# I AM
New York, NY · NCUA charter 24670 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/i-am-24670

Who the members are: federal charter, multiple common bond, organized 1940, low-income designated, minority depository institution. 15,233 members of 998,000 potential (1.5% of the field); checking penetration 32% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $102.4M |
| Members | 15,233 (-1.6% YoY) |
| Full-time staff | 19 |
| Net worth | $12.0M |
| Net worth ratio | 11.7% (p51 of band) |
| ROA (annualized) | 0.28% (p23 of band) |
| Total delinquency | 3.12% (p98 of band) |
| Net charge-offs (annualized) | 3.75% (p100 of band) |
| Loans / shares | 39% (p7 of band) |
| Cash / assets | 4.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.08% (p76 of band) |
| Operating expense / assets | 3.55% (p47 of band) |
| Vehicles % of loans | 16% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p34 of band) |
| Vehicle delinquency | 0.15% (p16 of band) |
| Vehicle NCO | 0.15% (p25 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 26% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 58% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 14% |
| Average share balance | $4,180 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.8M |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $8,209 |
| Loans granted, annualized | $9.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.8M outstanding purchased (23.4% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 8.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 3 | members leaving |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | members leaving |
| 2020-03 | 2 |  |  |
| 2020-06 | 5 | net worth falling, delinquency rising, members leaving |  |
| 2020-09 | 5 | margin squeeze | delinquency rising |
| 2020-12 | 7 | delinquency rising, charge-offs p90 |  |
| 2021-03 | 9 | capital below 7%, losing money | delinquency rising |
| 2021-06 | 8 |  | charge-offs p90 |
| 2021-09 | 3 |  | net worth falling, margin squeeze, capital below 7%, losing money |
| 2021-12 | 2 |  | delinquency 2x band |
| 2022-03 | 5 | capital below 7%, net worth falling |  |
| 2022-06 | 4 | delinquency 2x band, charge-offs p90 | capital below 7%, net worth falling |
| 2022-09 | 3 |  | charge-offs p90 |
| 2022-12 | 5 | delinquency rising, charge-offs p90 |  |
| 2023-03 | 2 |  | delinquency 2x band, delinquency rising, charge-offs p90 |
| 2023-06 | 3 | delinquency 2x band |  |
| 2023-09 | 2 |  | thin capital |
| 2023-12 | 2 | delinquency rising | members leaving |
| 2024-03 | 3 | charge-offs p90 |  |
| 2024-06 | 4 | net worth falling |  |
| 2024-09 | 3 |  | net worth falling |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | delinquency rising |  |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2026-07-30 [AmeriCU assistant vice president inducted into New York Credit Union Hall of Fame - Rome Sentinel](https://news.google.com/rss/articles/CBMivgFBVV95cUxNbUF2Q2RIY05ROXpUTF9QenBVSkt3eGJrb2pRd0VybUk4c0UtLVBuNkYwaU1lVzU4Z08yUFh2djFoUktKb000b1FGV1Fza2JDb1p4YVl0TGFXR2JWSmlVTEVVNHlGdXpfdU5TZGVGcGdCZmI4VW41RW4yVmxwWFpzWTQ1WFN0UncydjM5T3NWTFBXMWJnNUN5Ulkta1FXN3dKSnVqdFJJMUFrUFZwODFjNFNWdVJ1UFdCXzI1RjFR?oc=5) · Rome Sentinel
