# UNITED NATIONS
LONG ISLAND CIT, NY · NCUA charter 5588 · asset band >$10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/united-nations-5588

Who the members are: federal charter, multiple common bond, organized 1947. 264,065 members of 641,440 potential (41.2% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $10.48B |
| Members | 264,065 (4.5% YoY) |
| Full-time staff | 817 |
| Net worth | $1.00B |
| Net worth ratio | 9.6% (p33 of band) |
| ROA (annualized) | 1.19% (p71 of band) |
| Total delinquency | 0.21% (p12 of band) |
| Net charge-offs (annualized) | 0.19% (p8 of band) |
| Loans / shares | 66% (p4 of band) |
| Cash / assets | 4.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.82% (p25 of band) |
| Operating expense / assets | 2.09% (p21 of band) |
| Vehicles % of loans | 1% (p4 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 52% |
| Third-party paper % of net worth | 41% (p12 of band) |
| Vehicle delinquency | 0.14% (p8 of band) |
| Vehicle NCO | 0.12% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p8 of band) |
| Real estate % of loans | 86% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 5% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 35% |
| Average share balance | $17,006 |
| Participations bought / yr | $0 |
| Participations sold / yr | $32.8M |
| Participations outstanding | $89.6M |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $47,453 |
| Loans granted, annualized | $930.3M |

## Participation posture (from the same filings)

Bought $0 and sold $32.8M in the latest annualized quarter; $89.6M outstanding purchased (8.9% of net worth), $16.7M sold and retained. Sold in 5 and bought in 4 of the last 8 quarters. Shares 5.2% year over year.

## Flags firing in the latest filing

- none

## 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 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | repo signal |  |
| 2017-12 | 0 |  | repo signal |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | delinquency 2x band |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | net worth falling, delinquency 2x band |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | net worth falling |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | thin capital |  |
| 2024-03 | 1 | delinquency rising | net worth falling, thin capital |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 0 |  |  |

