# THE FINEST
New York, NY · NCUA charter 24862 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/the-finest-24862

Who the members are: federal charter, government (single sponsor), organized 2015, low-income designated. 12,316 members of 100,000 potential (12.3% of the field); checking penetration 86% (share draft accounts per 100 members); loans per 100 members 45.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $35.8M |
| Members | 12,316 (17.0% YoY) |
| Full-time staff | 8 |
| Net worth | $8.5M |
| Net worth ratio | 23.8% (p84 of band) |
| ROA (annualized) | 1.08% (p73 of band) |
| Total delinquency | 1.96% (p77 of band) |
| Net charge-offs (annualized) | 2.55% (p95 of band) |
| Loans / shares | 100% (p96 of band) |
| Cash / assets | 21.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 7.07% (p98 of band) |
| Operating expense / assets | 7.12% (p94 of band) |
| Vehicles % of loans | 8% (p7 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 | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 92% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 29% |
| Average share balance | $1,172 |
| Participations bought / yr | $6,156 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $4,933 |
| Loans granted, annualized | $10.3M |

## Participation posture (from the same filings)

Bought $6,156 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $14,073 sold and retained. Sold in 2 and bought in 4 of the last 8 quarters. Shares 5.9% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **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 | 3 |  |  |
| 2016-09 | 4 | net worth falling, charge-offs p90 | delinquency 2x band |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 3 |  | charge-offs p90 |
| 2017-09 | 3 |  |  |
| 2017-12 | 5 | thin capital, leaning on borrowings |  |
| 2018-03 | 2 | charge-offs p90 | losing money, net worth falling, thin capital, leaning on borrowings |
| 2018-06 | 4 | delinquency rising, loans>95% of shares, leaning on borrowings | charge-offs p90 |
| 2018-09 | 5 | thin capital, net worth falling | delinquency rising |
| 2018-12 | 4 |  | net worth falling |
| 2019-03 | 3 |  | thin capital |
| 2019-06 | 2 |  | leaning on borrowings |
| 2019-09 | 5 | thin capital, net worth falling, charge-offs p90 |  |
| 2019-12 | 5 | delinquency rising | charge-offs p90 |
| 2020-03 | 5 | capital below 7% | loans>95% of shares, delinquency rising |
| 2020-06 | 6 | losing money |  |
| 2020-09 | 9 | delinquency 2x band, delinquency rising, members leaving |  |
| 2020-12 | 4 | margin squeeze, charge-offs p90 | net worth falling, capital below 7%, losing money, delinquency 2x band, delinquency rising, members leaving |
| 2021-03 | 5 | delinquency 2x band, delinquency rising | margin squeeze |
| 2021-06 | 5 | losing money | delinquency rising |
| 2021-09 | 2 |  | thin capital, delinquency 2x band, losing money |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 2 | delinquency 2x band |  |
| 2022-09 | 5 | delinquency rising, charge-offs p90, loans>95% of shares |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 4 |  | delinquency rising |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | delinquency 2x band |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | delinquency 2x band |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | delinquency 2x band |
| 2025-03 | 6 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2025-06 | 3 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2025-09 | 4 | delinquency 2x band |  |
| 2025-12 | 3 |  | delinquency 2x band |
| 2026-03 | 7 | net worth falling, margin squeeze, delinquency 2x band, delinquency rising |  |

