# EVEREST
Jackson Heights, NY · NCUA charter 24906 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/everest-24906

Who the members are: federal charter, associational, organized 2018, low-income designated, minority depository institution. 2,436 members of 50,000 potential (4.9% of the field); checking penetration 17% (share draft accounts per 100 members); loans per 100 members 27.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $9.0M |
| Members | 2,436 (35.3% YoY) |
| Full-time staff | 6 |
| Net worth | $634,608 |
| Net worth ratio | 7.1% (p3 of band) |
| ROA (annualized) | -0.56% (p15 of band) |
| Total delinquency | 5.86% (p95 of band) |
| Net charge-offs (annualized) | 2.27% (p94 of band) |
| Loans / shares | 56% (p48 of band) |
| Cash / assets | 47.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 7.25% (p99 of band) |
| Operating expense / assets | 7.50% (p95 of band) |
| Vehicles % of loans | 6% (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 | 9.22% (p98 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 | 88% |
| Commercial % of net worth | 41% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 18% |
| Average share balance | $2,811 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 107% |
| Average loan balance | $7,098 |
| Loans granted, annualized | $18.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | net worth falling, losing money |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | expense trap, loans>95% of shares |  |
| 2020-06 | 3 | leaning on borrowings | losing money, expense trap |
| 2020-09 | 4 | losing money, expense trap | net worth falling |
| 2020-12 | 3 |  | expense trap |
| 2021-03 | 5 | net worth falling, expense trap |  |
| 2021-06 | 2 |  | losing money, net worth falling, expense trap |
| 2021-09 | 3 | losing money |  |
| 2021-12 | 6 | expense trap, delinquency 2x band, delinquency rising, loan book shrinking | losing money |
| 2022-03 | 6 | losing money, assets shrinking | loans>95% of shares, leaning on borrowings |
| 2022-06 | 6 |  |  |
| 2022-09 | 7 | net worth falling, loans>95% of shares | delinquency 2x band |
| 2022-12 | 4 | margin squeeze | delinquency rising, loan book shrinking, assets shrinking, loans>95% of shares |
| 2023-03 | 3 |  | margin squeeze |
| 2023-06 | 2 |  | losing money |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 4 | delinquency 2x band |  |
| 2024-09 | 4 | loans>95% of shares | net worth falling |
| 2024-12 | 2 |  | expense trap, loans>95% of shares |
| 2025-03 | 4 | net worth falling, expense trap |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 7 | thin capital, capital below 7%, margin squeeze | expense trap |
| 2025-12 | 5 | expense trap, charge-offs p90 | delinquency rising, net worth falling, capital below 7% |
| 2026-03 | 6 | losing money |  |

