# NEIGHBORHOOD TRUST
New York, NY · NCUA charter 24589 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/neighborhood-trust-24589

Who the members are: federal charter, community charter, organized 1995, low-income designated, minority depository institution. 2,911 members of 200,000 potential (1.5% of the field); checking penetration 23% (share draft accounts per 100 members); loans per 100 members 16.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $20.3M |
| Members | 2,911 (-10.5% YoY) |
| Full-time staff | 9 |
| Net worth | $5.6M |
| Net worth ratio | 27.4% (p90 of band) |
| ROA (annualized) | -1.73% (p7 of band) |
| Total delinquency | 1.29% (p68 of band) |
| Net charge-offs (annualized) | 0.22% (p65 of band) |
| Loans / shares | 116% (p99 of band) |
| Cash / assets | 22.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.83% (p83 of band) |
| Operating expense / assets | 9.04% (p97 of band) |
| Vehicles % of loans | 1% (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 | 82% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 30% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 8% |
| Average share balance | $3,297 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $546,590 |
| Loans outstanding per 100 members | 16% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $31,712 |
| Loans granted, annualized | $903,220 |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $546,590 outstanding purchased (9.8% of net worth), $790,714 sold and retained. Sold in 2 and bought in 0 of the last 8 quarters. Shares 7.0% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, expense trap, delinquency 2x band |  |
| 2016-06 | 2 |  | delinquency 2x band |
| 2016-09 | 3 | delinquency 2x band |  |
| 2016-12 | 3 | net worth falling | delinquency 2x band |
| 2017-03 | 4 | charge-offs p90 |  |
| 2017-06 | 4 | delinquency 2x band, delinquency rising | net worth falling, charge-offs p90 |
| 2017-09 | 2 |  | delinquency 2x band, delinquency rising |
| 2017-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2018-03 | 3 |  | losing money |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 4 | losing money, delinquency rising |  |
| 2019-06 | 4 | net worth falling | delinquency rising |
| 2019-09 | 2 |  | losing money, net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | delinquency 2x band |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | delinquency 2x band |  |
| 2021-06 | 5 | delinquency rising, charge-offs p90 |  |
| 2021-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2021-12 | 4 | loan book shrinking |  |
| 2022-03 | 2 |  | margin squeeze, charge-offs p90 |
| 2022-06 | 3 | delinquency 2x band |  |
| 2022-09 | 4 | delinquency rising |  |
| 2022-12 | 3 |  | loan book shrinking |
| 2023-03 | 4 | assets shrinking |  |
| 2023-06 | 3 |  | assets shrinking |
| 2023-09 | 3 | charge-offs p90 | delinquency rising |
| 2023-12 | 2 |  | charge-offs p90 |
| 2024-03 | 5 | losing money, charge-offs p90, loans>95% of shares |  |
| 2024-06 | 5 | members leaving | charge-offs p90 |
| 2024-09 | 5 | assets shrinking | losing money |
| 2024-12 | 5 |  |  |
| 2025-03 | 3 |  | delinquency 2x band, assets shrinking |
| 2025-06 | 5 | delinquency 2x band, delinquency rising |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 5 | losing money | delinquency 2x band |

