# UNIVERSITY SETTLEMENT
NEW YORK, NY · NCUA charter 3714 · asset band <$50M · latest filing 2021-09 · stopped filing after 2021-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/university-settlement-3714

Who the members are: federal charter, associational, organized 1940, low-income designated. 1 members of 1 potential (100.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 0.

**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 | $11,395 |
| Members | 1 (-99.4% YoY) |
| Full-time staff | 0 |
| Net worth | $1,675 |
| Net worth ratio | 14.7% (p66 of band) |
| ROA (annualized) | -2.66% (p2 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | – |
| Cash / assets | 93.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.02% (p1 of band) |
| Operating expense / assets | 2.68% (p42 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p46 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | – |
| Certificates % of member funds | – |
| Average share balance | – |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | members leaving, loan book shrinking |  |
| 2018-03 | 4 | delinquency rising, assets shrinking |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 1 |  | members leaving, delinquency rising, assets shrinking |
| 2019-06 | 3 | net worth falling, margin squeeze, delinquency rising | loan book shrinking |
| 2019-09 | 3 | charge-offs p90, assets shrinking, members leaving | net worth falling, margin squeeze, delinquency rising |
| 2019-12 | 2 |  | assets shrinking |
| 2020-03 | 4 | net worth falling, losing money, delinquency rising | charge-offs p90 |
| 2020-06 | 3 | loan book shrinking | losing money, delinquency rising |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 5 | losing money, expense trap, margin squeeze |  |
| 2021-06 | 6 | net worth falling, assets shrinking | expense trap |
| 2021-09 | 5 |  | net worth falling |

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

- 2025-02-24 [$580k Stratford University data breach class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQazRXWFFjRmhZX1ZMZ3IzSkliUW03OWRoRkNkM1ZOaWgyY0g5eFpMMnYzS2o3NEU4SDFUei1mb012T2ZnMUFwRDZEOXlLSkt1aGd6dG55Z2VSS0J0UEVERXpJY0VnVDVpN25NTkJ4aEc3Z1FJS01VbUpHQnpzQmtoY2RBSnljZml3SzRkaW90eDc1cXdsNHJEZlJ1bmg5Y2U3bWRFUnBRUTd6cFc3UDhIcUR0M1EwVWJQWmgzazVrR1p0VWc1T3VmcTNRVzk5OU5H?oc=5) · Top Class Actions
- 2016-03-21 [Who Scored a Piece of the $50 Million Pie? - Tribeca Citizen](https://news.google.com/rss/articles/CBMihgFBVV95cUxQUFJOZ2ZKTUxkUVVoemgxYVlBX25LNzlSLWFkeF94THdpLVlUU2h0MVdfUi1ZOWd3NkhTTG9xbFMwMk9KUV9pd1pnc25rcENXTkZpVk9yek1WSlFrU2VYaWtOV1ByWTQyYThWMzBYQmF3ZnNfS2RaWEFGRXVMUTN5U3RObXFTUQ?oc=5) · Tribeca Citizen
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- 2023-11-11 [Cornell University COVID-19 tuition $3M class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMiygFBVV95cUxPelF1cnBqX0g4VXdjNGV6ckRncTZQUFVvQ2lxTnpjM2F6UnFZQ29sUlFHb05FeWozbXNhNm5xdnNYTG5VUnRzSjhuMHBDSDZwZFFCQzl5ZzV3UTV1akJXZzh0NmY4dDBqazdWb2JiX20tZE9jX2ZIZ3pOMlZMT3EtMnpuQ082c0NqTm94dFlOQ2h2bTEyb0ZYUTk3NnV6MV9pSXFSWnlUYWdQUUVkT1hDM2ZlZVdaSlNBTnlnQkt4YjdwWTJHZnAwaDl3?oc=5) · Top Class Actions
- 2021-11-30 [Columbia University 403(b) Plans $13M Class Action Settlement - Top Class Actions](https://news.google.com/rss/articles/CBMixAFBVV95cUxQaXROeTNMZ3JsaVBJdXM2d2xBZTZCcF9YXzdLSTFQa0RvWjFvTGVQbnllaXpENlNKakRFbDktVzF1NjZZTC1SZmw0X25kM3M3d0RPam81cG9PdUhTa0lMNUNoMEkwNF9jbi1NLWs2b2xoWFRNdWVyMUhORFBNSlY2b3l1czh5eFpKMUtrNjRJRjQtR2NlUjZzSGRWODBLN2xzbTNBZE9kUlprVDlCOVZLWkd2bW9BZWNMWFJ3VVVCU1lZX3JW?oc=5) · Top Class Actions
- 2022-07-19 [National University unreimbursed expenses $925K class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQaGZXNWRDNFc2SGZpWS1nOU40d084NEhpSlFyb1FTZjk5bkJoYk9ubEdQNTR1cjg4NXZweVdta2Z6UEFfTFRMTWtzS3lZMEhLTzE0aExnSEFpS3JwWTlXYUF6Nm1kQ0hTb1N6NzBpREpUQUFra3pHRGZRX0pQQW5mMkgwMjdyWV92cld3anhtUzRDZ1o0Q2wtam9kYVRGNXB0cDBMT01FREVCdDRfM3ctNm9Nd1Vac1pYQ1VqNDZDbmdrWWF6WE1VcnZpdFYxd2w5blotTQ?oc=5) · Top Class Actions
- 2024-12-19 [$250K Webster University COVID fees class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMizAFBVV95cUxNeTFKUlhTYVZBU29JWTUxOU9KSVl3V1UydldxMXhoekhfYW5ydWRPb2lYSTJWWWgtS0NJb2tNdWpVOEFZNndiRXlidElxNnNfN01BNnpZUjZ4T3JtWDhyYmd5dEUwZ2F5NUpGOEsyVWdLT2pDX0RmZ25icHVQM2I3eXpZdlE5RXpYWTJ5clZkXzFYSjhqeTFlb1QxLVI0SWRjaDB2aHY1b0tZdmxLVmhVcmxyX041dHNMN2JZek5zT1R3MHlJNkdaTnZFcGE?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3714 (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/2.json (key "3714", 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=3714
- 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