# NEW YORK UNIVERSITY
New York, NY · NCUA charter 23958 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/new-york-university-23958

Who the members are: federal charter, multiple common bond, organized 1982, low-income designated, minority depository institution. 10,733 members of 75,000 potential (14.3% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 23.

**Verdict on the desk:** this could be *fortress*. 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 | $75.9M |
| Members | 10,733 (1.5% YoY) |
| Full-time staff | 14 |
| Net worth | $14.2M |
| Net worth ratio | 18.8% (p87 of band) |
| ROA (annualized) | 0.86% (p60 of band) |
| Total delinquency | 1.14% (p76 of band) |
| Net charge-offs (annualized) | 0.57% (p75 of band) |
| Loans / shares | 84% (p89 of band) |
| Cash / assets | 13.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.62% (p90 of band) |
| Operating expense / assets | 4.49% (p78 of band) |
| Vehicles % of loans | 10% (p5 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 69% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 14% |
| Average share balance | $4,350 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 23% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $20,622 |
| Loans granted, annualized | $11.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $5,119 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 4.3% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, expense trap |  |
| 2016-06 | 1 |  | thin capital |
| 2016-09 | 1 | thin capital | expense trap |
| 2016-12 | 1 | expense trap | thin capital |
| 2017-03 | 1 | thin capital | expense trap |
| 2017-06 | 5 | net worth falling, margin squeeze, delinquency 2x band, delinquency rising |  |
| 2017-09 | 2 |  | margin squeeze, delinquency 2x band, delinquency rising |
| 2017-12 | 3 | losing money |  |
| 2018-03 | 3 | delinquency rising | losing money |
| 2018-06 | 1 |  | net worth falling, delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 0 |  | thin capital, delinquency rising |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | delinquency 2x band |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze, charge-offs p90 | delinquency rising, delinquency 2x band |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | members leaving | charge-offs p90 |
| 2021-06 | 2 | charge-offs p90 | members leaving |
| 2021-09 | 1 |  | charge-offs p90 |
| 2021-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 3 | charge-offs p90 |  |
| 2022-09 | 4 | members leaving |  |
| 2022-12 | 3 |  | delinquency rising |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | delinquency 2x band |
| 2023-09 | 2 | delinquency 2x band | members leaving |
| 2023-12 | 1 |  | delinquency 2x band |
| 2024-03 | 0 |  | charge-offs p90 |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 1 |  |  |

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

- 2025-10-20 [The 2025 40 Under 40 - City & State New York](https://news.google.com/rss/articles/CBMigAFBVV95cUxNRnVPS1FldXl1c0FKalVsMGV5c2xkUUxBQjBaZ2VPWEc3TEd4ZHlGUGRuTlJsOU11RjNOeU5RQnBFMWdIQThidklFMlF3T2k5czRqbTBxT1h1RUZDZlhTNzNlS1c3T1NsaWJEclNhdkZPeUdwNjdWejZGWjBpZGxHSQ?oc=5) · City & State New York
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2025-05-27 [Jovia Financial Credit Union Announces Appointment of New Chairman and Board Reorganization - PR Newswire](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNQVotZ01DWkdYMVFrcE03U3NwVTVYTlpXVGxCTmtUTTdtVldjREFYRkRaRmVNbUtYekUzbFRHWGwzM3M3bVRKRjhxbVNRbTdncHNOWUdudkttMEFnYlR5SGF2cVBzX2dVM0p6V2JqQXdmUUxOLW44aV9IOHNyTWotQTBFcWFycFMzWnFLR3ZFM0F5aFFPODQxSWtUXzRkX0hySHFtYlZVRmM3UTNUbjdDTnJQNVRldG1lQVJ4aEtMQzZsLUtVaGYzc0hnLUxJUUhCRHlzYmZkcnRmNGJkRXY5UA?oc=5) · PR Newswire
- 2017-04-07 [2017 Best & Brightest: Jessica Guo, New York University (Stern) - Poets&Quants for Undergrads](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQcEpiLUkzbmRLRzhLb1VScGJIckM3WFNmejAwanE2Ty1aLXgxeUE1MThHMGwtOS1qaG01cHVjTTZQWk9xRjU2XzJyU3BZUGRLN0toWjZwOGNLOUJLb0hmYWdnWF9qM1BpNDlVVW9HYXJCWUNJQ1c5dnhiTW5jMXZrOE1GQ2JUaXk1THNiTllWdGxTUktpNGk4b3NZUTlFWFpMb1gycGNnVERnUG8?oc=5) · Poets&Quants for Undergrads
- 2025-04-11 [America's Best Regional Banks and Credit Unions 2025 - New York - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxQeEk3TUd0LUd6YTZiZkFaSGpRRzdDVHVzUWdsaDJuUzVmSHBBV1I4X2dQTHh1ckdQWklQdnpzMDh3UHBkaE9RQTBNV1piUUJQYWkyVXVUd2k1dGpncWpQTHR6Qmp4UGZKSENYNWx2MkxueTJIY3I3S01JQWlnbnhsQXNsSFgxRnl5b1VXdnBTSQ?oc=5) · Newsweek Rankings
- 2020-07-01 [Black-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMicEFVX3lxTFB5NHlXMVFqNU0wTjdESlM2b0g4OGp5ODQ0cTNtOW83eFBEMTBWbl9kUUp4VTNHX3plLVBlS3J1X3VNMGdhcDVaajZrZTJlX3RuS3FPNjJHWkNBSlRxbExsUFVlbUJfTjhZa3B3TS02Q2M?oc=5) · Investopedia
- 2018-04-13 [The Little Bank That Could (Published 2018) - The New York Times](https://news.google.com/rss/articles/CBMigAFBVV95cUxOWXgtQzhpMFZyWm4zM2lQU0s2cEprVjRXc0lsZ3lseGhOcFJ5V3NkNzZQVmZFUUZSa21mMmxCMWlEUGtOUG5DQk1DNmRBREptYmQ0UHRLY3p1RExMQmJTeGM2WHZRNFdaaDI0TlFDYkpoWDhuUE9VdUoxSXAzVGx2cA?oc=5) · The New York Times
- 2018-12-06 [Credit unions thinking big picture with their staffing - americanbanker.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNUi16WlB4VGRUVE45MXI0X0s3MWFaYXBzTFVVb2pTNDczU05JUXlZMlVFMVk0c2k5cHFHTGQ2djk1b0hyQzZrRUJhZWp6bEhWcVlLdkNkNlBLWUdqU19wc3JPdUpBbmppMVNKNkxteEIzTkhWaWM3NHZhUV9SWUpFVnFwNWZ5MjZRWlZwbUtiVVJmbEhkYllJY3B5TXdkVk5JUWlvSGl3?oc=5) · americanbanker.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23958 (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/22.json (key "23958", 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=23958
- 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