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

- 2026-06-15 [United Nations Federal Credit Union Publishes 2025 Impact Report - CSRwire](https://news.google.com/rss/articles/CBMioAFBVV95cUxPeDZqS3M1U0xxSDhQdnBZalNfUmNDNTV4S1hGWWdUYmxVWEM4dDlQTldZTlg5VktlQTVjMzlsb25NOHA5ZFdENmdzZFlHdDhnNmo3d2o5cmFuY3k4YU10VHppM2xXNThycV9RamN6T2ZadHpvNFJvQ2NBU3oxQVFtUno3a1p6WFNsaWNJbGxHSWo1ck1WS1VKWEtPNXBtTDFY?oc=5) · CSRwire
- 2025-06-23 [United Nations Federal Credit Union Announces the Retirement of John Lewis and Names Pamela Agnone New President & CEO - PR Newswire](https://news.google.com/rss/articles/CBMigwJBVV95cUxOZXBwZzJQdW9pTkhneTFURjFzTHZXelpURWpUNGdTS3VibzVsWU5YeXFMS1dBbHF5NXVqN2U4bUNwd2hjdE1YWjJ1cXhqNVAtNjBWcHpzQTZPQV95d1lGWjdPZHRPY3NDamNwbjNwVzl1Tzd3WmZPN09KbHQtWXRWLUJOSmlUMENpNEtTT3E2eWdYalZ2cUp0ZDRYSWM1MzRjc01ON0lOVlExdS1DWnlNbFF5T1ZPTElLLU0yQ2J0NjhVNXVGVWJoT0p0UmpOY3dTV1FVOUVwY1dUVHdhY1VqTUhDS09MajE0MlpHSXQ2cDBEYVRpMy1JNXlhajhpMFRnM2Zj?oc=5) · PR Newswire
- 2021-01-04 [The Power of Partnership: UNFCU Foundation and UNICEF USA - unicef usa](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQUHZuc0pPTXgtRTM5WFpFcElncW9TWDBsSEtSZ2RkWHpIaDB1T2dkQktON2FIWkFxYV9tTFRNemE4RDJ6bVI1cFF2SE1UR3ZCRGlzY1JNcnZOM1BKazU4bmFISnMzeG5xbzZ4YlZ2eWp4TkZZaWt6THhscGZtZVlqRUFtX0dqQTVOM2JV?oc=5) · unicef usa
- 2026-05-22 [Envoy urges diaspora to invest early as credit union roadshow continues - Barbados Today](https://news.google.com/rss/articles/CBMirAFBVV95cUxQcF8zZ3V3WkZWMFgtUlM4QlpPTl80Z3VhNUN5ZVBGeTFXQ3o1YzZPTEwyaXVEWXhGcG5VdlVyazVDLWxzaURxNTdpNXFSbzlHWEhYVU9ER1hYYUVXeDcxVElfODNlZmdXNDJEVVlTc3p2TUs5a3VQb0VTRkRiMWQ1YUFNSV9xY0t1THE2c0FXQWxWY1FqTzAtMUxPMDlrc3JTUWZGd2VZRUd0LThC0gGyAUFVX3lxTE91eEdxZmthajF1dE94UXJ4WjQybUVyRHlfYUNSS1BMYWZrM2d1dUNhbEpIV3Znc2hIbVRuVFR5ZXQzLWZHTkQ5WDZTT2xKUUhLaE83dUVUOVdTSWhFVG14MHFYNGlCRWJ5TXRWWktvbDlQOW9YdFNrcHpmcXdLUlJyRUpVN1dKSTVmMG1IaTNFUzRKUjJJOXVsdmlMMVJJNnZrNGwxU1pQdU9KTVQxUWtHckE?oc=5) · Barbados Today
- 2020-11-09 [United Nations FCU lines up new leadership - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxNbS1GYm5fM3g5U1BaNGhxMGVwX3FSZVdkLXVoRXF5dDl5c29JQ3Atc2JrUW9KakFEMHhTT2UyVE1ySElyOHFyUEpOdWZvb3VGWG8zMWdSXzFFYk45VWxfWUxkeHdnUFlQTlpmeDBGaWQtUUZjb3gzd2U5X09zZDBVRG5aX0dMajBRTkFjNm9GR0lLMmNkVHc?oc=5) · American Banker
- 2020-07-22 [United Nations Federal Credit Union Partners with Thunes - Hubbis](https://news.google.com/rss/articles/CBMihwFBVV95cUxNcWN3UW5TeFRjdjY2b0pnaHRCZkJBeEhVNWV3bVg2TGMzR19qVEhPX0xiRUIwcmxEdnF3V0VLRnlES292Z0FJM1lGU19GRU9EZFBwZGtVUjA4TnVUOHhqeTZhOVRKeUQzZzBFNE5rYWJsdE9paDRuNkRyZkFoQkpHa1FxNVpxSHM?oc=5) · Hubbis
- 2024-11-12 [UNITED NATIONS FEDERAL CREDIT UNION HOSTS 7TH UNITED IN SUSTAINABILITY SUMMIT FOR THE CREDIT UNION INDUSTRY - PR Newswire](https://news.google.com/rss/articles/CBMi9wFBVV95cUxOTUFrampEYmN2YWxQdHBXRUlSbE5nbEtGTUhKRzRUN3k1RVBMSGdsVVBUcFFjUV9aYXZSeUYwTVhOUmRWcXI1REFwVnFyc0tDMGtLRGZ0ZHdjcjhJSVRqNTdMSzEtQ1U0b0dnSjJGM0NVdllNS2czOVJ6NjM4N2xUaUZndHo3WE9ENkVBRnJlUTduRVh0OGh0NnRBQjVMb0xPT2NlNVFPOE02NHJGM3VNQkN4bGhGeHJ4NnpqcWlxcEpHX0wwUGkzYkhNTG9zUkNUTm85ckR2MHNQVG5yM3V2Rm5NcUZNOURvc0NyZ25nSDROUjByYWww?oc=5) · PR Newswire
- 2018-09-19 [NEW REPORT: For UN Workers, A Credit Union Crosses Borders - PYMNTS.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxOcmh4T1Etcnl2d1dJeVFvSW5BRHp1TDN1LXVxeTBjd0tBekFqQ05idjViWmdNQWRhb2M3OS1Gcmx5Ql9CRGozYzhpMG1SRDZBdU5xTXJuQlhISHhETy0yV2h6RTFmdVhPSGozcWJ2NEdTVjVpejN0ZGN4Wm1ibFJZejEzZlc2TW5qem45OG5tYUZQVFpXSnlXWGNfQllJQ2NG?oc=5) · PYMNTS.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5588 (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/20.json (key "5588", 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=5588
- 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