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

- 2023-12-05 [How a Small Brooklyn Credit Union Punches Above Its Weight - Next City](https://news.google.com/rss/articles/CBMikgFBVV95cUxOcWU4VlhTWXlyUEJBdVozYVdEZEJvRG5XZnk4dUIwRHJhWXJrUDRzSVFtTXBNcXA1azFyRzl5SU4wZ2NybXBSYzJTZUF2YWRvRVZlUG5WRzg1bEJrbTN4WHNqQjE4aVJXM29jcndMVVk2bTZrWE1GWWRxWkNJZk9NTzJ2QlhWdW9vbEk1OWxkdXN3QQ?oc=5) · Next City
- 2025-07-14 [U.S. Nepali Credit Union Launches Debit Card, Offers No-Credit-Check Loans - nepyork](https://news.google.com/rss/articles/CBMipwFBVV95cUxQNUhXRVRJdm5IeU1DQW90VGg0LVJLT2k2TVNwOUdqU1d3WnhITldEM0RoWGdwdlQtU0J4SU5zT3h4RTB6VnhMYUh2dGdrUnBlWlQySkkzSWdORlNyM0R0ekwxUHVNd09sQ05iYlhfNEpKM1loTEk4ZzhiWVB3aWN3UlFiRXd1a2RkeG9aWTJDcDY4V1piZEoyTnBTdUNTNVZlUjI4OXBXaw?oc=5) · nepyork
- 2025-04-29 [HALESTORM announce 'Everest' album and North American fall tour - Revolver Magazine](https://news.google.com/rss/articles/CBMimwFBVV95cUxOZ1l0ZHl0SkhFTy1QLW5JLWwzWkRjY21LRVUwZjZaVkRPMWdLcDY2YUtrY0J0VTVUSHRteERwT3J2clYzYUVPa0MtcU9DUzUtY05zclBwU3MyRnVQV0tKOHpZV0FQWTZBN1BhV0NiZ29qU2pmLTdUYkhrSUdabTJQT2ZvN2ZRMkZfcVAyMkFjUkppTFkySW1UUXRRTQ?oc=5) · Revolver Magazine
- 2023-02-07 [This Black Barber Opened the First Credit Union in Arkansas Since 1996 - Next City](https://news.google.com/rss/articles/CBMiqAFBVV95cUxORmVwLUY4aG1hTVdib3pVRjhTNTVrOXhYY1J2OUxOM2ZIdDItT21UTzUxbWZqWUZPX0poX1h0RlBPZE5IaW1mYzhHd2l6bndOdjhUODUzMnVyTW5pbnVoNzh1UzRUSFlUN1N5SGZpQ2VPSEhkWmhPZGR4eS12b29MM05pd1hHUDBfSmY3OTl5Q0lmYVVZNUZPbGdwQ0Fxd1V3Vm5ZRjdhT1Y?oc=5) · Next City
- 2025-04-29 [HALESTORM RETURNS WITH EVEREST, THEIR SIXTH FULL-LENGTH STUDIO ALBUM OUT AUGUST 8; “nEVEREST” GLOBAL TOUR ANNOUNCED FOR SEPTEMBER-NOVEMBER 2025 - Rock DNA Magazine](https://news.google.com/rss/articles/CBMixwFBVV95cUxQNmdsenNRVVZfR2dtUWMwRjAwMnp3NzhlMDduVVI4YzN5a1V5dExoNVZwUzN2YkZDX3lNaGhuSkNwbjFYbTV5bURjX0dhaFN1U0FUYnp2NTZaNGlaVFQzVDNxTm1qVGV5TDNvODd6Yy1oRXpUaVUyV0VMN1JPMnRRTVpjN2RFaVM0M20zUFdGczhjNk5HV3hORzVNQ2c3NDZ6STd1NjhxMmNNcG9SLXlKUDNLYlNnNEFxcmZWRkdUV1JrU2s3Vi1Z?oc=5) · Rock DNA Magazine
- 2025-04-29 [Halestorm Announce New Album Everest and 2025 World Tour - Consequence of Sound](https://news.google.com/rss/articles/CBMiggFBVV95cUxNSVpTcTRRMXMxeDk5RzFvRWdwVVRYdFg2SFJqeXA2LWZJdHR6cHdOZU9uOXNvNVJiZEZUaHBNRjdROG1xVmtQVEVnRzJDeGZRaWZZc1BkUDVHMFFvRUhWNHh5dzlmcUd0Q05hQVdZNVFtNk1iWVZJSU5lTDRiUjJqV2V3?oc=5) · Consequence of Sound
- 2025-06-01 [Halestorm reveals "Everest," title track of upcoming album out August 8 - chaoszine.net](https://news.google.com/rss/articles/CBMilgFBVV95cUxOSEM5cGRLcFNlSC1qRW1SQ2c3SldFV2Rrek5idE5zd1ZCU3pQOHk3dXFPam1BOTE0X3RNZHNsanZmZEd1WDhSSGZJS0s3VWFxRXNKcDZaMTB3ekxXT281SWh4cHBTbVFEb0VaNy1OQkxhU21FNUV4MElUZ0NESlFNLTZ4eVNmc000YTBXd3pQdk1nWlF4Umc?oc=5) · chaoszine.net
- 2025-05-30 [Halestorm Premiere New Single & Music Video "Everest" - Metal Underground.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE85RUs1Rlp0QnVjR2dDNXNxLVE0RzY2ZldzR1FjMVY0Y0p2akpseDFscGtqcGc2ekNMS3Awc0tVMkEyLTVOa2s2TlhkRFJmYmhNNVF5eExQejUxeWlZOHUyNkNaSVZ2Z2pScXpNMzMtNzA?oc=5) · Metal Underground.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24906 (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/10.json (key "24906", 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=24906
- 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