# URBAN UPBOUND
LONG ISLAND CIT, NY · NCUA charter 24823 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/urban-upbound-24823

Who the members are: federal charter, community charter, organized 2009, low-income designated, minority depository institution. 1,418 members of 321,140 potential (0.4% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 4.

**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 | $2.3M |
| Members | 1,418 (-2.2% YoY) |
| Full-time staff | 6 |
| Net worth | $219,072 |
| Net worth ratio | 9.3% (p12 of band) |
| ROA (annualized) | -0.43% (p16 of band) |
| Total delinquency | 3.17% (p88 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 6% (p1 of band) |
| Cash / assets | 93.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.65% (p11 of band) |
| Operating expense / assets | 4.37% (p67 of band) |
| Vehicles % of loans | 0% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | 0% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 99% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 93% |
| Certificates % of member funds | 7% |
| Average share balance | $774 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 4% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $2,296 |
| Loans granted, annualized | $23,732 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, losing money, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 3 |  | losing money |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 5 | losing money |  |
| 2017-03 | 3 | loan book shrinking | delinquency 2x band, charge-offs p90, losing money |
| 2017-06 | 2 | delinquency 2x band | net worth falling, loan book shrinking |
| 2017-09 | 3 | members leaving |  |
| 2017-12 | 4 | delinquency rising |  |
| 2018-03 | 5 | losing money, charge-offs p90 | members leaving |
| 2018-06 | 3 |  | delinquency rising, losing money |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 | members leaving | thin capital, charge-offs p90 |
| 2019-06 | 3 | loan book shrinking |  |
| 2019-09 | 3 | charge-offs p90 | loan book shrinking |
| 2019-12 | 3 |  |  |
| 2020-03 | 5 | delinquency rising, assets shrinking, loan book shrinking | charge-offs p90 |
| 2020-06 | 4 | margin squeeze | delinquency rising, assets shrinking |
| 2020-09 | 8 | thin capital, net worth falling, losing money, delinquency rising |  |
| 2020-12 | 4 |  | members leaving, loan book shrinking, losing money, delinquency rising |
| 2021-03 | 4 | charge-offs p90, members leaving | delinquency 2x band, net worth falling |
| 2021-06 | 3 |  | members leaving |
| 2021-09 | 5 | delinquency 2x band, loan book shrinking |  |
| 2021-12 | 6 | net worth falling |  |
| 2022-03 | 5 | losing money, delinquency rising | margin squeeze, charge-offs p90, net worth falling |
| 2022-06 | 6 | charge-offs p90 |  |
| 2022-09 | 5 |  | charge-offs p90 |
| 2022-12 | 7 | charge-offs p90, assets shrinking |  |
| 2023-03 | 4 |  | losing money, delinquency rising, charge-offs p90 |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 |  | thin capital |
| 2023-12 | 1 |  | loan book shrinking, assets shrinking |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 3 | delinquency rising, charge-offs p90 |  |
| 2024-12 | 2 |  | charge-offs p90 |
| 2025-03 | 4 | thin capital, losing money, margin squeeze, charge-offs p90 | delinquency 2x band, delinquency rising |
| 2025-06 | 6 | net worth falling, delinquency 2x band |  |
| 2025-09 | 5 |  | net worth falling |
| 2025-12 | 6 | loan book shrinking |  |
| 2026-03 | 5 | delinquency rising, assets shrinking | thin capital, margin squeeze, charge-offs p90 |

