVVBTDVwM3BUc2lpSFdwYUx6VThGTHdRZm55SWlHbnExQkFBTlBSQQ?oc=5) · The San Francisco Foundation
- 2026-03-18 [S&P Global Market Intelligence Releases Annual Rankings of Best-Performing U.S. Community Banks, Public Banks and Credit Unions for 2025 - PR Newswire](https://news.google.com/rss/articles/CBMilwJBVV95cUxOd3FSNXI3TTA4YXh1NUlHem1wQTRBMlZpUHhXSktKSTFTdy1aSFFVcjJYbnlJYUx0V1VXOXpfVk9FdHFDNTByUEJWeWxGZHF5Y0FpeWNwMmFLZ2NISGYxOGRPVzhHbEZDYWR4aXhXQ0tvUENONDVuZVZRbFc0RVdXd2lzMWtkQmRmYUxRUDktcXQzWmRZeVloRkhJYVBGQU82MTdVbzlvS3p5cEFjcU9NQ0s1MVZQUm9wanNmZmFDVFdCeUUzVU1qeVU1ZFg5aFNrLXZPdEVzazhoNmdYUEhfOXJXNENaYXhkTmlSU0lYQ2RUYjFTdWxIV1JDb1JuZmR3WDJPbmUxeHp2cG5fX29BR01HTlAzNkU?oc=5) · PR Newswire
- 2022-09-30 [Elizabethton River Riders announce Kiva Fuller as general manager - mlbdraftleague.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxPMFZmQXdub0FGZ2hKNlh2b1VuVzJDZkYtRUItVDltUTU5LU5wclFJSjBGV3hSUFFCMHB6Rm1XMlBsMFE5bWpWOHlsREhic29wdE9oWHB4OHRQbU4tS3JQUndfMC02ejFNOVVCeDRjSHk5dmN4VFduejJGOWpWMWJWV0ZsSEdFeDdSOEs5a2p5MEVLTlRLc1FKRXkzcTNsOXV0VllvNkRyaEtzbmhjRmc?oc=5) · mlbdraftleague.com
- 2015-12-16 [FBI: 2 men charged with hostage bank robberies - WBIR](https://news.google.com/rss/articles/CBMinAFBVV95cUxQcnY5a2hUTm1kdDB0bkJTZnF4Smk5cUxzTzJJTFl3dTJ5RkJLNml5NHRzd3BnQ21xc25kaVVBLTBwX1BDTWdqb2o2Wnp4blppX3BEUTlUQ3pwLWtuamlYODhwQUFWUzFIeEl5d0RrZDlfXzVoMlBTZW5PYzFwRG1BSWhleVdlZjhtUDh4RDZscGthbktPWTlUMmpHOW8?oc=5) · WBIR
- 2017-02-03 [First hostage in Michael Benanti trial testifies of fear - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiswFBVV95cUxNbFk1NmZNcFdQVnpKOUZoQ05zZ1U4Y1FxSnlrY2wyeEx5ZU1PZ0Z0S010VE1ScDB6VmdqT01wRlB0cmVLWGtBTGhDX0RMU0E5VXdiX0Y1ZGVmNFo0ZkVLb0c5a2xUdDN0SzQ0eUhTdDJUbFVScmxZclF1VnRNTXNmT3V4MElqbVRDdVVkLV9fV3UtUzBKblRGVmVyOEdxTmViWU1YSlBUWTk1ZTNNTnhtWnh0aw?oc=5) · Knoxville News Sentinel
- 2018-07-15 [Bristol Motor Speedway - Stadium Journey](https://news.google.com/rss/articles/CBMid0FVX3lxTFBCNGRNbl9WNWplbXBYYUpTazJWMllhTWM4dnhYdjRjemV3VUdMVnI3OWNmOXFyQUlDNWJfMEZOaFQ5bzFXeXZSVDRjT1M2SnpsOFF5UC1wcUhaRzVOR29naVplbzlFWTJjY2VsT0l2V3ctclJNSjcw?oc=5) · Stadium Journey

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23780 (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/36.json (key "23780", 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=23780
- 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