# N C P D
Plainview, NY · NCUA charter 3850 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/n-c-p-d-3850

Who the members are: federal charter, government (single sponsor), organized 1940. 16,398 members of 17,000 potential (96.5% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $916.0M |
| Members | 16,398 (-0.5% YoY) |
| Full-time staff | 33 |
| Net worth | $148.8M |
| Net worth ratio | 16.2% (p96 of band) |
| ROA (annualized) | 0.67% (p54 of band) |
| Total delinquency | 0.09% (p2 of band) |
| Net charge-offs (annualized) | 0.10% (p12 of band) |
| Loans / shares | 44% (p4 of band) |
| Cash / assets | 9.8% |
| Borrowings / assets | 6.55% |
| Net interest margin | 1.60% (p0 of band) |
| Operating expense / assets | 1.06% (p0 of band) |
| Vehicles % of loans | 3% (p1 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.04% (p1 of band) |
| Vehicle NCO | 0.00% (p1 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 90% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 26% |
| Average share balance | $25,315 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $21.8M |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $41,822 |
| Loans granted, annualized | $28.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $21.8M outstanding purchased (14.7% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 1.1% year over year.

## Flags firing in the latest filing

- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | delinquency 2x band |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | delinquency 2x band |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | delinquency 2x band |
| 2019-12 | 1 | delinquency 2x band |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 1 |  | delinquency 2x band |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | delinquency 2x band |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 2 |  | delinquency 2x band |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | net worth falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | assets shrinking |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | leaning on borrowings |  |
| 2023-09 | 1 |  | assets shrinking |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2023-08-02 [William Mackey - Long Island Business News](https://news.google.com/rss/articles/CBMiVkFVX3lxTE9mdHRJSW1yTHRfOUphRmFjbGU5d1VNcFpVSTV0RGNGOGl4VU1yTW5wYTQ0MklSMnVkbm81UmYxemVPa1o0czFlRk1Id1R1U3hMRFJIYm53?oc=5) · Long Island Business News
- 2020-11-02 [New CEO at Lower East Side People’s FCU started as a teller - americanbanker.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQRjFlOUpRV2lrUzcxcExnUGtEZWFwcjdWQVVKUG92RWJlV1BsTElTMW5scGN0bHdxaDlucmZUZG11OHcxN1lNY3l3QlZ1MW81QzFLVE03WDJ3Z1ZJMHlNd21ZdVhMZlZHVGtiQzZpMGFHZ2x5Z0NuVXFtMnlJeTUwMEc3UXV0eWpXNFZCY3ZJZ1p6Rlh0NTBUamFYeW53Qk96Y1l2WUVYMnNBZEU?oc=5) · americanbanker.com
- 2026-07-21 [Detectives investigate Rivers Avenue bank robbery: NCPD - WCBD News 2](https://news.google.com/rss/articles/CBMilgFBVV95cUxQWmV6WmNvVW0wVGlDazdPZFg2SUg1ZUM4c1ltalRCVThuNjU2OFp5akp3SHkwX1JNQXp6OFdiRXN4YnA2eWVFdGZkaDA2dTE4dDhtT3AwNGpJS3ltdUdPa3VoS3AzbjRyZjlXY0NpVXVqVmtrRnE4bXdfdWNkamdLakNWOS1zMWNYN21lcVhrT0VjS201cGfSAZsBQVVfeXFMTUxnVkc5THNWWUhxUS1KRjA3UHJQSXRmTG1JcWliWDV2X0FrTXRQZ1VKRnlJWXUzNWpwRk9uMGJmaEJ3WkNVQ201TTNMTzAtYXBWOGZEbjZsUmRDd2p5bHplVXRjTHRrd0hJeTB6M2F6UkNmM01oUkl0ZWVxUUhhZmFZYUVYQXZrZXh0aVZxMnNuTmJydVplUFYwT1E?oc=5) · WCBD News 2
- 2026-02-18 [James Stephen McConie Obituary | Oyster Bay Funeral Home | Oyster Bay, NY - Tribute Archive](https://news.google.com/rss/articles/CBMifEFVX3lxTE94TTZBS1EyN1haTnBCWElFOU04d01yclplWVdkRmU2U0o3cFd2QXVGbDZiaUdVbDI5a0xKN3g3Z2FWeUpiSjlfLUVXdlNSemVZeTQ3NmttUWZUWmdTZUF1NGtyMi1wZjF3S0t4TlhUdkFKeExmN2xWdWFVVVo?oc=5) · Tribute Archive
- 2013-06-28 [New Canaan Police Swear in New Officer,Thomas Callinan - Patch](https://news.google.com/rss/articles/CBMimAFBVV95cUxPaEhyLWx3UHFPU19oX2dPYjNXZlF1MHRLRm1kTGRvWjdfaVh3Rm5GODE3aDVmcVpPWXIxbWRXd2gxdDZ4UG9KS04xbXRhQTZjdUJ1bUdZRnBYX1RPRmtKenpTRWdpUlJQRXV4WC1JeVk0Rk1HWExQbUxBY2VINWNLd0tNNzBBUVhrWHowNFBOdmtDdERKbldsbw?oc=5) · Patch
- 2018-07-03 [NCPD: Oceanside Man Arrested in Connection with Attempted Robbery of Franklin Square Post Office - LongIsland.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNczFDNU9UN0FNS1ktS2VHZDNhb3NFampjbzMxMlcyVkRqMnU3S3l3UGtmSy1rSi14dHlTUWJFM0wxMFk5Z0pJYjRSSG1SRVpjYUpBLW9acmdqYjlyVXctUF8wYUsxeGxQZWNBWE12NWc4ZV9WcE9CR2JUQUZDenhzOWVGSllTcFRlVEZXZlQ3SmVHNVJmTGtndm9aNkhMTDNyVndwanlpMW9mUVltUkxJVXZMaUgxX2tueUhTOHRQT053T0xqUk05MWdfTnVaTXBmQmNmLS1hMmU?oc=5) · LongIsland.com
- 2014-02-10 [NCPD Arrest 4 Men for Credit Card Fraud - LongIsland.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxObEIzTDhndmp3NkN1dVZ2dmRvUlRaNXBZRGZtdHM5ZnZhR1pPSVZhQU1OYXRNbW0xcTVQMVE0U0QwN3ZoMHJCY1V0ZlFSNjJDbzhYZ2lheVdIcUVlem5JYUlTY0oxRkpkdURyLWE5STc2NTNxcVNaSDJac09QRklhZFN2cUtOcmU5Wm5PN0tR?oc=5) · LongIsland.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3850 (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 "3850", 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=3850
- 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