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

- 2024-08-19 [New Yorkers Claim $345 Million Thanks to Mayor Adams' Push for Enhanced Earned Income Tax Credit, Opens new Credit Union to Empower Local Communities - NYC.gov](https://news.google.com/rss/articles/CBMizwFBVV95cUxQbThZLUJoSTJvbURDYUVMOVhkYW5LZVN4Z3cxYVNzV2JLRHVwYWp0WEdZXzkzQTIzb0tSb3BaajBfeGRaelVJZEJmM29ySm1vaExhRmFnMkl4LVlHQ2ItYk41UlVwOU5SRUswVjRlUFhJT2s5LVZpTEMtRWVqTTFDNjdNSTVxWk5EYVRSd2xpZkJxM0hXU0VyellQelVBdlppMHB0cHJRcWs3OG42eTVwb3Z0WUcyYWJqaGRTZVNVeEM2eGY0dV9MczBFR2N3WnM?oc=5) · NYC.gov
- 2024-08-21 [Federal Credit Union’s Grand Opening On Steinway Street - qgazette.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNT0s1SkRSOEpHdHBsMHdKTlhOZmdwMzBxOFZOdVJCcl9WXy1vRWkzZzBxcmFoLU9iRGl6MHZVT29WRWdjcklINlZFT0JrYmdTOWFRT0hwYXpjRXlPbFRsb0JtUHJEMy1XZk0tOVhSQmtOWEw4MnAzamwwQ1VBU1FoTUU3V19uTzJuVHpsUzAtTnpEbXc?oc=5) · qgazette.com
- 2021-02-24 [Black History Is Our History: Bishop Mitchell Taylor Takes On Racial Wealth Gap Created By Redlining With Urban Upbound Federal Credit Union - CBS News](https://news.google.com/rss/articles/CBMifEFVX3lxTFBmaG1qX1pXQkRrcVdTSG45bk9YNDNKM0lsNzhwSlJfX3RmcHBILU0wd0k0MFZxc25lZXpFN1FweDk2Tk1EUVN4ODNfaUUzZVdBOFRyYkxhanA0dzhOQnRVLWZKNmgtb09VME1wRTRvMDZUVVlvUjY1NEM5SDHSAYIBQVVfeXFMTkowcXF6dUxhQUxJRzBZdXQwZVpuRU9qMzJWNmJMSGthWjk1MTBGb29RS28tQlV5d0lWOUZ1dVFpWlJsOFZKVGtEREZMVGN1WGtGS2RvLU9nQnRGNE04YW1CQ3BMNGk5Q2ZiM2FXMW5PS1hPZ0dLQVRaejVhSFNXV01PQQ?oc=5) · CBS News
- 2024-08-19 [NYC’s enhanced tax credit program put $280 million back in low-income families’ pockets: Mayor Adams - amNewYork](https://news.google.com/rss/articles/CBMifEFVX3lxTE81c0pCX2VuWmFLdTRDa2lLb00ta3NfNnNNS1hIWENFcloxZHdWZGVuZmVhN2dJOE1UNU9MY1JMVzBWc2F6OE5LbXNvQ1JLLXpzVkpuYjZTd1owcjIycmVmaEMwdE9fcmwtSnB1SENkRVl5RVFyV0FxYjJwY0o?oc=5) · amNewYork
- 2024-08-19 [Transcript: New Yorkers Claim $345 Million Thanks to Mayor Adams' Push for Enhanced Earned Income Tax Credit, Opens new Credit Union to Empower Local Communities - NYC.gov](https://news.google.com/rss/articles/CBMizwFBVV95cUxNS2Y1NU11WmVWXzJ6QTRUdzZfOEhtRlA4U2R1MUszWUdKOXpNWEg1OW11aUtsQlJKQnpvbkpsOXdyWWk4cDRiZC00b2FFQTAxYXdRazdqb0Nqa0xKakxwbE51VVN3UUhndWVQNVhNY3BRS05RaWVHN05oNlJwTVhMc0J1OTJNelNXOGktZFc3Mm9uOF9RUzNvcTFYUXhTNERpdmJYclZ3aU4weE96SDVOOTJKWFN2aHZVLXRZaTNMTk9RVllqSVpBWTlaU2tGaWs?oc=5) · NYC.gov
- 2025-02-19 [Black Owned Credit Unions You Should Know - shoppeblack.us](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1rWVo2ZldNTEZ4XzlKSlVoaC0yaXlSMmd5dFI0cmpoU0Z3cG8wR0tvT2EtdkI4U1NfamlsT01adjM4RXlfWFRVWkh0RXVXTDc3SG5TVHIwWWJSUVpuVnc?oc=5) · shoppeblack.us
- 2025-08-13 [Hundreds Gather For Community Rise Day In Queensbridge - qgazette.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPeUJWUVlrTElWRzJDNUtfanpoTUJzWEtqWE8yQ3dOZkNuUlUtMlFZelk4YUxXM2RRdG5RbDRGN1pwZjVLQW5CNm40TnNQbUF2T1dDM1BmR1Q2bWpmbDlTZXVLdE81T3ZEMEpmdGloek1FT092T0lVZ18xdzZMbERTR1hjZFgyalNjR01nTVlpakJZLXM?oc=5) · qgazette.com
- 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

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24823 (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/55.json (key "24823", 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=24823
- 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