- 2026-02-28 [Bill Mellin honored for visionary leadership by AACUL - CUInsight](https://news.google.com/rss/articles/CBMimgFBVV95cUxPMm56UEFlaG5samV6aVltSHYxYl9RcG1lbHF6YktVTDlaOHV4LWpzNWJDVHcwLTBjc3VtV3Y2MHM0Z21QMEdxU1hRQ0dFbGUzcHR2UzktVWtDV3NfaUEyaV9GMEQyTS1qazdKc3k2R25mSk44YjBjXzZiQ25ZTWxBc2hETjJmVzNxMmo1TXEtUlMxUWQzOTNFdVFB?oc=5) · CUInsight
- 2025-11-05 [First New York Announces Planned Retirement of President/CEO Lucy Halstead - Capital Region Chamber of Commerce](https://news.google.com/rss/articles/CBMiswFBVV95cUxPYTJkRFBNTW8tbk05VElwZW95dTZVUUZESE5nWnZuSzhLQjJHZHhpSDU4UnR4NUNIRVdCRzA5aWxvMmczeC1OQ0hGNDA3Rk9OQkhyc0dabWUxZDVVZTktVmNUVlQ4LXpNQjd0dnBocWlfQ2hIZXpjelh4TXdVQjVDS3VkaHZfdTFNc0VsNXQ2MU9LWGtTTTBhYUNZeHlwMHdVN3pPOHVwSE5jelByUkZON0tkMA?oc=5) · Capital Region Chamber of Commerce
- 2025-10-30 [Municipal Credit Union to Open Branch in Far Rockaway - PR Newswire](https://news.google.com/rss/articles/CBMirgFBVV95cUxQQkVBa3djVV9mVl9sM1VZZGFHRzF4UXN0UVRaMDBSWmJlZlhORjdHdUhma1UwLWZQRDBlT2JBMFlOTEUtNFBxejRzMjFsLU93c3d5R2ZHRmplSjRyTXpESUUzMWU5MGQ0a2tBRTN6UnFIT2wwVkZvY0V1aXRzblZJYzM5MnMxc2xNY1g1NkpLZERQcE9weVJSZHllajdwMEJEaXZqM2toVW1JemJuWVE?oc=5) · PR Newswire
- 2026-01-15 [Pitbull Returns To North America Bigger Than Ever ‘I’m Back’ Tour Featuring Special Guest Lil Jon - Live Nation Newsroom](https://news.google.com/rss/articles/CBMizAFBVV95cUxQWHFiY2M4RlpQQ3hvTFVKaV9HTC1VR2Y5czlnUmZUNHZvTDhLenY0RFk4dDdpRlJncHl4Z0JZaTR6VjUxSzBqdGhWYldNU1E3NHQ4cG9mekJsMmhzVGR5X05zSUZEb2xvaXcwVnQzazBBN1podXMtRGMxbjZKSWRGSVcxSUZsUFEtcFBXVG9PRDJpWnZsa0lwOVlkcHRQRENhWlpEaXpyUkd0ZWxXYlZZR1Y5d1laZ3EtSlVjdE4xNWNqUTFmekt6em9hZVY?oc=5) · Live Nation Newsroom
- 2025-11-06 [MCU to Open Arverne Branch - rockawaytimes.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1ZR2ZXeGtWZzZzNksxQXE4X1c3MldkRzNINzNVME5lWXFoTjVyeG9ubFJyZ0hCOUNYY3dmTEdkR3h4ckwwYzRKaXVwVC1CUkJibTg2cEt1YVAwLVlXdFRVQVBZQQ?oc=5) · rockawaytimes.com
- 2025-11-07 [Municipal Credit Union Set to Open Branch in Arverne By The Sea - rockawave.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxOMzFScWlsakVfUVhoa0lfOGZCdWlGY3N0dlNBekdjNE4zeER5dE5sQXdEbGRVaG1NazRHMHVhMGtxLU54NVd3NDZwUHl3eVgyNDRFMXhSTVFKNHFGY213ZWhEM3JVMEJpeXNYTEhBQzJZY1F5T3hFaGpZS0V5S0wxaDhwUmZEbk5yeDItcjdJenljQzgyWlZsUllGZnBrWGJM?oc=5) · rockawave.com
- 2025-09-17 [University at Albany and Broadview Federal Credit Union to Pilot Educational Programs for Businesses - University at Albany](https://news.google.com/rss/articles/CBMitgFBVV95cUxQSzJjbVlqMHc1RmJWNkxYajJjQmROckhhWURiajJoRE45NzdFUmJWb0M2dnNOb09HVWduSDVlRjZNaGNNM1h3Y05KNGQ2V2tzMGV2OGNTRFoyQ1BjTlVGUUpVY21XemUtTU5tTW9CcjhUcnBycTdhVGN6Vm5Dc0U2ZkVvZEptS1hLa1FiNUpUdGJwUi1LRVlHOGl6d2RBNE9fcmUzcE1udG04T3FIeDBmV2RBWVZ6QQ?oc=5) · University at Albany

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24670 (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/30.json (key "24670", 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=24670
- 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