# NEW YORK EPISCOPAL
New York, NY · NCUA charter 24942 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/new-york-episcopal-24942

Who the members are: federal charter, multiple common bond, organized 2022, minority depository institution. 404 members of 50,000 potential (0.8% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 6.

**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 | $1.3M |
| Members | 404 (8.6% YoY) |
| Full-time staff | 1 |
| Net worth | $213,095 |
| Net worth ratio | 16.4% (p58 of band) |
| ROA (annualized) | 48.48% (p100 of band) |
| Total delinquency | 5.00% (p93 of band) |
| Net charge-offs (annualized) | 0.10% (p58 of band) |
| Loans / shares | 15% (p3 of band) |
| Cash / assets | 83.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.40% (p8 of band) |
| Operating expense / assets | 29.11% (p100 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 | 0% |
| Unsecured % of loans | 96% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 54% |
| Average share balance | $1,747 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 6% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $6,223 |
| Loans granted, annualized | $63,200 |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | expense trap |  |
| 2023-09 | 2 | net worth falling |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | losing money |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | assets shrinking |  |
| 2024-12 | 5 | thin capital, margin squeeze | assets shrinking |
| 2025-03 | 3 | charge-offs p90 | net worth falling, losing money, thin capital |
| 2025-06 | 4 | thin capital, losing money | margin squeeze |
| 2025-09 | 4 | margin squeeze | thin capital |
| 2025-12 | 5 | thin capital, assets shrinking | margin squeeze |
| 2026-03 | 3 | delinquency 2x band, delinquency rising | charge-offs p90, losing money, thin capital, assets shrinking |

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

- 2023-01-11 [Diocese of New York establishes credit union to expand community access to financial services - Episcopal News Service](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNRTA0OFo5dFZ1M3BUYmlRc2tZSEFIdUZxd3o4bjdxTDhWODZHRFRaS3E2d0Jjd2h3eDQtWDk3MzliWFFPZHBLZm9UTk1OYS1MdkdFYmxQLWhuSmpiNzlrRUVienZId0JhZnV4M2Y0WTY3WEVNUFJtbzd6TGZrRWQ3T1Z4aGdzblJpQzZkS2hsUTA4dTdIVEF1T3BMelhRWElDWEx2bW5LUk9CSUd0U1g4bmxtZUg3d0xQSTZIZGJDMWRzZDNsUVFqUjJGZHJVQ2p4NjlsQQ?oc=5) · Episcopal News Service
- 2023-06-30 [Diocese of New York Launches NY Episcopal Federal Credit Union on Ascension Day - Norwood News](https://news.google.com/rss/articles/CBMirAFBVV95cUxPYWp1ODJGYUNDc2Y0c21PSjk5UjlzZkZBMHc0RmVwMmFiMlZwUUtHcUNtZWRYa2x3WGFHb20yOWtjTlRPeE5OMmUxakVZb183QzNOZmZnbE5QaHZSVC1QcTlIcWlmenZZaXlYWFRvT0RvQmhiWGw5djNRU3VWQzhNN3Q2OHM3bWFTTFl5TGxpQkF0enlFQi1aRThOWEg1UUV0cDV1YTB3dTFERkpw?oc=5) · Norwood News
- 2023-01-13 [Episcopal diocese establishes credit union to expand access to financial services - christiancentury.org](https://news.google.com/rss/articles/CBMiswFBVV95cUxQblhwT3QxWVUxRGJCdU5DT29YT2Ywa2FqZkRWUHA3M29FUzRyNEljU2drei1EeFpaSlczTjR5MjZzS3Q2MUZFWkhWdWpubGpqSG5tY1p0Z05GSnBjMTFBYml4NHhETEQ2Ym82SG5LZldOdFNLbV9RVTYxMG5Na0VGV0ZZY09ZcElWczNVRGlwUDgzUUxVWnU4ZzFhTXZ5a3p0akt3MmM0YU5ON2ZuazNzdERwRQ?oc=5) · christiancentury.org
- 2023-05-22 [Extending a Financial Lifeline, Episcopal Church Credit Union Launches in the Bronx - Word&Way](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNd1JvOVJqVnR5WmFUVzQ1X2FVOWVRZGQtR3llbllNN29IeUluczZ1N1BPQ29FUk9EYlZtV3Vodm5YN0tzcGZScFJoUzd1MC1WSE1SVUJQMjZ5RGgxaU9zMFNLSFNZc0VVTDUzaW5jaE5rNjFOQ0ZHYi1SSVBFSmZjTUV2QmFLVzdkNmdjajMtRlhuemI4WmM2NFNVeTJQYlNFeUt0SzR5R0xlS0JTYlpHb05xWExTbzho?oc=5) · Word&amp;Way
- 2024-12-13 [City and State Officials Celebrate Opening of St. James Terrace - Norwood News](https://news.google.com/rss/articles/CBMilgFBVV95cUxQM3B6X05WNGZMeUg5eXJUbG5BbzlpLTRmX0lQcWw5LVFWMVRqeHNGTjV6Y1F0czJTWUtQVzJyNGtpSzZickVHVHAxcnNsemhGNmc4TVN1emNPZkNOdndVV043T3ktN1RQVzhoVV9XbXdDLUQyYTgtUy1kZlJnYzVhSHQ1WFhsMnc5VVFCd0Z1WjI0YnFFanc?oc=5) · Norwood News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24942 (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/46.json (key "24942", 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=24942
- 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