# ST. MARKS
New York, NY · NCUA charter 5022 · asset band <$50M · latest filing 2017-12 · stopped filing after 2017-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/st-marks-5022

Who the members are: federal charter, associational, organized 1943, 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 | $374 |
| Members | 1 (-99.2% YoY) |
| Full-time staff | 0 |
| Net worth | $374 |
| Net worth ratio | 100.0% (p100 of band) |
| ROA (annualized) | -4441.71% (p0 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | – |
| Cash / assets | 100.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | -3379.14% (p0 of band) |
| Operating expense / assets | 1194.39% (p100 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p45 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`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 4 | net worth falling, expense trap |  |
| 2016-12 | 2 |  | delinquency 2x band, net worth falling |
| 2017-03 | 5 | margin squeeze, assets shrinking, loan book shrinking |  |
| 2017-06 | 6 | members leaving |  |
| 2017-09 | 6 |  |  |
| 2017-12 | 5 |  | loan book shrinking |

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

- 2019-11-14 [New boutique office building headed for East Village’s St. Mark’s - The Real Deal](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPNnEzM29uRWxJbWdZTzVSM1o4TndJU2VESlVxUjFadzVNM1lWQUZaM19SUnVSREdYaEIzd0dRbkJMNUFvanFZQlNLR3pNNUV4SHZnYTRJaGs1RXRMMnNRT1d6Z1UtclNNRTZDbEZOMlJiSzFoZ0RSZkJVX2lPV255UU1aTTEzalBhZ3VWaUpsaTlqU2JkcktOTno4Z1ozNDNsai1uRmxvd0xjTVU?oc=5) · The Real Deal
- 2022-09-07 [Helen Gannon Beaulac - burlingtonfreepress.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBtRFlYN2VoUm5mRm1zRVdKc21WSE5WTG54d21zVnkxMTFpLWQ1VkRjNzROa2ltVldNVXNUeVIwV0pWNzFuVkdxTWg1bjJXOHBZRDhHOU56VkRFNVFabDM3Mk9BMGpjVlE?oc=5) · burlingtonfreepress.com
- 2026-07-17 [InterFaith Works announces Building Bridges Community Festival, celebrating 30 years - WSTM](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQM2hqR0ZrUmUzd3VpekdYSTZ6TVRRaGhpTjJGQ2NhTkI3akdqSGgwbVhxQnRlUkhxNG5Wc2hGdk1DN0pOZV8wSmszbk9NMnFFQWNZNS1XbHVyelZmNE1BOWFSSjFHUUFtYVUxYXZlVHFRc21vMHcwWUlWZFJYeUV2clJqRE9yeDNzYUFvNmVqZXRyWnFQZ2dVc3pNdkJrNTNoUEtndFUwdFBlaVdZcFB5RzdMVkVKc0pF?oc=5) · WSTM
- 2009-05-20 [Obituary information for Richard P. Ziter - Forastiere Smith Funeral Home & Cremation](https://news.google.com/rss/articles/CBMidkFVX3lxTE9oMXVLc2pDek9UdmwwdEVMWVlKWlplRlR1VWNLcWRFbXFCcE16QTUxT3ZHTzVLVkhjd2JWT3pmeUVuRXQzNWtfaEJkZGJ3eGZ2QXREMEdUWTFIMEdoU01iM3lSODc2eWdHekRYMk41cTkxLTZaOWc?oc=5) · Forastiere Smith Funeral Home &amp; Cremation
- 2022-04-11 [A Community’s History in Four Buildings - Curbed](https://news.google.com/rss/articles/CBMickFVX3lxTE50djZ2TERsRDVxMjFhSTh6blJPVjdkZDI0MXVNLUFUUTdnMWRGMG84LWFJMU9iMW94bkpqX29VVzR4LW9SbjRVVFNSTmdLUmUtNEZIdG5tcVRpRDZUdUNKek9tZ2ZySDd6RFdSZ21Rc3ByQQ?oc=5) · Curbed
- 2023-07-03 [Fun City Tattoo keeps legacy alive in the East Village - amNewYork](https://news.google.com/rss/articles/CBMidkFVX3lxTE8yd2ZKZmpvQXJqSlNTQWtpMjVCc3FxMHlzcWJPSjdNbElFQ3Rwb1NhU1NYYW1NdGRzRG1lU285OUtHT2hWaHBBODI5eF92dUdIWWpKbm1JTnc3NzNaVlQtWkFVRkhpYVNzYVR3aE1CWnlfRGR4Wnc?oc=5) · amNewYork
- 2021-10-09 [Marion Stratton Obituary (2016) - Johnson City, NY - Press & Sun-Bulletin - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOOGtSVUlZcFRuRnNRLXlSR0hYb3dWT3pOUnZiRUhkNlk3NmlsQTJ1ME9LeTZKakYwSS1sU0NPdF9rdGZfTFF0RDZvYVhmWktNN2dTdWNhUXlvVjVWQm9INloxTTU1N1V5cVlUc3BlMTh4VHd0djhOLXpGZ3dNdWhFYlktdks3MmM1Z2d4STZXRjh5R3FjcHFF?oc=5) · legacy.com
- 2003-02-21 [Beth Mosczynski Obituary Feb 21, 2003 - Mulhane Home For Funerals](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5CY1gxWHJESXNERFBwNzhyLS1MYnpmT3hJdHBCR3N1ZXFKUUNNVncxMExyVFF6YVFBQlNTOXVxODdfUWNwVTNZX0dmazU1Y1lSamlaM19MSW9EYkxEeGVr?oc=5) · Mulhane Home For Funerals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5022 (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 "5022", 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=5022
- 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