# LEWISTON PORTER
YOUNGSTOWN, NY · NCUA charter 10728 · asset band <$50M · latest filing 2025-03 · stopped filing after 2025-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/lewiston-porter-10728

Who the members are: federal charter, multiple common bond, organized 1956. 841 members of 2,000 potential (42.0% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 35.

**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 | $14.4M |
| Members | 841 (-2.7% YoY) |
| Full-time staff | 3 |
| Net worth | $1.7M |
| Net worth ratio | 11.5% (p31 of band) |
| ROA (annualized) | 0.45% (p42 of band) |
| Total delinquency | 0.74% (p54 of band) |
| Net charge-offs (annualized) | 0.24% (p64 of band) |
| Loans / shares | 52% (p38 of band) |
| Cash / assets | 52.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.43% (p10 of band) |
| Operating expense / assets | 2.05% (p13 of band) |
| Vehicles % of loans | 37% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.74% (p60 of band) |
| Vehicle NCO | 0.11% (p70 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 17% |
| Average share balance | $8,257 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $22,807 |
| Loans granted, annualized | $870,424 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | delinquency 2x band |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | net worth falling | delinquency rising |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | margin squeeze | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | delinquency 2x band |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | members leaving |  |
| 2024-06 | 2 | assets shrinking |  |
| 2024-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2024-12 | 3 |  | members leaving |
| 2025-03 | 1 | net worth falling | assets shrinking, delinquency 2x band, delinquency rising |

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

- 2024-11-07 [Advantage Federal Credit Union Girls' Soccer Far West Regional Preview: Mendon to face Section VI's Lewiston-Porter in Class A - Pickin' Splinters](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOdGNnTE5BZElNQWt3VGhudVUtbk5JVUo0d1FpRWtGb1NCTER0Qkl1QVRsZ2xpTGtYYXpjUXdnTmNvcHBQX0VjdjA0VjNueDhzRTFoYUFrYk9OeE05eGRFT3loV20zc0xBWGdCMVY4RmdHMzhjVDBSR3dHQU9kMXhSbUVTUTRNQ0p0Ym9SZTlLNFBUelZ6R1k5SnBCeEZ1dzFjWTR1SUtJOW9mQjF0eGh1UHVQQ2FTMVJKaGF5VWs0VmxkSGpJblU0MDhlQXRhRzUxMDZ1LXdVbW5CeVUzaWwzdHJFZzVST3M?oc=5) · Pickin' Splinters
- 2021-12-01 [38 Section V players earn All-State honors in girls soccer. Here's the list. - Democrat and Chronicle](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQY3NleXpMQ3FSdWZEaEpfRGFtSGR1TEVVSS1VOVlOeGJiYXBjQ0drenVwM2ZMV1pEaFRWYmQxYzY1LVZLWTI2S0NROVlJc2ViQnBmbFBfSHBRWlE0aGxVSTF4NUpZTUFjYlM0Z2hhcE1GQU1LY3RTMERFNWczeUpydTJfZGtIdnlTRXdMUzltbEJKTzlBeEI0RHRpVWN0c1hpYkRXTFdCMkVnSzhneVZNZ3g4YzdZVHFHVTN0aTZtc2lHelZmVFJfbUpwZ3M3RkpuTGY4OUc1OA?oc=5) · Democrat and Chronicle
- 2023-08-30 [Section V girls soccer scores for 2023 season - Democrat and Chronicle](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQQlpmeDFnV2UzV2VscWRKODdSSlA2WGlWZ1d4Um4yX08taVkyYllzbTVQUFduWFVGVUE4N05TMk00WlV0QTEtbm14TmE0YmVrNGxqVlZaRHRRbWtFdVZQdTVMQVVQMkRZblNqMzV6OFhSdHdVRnZQSFdNVWEtUmhmLWVpUU1YeVRPWWk0eE1qOGFwOGVvYlVPdzdEcmlaVHFDbG5MYlRRRkFmOFF2cXZfU0tZaUxwcDVsN081eDRaeHl4M3dxUUNWMzdLV1VaQmRwaU5ISHY5TFJUOXBUNzBwUkJZYzRJdzYwMy1R?oc=5) · Democrat and Chronicle
- 2023-08-30 [Section V girls tennis results for the 2023 season - Democrat and Chronicle](https://news.google.com/rss/articles/CBMi7AFBVV95cUxQc1lZbUtMQzJsdTRzRUlHdS13emxvbHdzWHVYc0F4enRjc1R1emJ3QnV0LTVDbE9RclFTUnc4d2NQUlRxQUx2aUpDRUpla1E3c0NobTNMMjE3UjVsdndXY0RQb2dKd0hsSXoybFVpbEh3ODN3NUJWR3JueTVjMFBvcGRyQXo4OHUwd0JQZUZzMC1nN0IzWHVjMVZ4S2daS2JkUUN6ZnlpcWMyNGtnbmI1c0VoSFdTaWdfUmtVUjRGb01iMTlUSXVQb1hkWmhWMllUdUdWNWNSZ1VFeklOaWcyc1lfc0RTUDM1cnRzUg?oc=5) · Democrat and Chronicle

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10728 (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/40.json (key "10728", 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=10728
- 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