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

- 2026-06-28 [OPINION | JOHN BRUMMETT: It’s a different world as Razorback Stadium gets new name - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMinAFBVV95cUxOUm1XRGtXVGZGZVhEVVdDRk5udGlWdkFkdGlYWmJMZjkzc0dwQUZxSFBvcjVYUkM3XzNfbnN5S2NqV29rdkNtSndORzd1N05FRW8zOFo0eGQ3UUJRSFVyRTBmSElmU3FudWpUdjdyVEtZTW55dllBSG5mSjZ1TEtidUFRMEtpVC1YYzNYUkFkQmI2eG5uNXNiejF2ZGM?oc=5) · The Arkansas Democrat-Gazette
- 2023-05-12 [Launching a credit union? A recession might help. - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxONkpQMWk1aDY4Z19DYk5tbVVGMVo0RHFNcEFEcEJKbDl6eUx2LWpqOV9WTURTWjlpUjA0V19ETHFwbHhXblpQYUQ2Mk0xU0pTU0d5cnJiMS0yb2Fybm12Q1VPRUtyQ1VRSUg1S1E3TnYydXRENk9CVFlXNzRjTXBmWkliMjAxM3U2MDI0b1JIUXRudEp4cm5VcnplZHo?oc=5) · American Banker
- 2023-08-04 [ASU, Arizona and Utah will move to Big 12 Conference - news.asu.edu](https://news.google.com/rss/articles/CBMikgFBVV95cUxNVkV3aHZtWHdsbEdWUDZqMmQ2WGVrWjhKVGJVUGxTZzBaYWU1TnFtMlprQ3lXMV9Ecklta3I3d2U1NHFIM21oeTYyU2xuRFQxTkJBY1JrNGZ5ZndneEc4dEFJWmY1UEtvTnRiUXNLTTNQWFZHbGVxQm0wT1F4NXAwWVVkRDNmNGdFTHFka29XVEs1UQ?oc=5) · news.asu.edu
- 2019-12-14 [Jane Schlehr Obituary Dec 14, 2019 - McComas Family Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTE1MQVFXNEpRQ1JsTkF6RXN5X1Z6QU1OXzJmT25yQkhwaGZLemxrWVlaSG4wVVdzRExmU244M1c3WU5MQjBidVdqZTBDWVlnNW1SdWhNRVpIYm1vM194Vy1DTS1aUG9ON2xJQ1E?oc=5) · McComas Family Funeral Homes
- 2025-02-03 [Willie Nelson and Bob Dylan to Headline 10th Annual Outlaw Music Festival with Billy Strings, Nathaniel Rateliff, Sheryl Crow, The Avett Brothers, Wilco, Waxahatchee and More - Relix](https://news.google.com/rss/articles/CBMipgJBVV95cUxNTGFqaExuOTNfOVNUWnM1TC1wa0Z4eDhFVEN2TVNUWXpyaGF2dFpoRHRtMW5fNXlJZW11aFJ1NXVEeDlwOVFybXRMY2p2Z2Z6RXJ6WFMtaC1NUVExb0lDc0lwbDdiOGhncm5oSlQzU2Jsd19mMTI2SVFhNm5VeXZpWTVxQ2cwTW0yUVhET0hGU255T2hDSkg1azJvNk5hZDRNQXRrMVpVLXllTmJDUGlBVmNIWUdveWdDVWs2dGlPYjhCTlN6YjJSV0NsbDhZZWQ5bkNQaEU1c2FUMjgwZnI4Y0plS2FoRndFWG5xSVEwZW1yWGVyRG85aEtQRW93d3l5UFpqV0VMa1U1RHByT2FMME1ZblloMGpkc0xURXlYdl9iNmNaZlE?oc=5) · Relix
- 2021-01-12 [Ed Potter loved people, and people loved him - The Downey Patriot](https://news.google.com/rss/articles/CBMijgFBVV95cUxOQ0VKajRKQ0g2Nk9Qcml6MUkydXpicnpsU1FKQWNGS0x2RVA1elE0NmhrUGVHV1RhUDRlTVFwZmxkWS1Gczh2d1ZMdEU4Y2ExQ1U5T1JJN08zTndXNGRqM184RmVyd0w1c0ZiY1JFT0hxRUFJYXliRXI4b3FWeVY2T0NJUERnb1BlYk9QS2pB?oc=5) · The Downey Patriot
- 2025-02-03 [Phoenix to kick off 10th anniversary of Willie Nelson’s Outlaw Music Festival tour - Phoenix New Times](https://news.google.com/rss/articles/CBMirgFBVV95cUxQaUhrRUw3VGN2cWxsdi1waGhsMVV3ajFMb1lEelloU0p0emxNWXo2TFZmYlRjYWFVWURRd0xzbjQ0SU1EbGdHWFJ0YmE4M0pRbmlXT1RYeUpZa2ROa1NDRllFNF9lVm5qTjRjNld6Mlc4VEN3d1NjOFdSbHhyQkFmSW9TMXVuUWRBbWhvQVFoODMyTmdnV1lXWDR2UTJWcHVteHFSUzBuQXJmLU5YWWc?oc=5) · Phoenix New Times
- 2018-11-03 [Ailey II performance brings next generation of legendary dance troupe here - thegleaner.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxQbUFSS1N3Z2dNR3o2dEZQR3dyUVVFSnhnRzdtRzNCVUtEdkJoODMwdmM1MU5OaC1EbC1weS12Ri00YkNDN3hQaVhNOGR2NXdqYTR2UUpHR2ZWbGluWTVYdWhQcVBQaHNNdHhjYXVTak5VSklkdi13MHdtU1dGaHE4Q2JTS1ItVzl5OXhPNGhpRlVIUHhiUG5ZMHVsNkZqemRnWFJXNXZNUUpleGlQWWZZSFZsUHlqM0pPaHFndA?oc=5) · thegleaner.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24862 (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 "24862", 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=24862
- 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