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

- 2026-07-21 [The Community Organizer’s Community Development Credit Union - Next City](https://news.google.com/rss/articles/CBMimgFBVV95cUxPWC1QUGVhQUpqZUxXRXJoZnNlVDg5T0hoU0dab0dIOURlYzFBV2V5V0hxMDRKcXZ4eGRJaFY2OTRYUm1MZUlpMWFSOXdtYUVaYktmdjROQlRlSHVkSko5eGROcUhEdHNLamV3dXA5YzVwcXIycTdOYndYT2gydmo2V05fQjZ6Y0JFRnYwbmJUaU9lTWFDTDdjNlZn?oc=5) · Next City
- 2025-11-12 [Mayor Adams, DCWP, NYC Public Schools Announce In-School Banking Pilot as Part of "Financial Literacy for Youth" Initiative - NYC.gov](https://news.google.com/rss/articles/CBMisAFBVV95cUxOdjdCWWpObjVUbm8zV1hmay1BbVB6MVQtT0ZVN21idEZNYXNpdjYwS0JnYl9aZ3c2YWxXbXVxSk5XbHgxQ2NIU2ozb0ZtSlFzcjNOYmxSUWxwSC1LQ1VkQmR1andDTzU5Wk1GczhGWm9aYkd5M2ZFT0l4UXpGRTFPOE5aNFk0aGd5UUVBSjNEZHF0bTQzeW96VzRCWmJjVUpOWUpwa2RleXJOOTRQMDRHYw?oc=5) · NYC.gov
- 2026-07-11 [Mark Levine - 2026 Election Polls & Odds - City & State New York](https://news.google.com/rss/articles/CBMifEFVX3lxTE1iS1pZc0p1a29CdmUta3NsaE9PVWNhdWNnTGx5SC1QY2tIS2NqQlNBTzFmTWZQTl80RDhLZU1YZ2xGckt6SmV2SXVVTGtwa3laLTBtdEpVTXpsZFhaYXBZNTUtQXNsVWNoeDFjM1FTR2tnR1FnOTV2cWNoYl8?oc=5) · City &amp; State New York
- 2025-11-12 [NYC 2026 student banking program: Which Staten Island school made the list? - SILive.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQTkZFYTJtaUltVzd0amV2RU83U2JqcF9kblNLaDBZTm4zWU9IV3JaQ1JmNkFYZnhfVVJadHZyWHhCSW5HRjdGc3BMUFBJR3FBZC1DYVZxRkRDSGQwdkhtNUNSZXJmSDEwMzloX1Y3WHpvU2FQcGc5dUExTDRYYXJBM01WRTlEdkZHZ2JiSHhQSEZRWkhpX0I3a3huNnhQbVNmaEZKX0RFMkwxSU9JS203WDl5MjJQSjFudnZR?oc=5) · SILive.com
- 2025-10-30 [Election Q&A: Meet NYC Comptroller Candidate Mark Levine - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxNQzBGVjhhcXhaVEZtZTdwUXdQU1lpTjVIUVN3dnBpQ0tadVdzOTRKTl9VSHZOY192X0RubU5wUFE3M0haTVB2R3pwNHNJNXlDTEFhdUJlMTQ3UzNzRXNHVFRkZDcxc3FTeldKbkNVNmlSR0tRVFVqM3JudzJTeENlLTB4NUhJQ2h4SGotMHF1S2cxQURNa0UzclBB?oc=5) · Patch
- 2020-04-29 [How a politician with no medical background came to be hyped as ‘the Anthony Fauci of the New York City Council’ - The Washington Post](https://news.google.com/rss/articles/CBMizAFBVV95cUxNMUNDdVo0cllqNVJxdUJrWEZEblhqdjBzTTBKR25FbVBldVVNM0dFUlBmT1hmWkQzTmZSUDIxTDBDOHJyRGNVekU4UGZJVTc2eUoyaWc2QUNnMU5qcUhqWjdUUm52dHNoTF93aFZKbWJrazJHV2cyNmJTbXZRd00wRjlkRlM0ZTRJaWk2X04xZmp6ejBUd294Ml9RS0luYjBEVFdLX2dfSnpYX3czd1ZvcW45V3I4SUoxVGdOYVNIajRBamQ3Rnk2TVJkX18?oc=5) · The Washington Post
- 2013-08-07 [Daycare Is So Expensive In New York That Parents Are Taking Out Loans - businessinsider.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE41Q0tXd3hiVXNOckxQNGEzeWxOOVZXMVliUmY2dDNSeDg1Z1BmQWJ3eHhLamxQZXFSZWtUOW1sS2hHYlYwU1M5bFBGbGdWNjdUUXRqOG55cXBWQzBaQlJSWTB4UWZLc0xLdTlYb25xbDd5NnBYcjdkd2V3?oc=5) · businessinsider.com
- 2026-01-02 [Who Is Mark Levine? All on NYC Comptroller’s Career, Family, and Wife Ivelisse Suarez - Times Now](https://news.google.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?oc=5) · Times Now

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24589 (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/13.json (key "24589", 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=24589
- 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