# SERVU
Painted Post, NY · NCUA charter 10933 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/servu-10933

Who the members are: federal charter, community charter, organized 1956, low-income designated. 43,467 members of 952,500 potential (4.6% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *fortress*. 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 | $519.0M |
| Members | 43,467 (12.9% YoY) |
| Full-time staff | 130 |
| Net worth | $76.6M |
| Net worth ratio | 14.8% (p92 of band) |
| ROA (annualized) | 1.39% (p86 of band) |
| Total delinquency | 0.55% (p46 of band) |
| Net charge-offs (annualized) | 0.18% (p18 of band) |
| Loans / shares | 85% (p64 of band) |
| Cash / assets | 8.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.14% (p90 of band) |
| Operating expense / assets | 3.57% (p51 of band) |
| Vehicles % of loans | 44% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.18% (p10 of band) |
| Vehicle NCO | 0.38% (p23 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 16% |
| Average share balance | $4,178 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $16,723 |
| Loans granted, annualized | $172.2M |

## 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 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | net worth falling |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

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

- 2026-08-01 [ServU Shred Days - Finger Lakes Daily News](https://news.google.com/rss/articles/CBMibkFVX3lxTE1xdk8zYWxVVWhZOHlhbmE5dDkxOS00RzJIcGdDa2JER1pZUTdSQ3ByX1kxVGtKRDA0OERHNzRiZERJUUttN0sxMjc5a2xndVVRdF9zdjFiT1ZnNm1wYXdDZDdUdDMtU2dsdnEwbG9R?oc=5) · Finger Lakes Daily News
- 2026-05-20 [Six Charged In $1.3-Million Fraud Scheme Targeting Banks, Credit Unions With Stolen Tax Refund Checks - cutoday.info](https://news.google.com/rss/articles/CBMi0gFBVV95cUxONlFVdmtoV2RvM3lHNG9MaHlDRUVqYzZRVlNtUFJrYnNlNHlENXkwQlk5RWVIRV82cGVkRGEzUUJQbnFiRXljc0wzMU1MdVlUOHoyaHNmaVhmcGFjM2QzVERvRHRhR2JwdE1aNDJKSTRCSFFVZEhmc1VaZ0tBQnZ5ZTVESzVwcWRyZ0l0SlRtb0dJVG95dU9jc0lOZGFZX0NrcjBWcnRHUlUyN3RJMEhNazRLYjcyeGFNOG5oOGZidXY3R1BYN09aVUJFUVdPWjcyMmc?oc=5) · cutoday.info
- 2021-10-28 [ServU Credit Union opens new headquarters and branch at 87 Victory Highway in Painted Post - CUInsight](https://news.google.com/rss/articles/CBMiywFBVV95cUxNamtWdnJrRURxRXE1dEFsYkNyYmg5MmxucHZkWEViVGJxemNndlJIV2Y3c0JpZzlCdTlmYWgtTzVqcXVtTlNsN01BdkxhVkk4UWJDbFctQ1d4VFFZejI4bUM1T0NsX3daRmNMTFRqNXU5YzZoWEFFVXJlaWFwMFowWlljbnFMeVFJSnQ0OTlLZXNGSTBRRlIxQldpRlR2dEZLZEJ0SmlGWFdPbVFOa1laRExuMm1ZWnJSWUtGSU9WTXprNWZCM3FlT1Fhcw?oc=5) · CUInsight
- 2023-03-30 [ServU credit union expands membership into 17 counties - WETM](https://news.google.com/rss/articles/CBMipgFBVV95cUxNVG9FRUdjUEVaREJ2REtoWW9DRjBPOTkxM1ZqV0xDcGpaTFlFUzJocFhTVkVSRzR3X3F0ZlFONy1wNjlLQkt6WlVNTXcxZ0M5dVZZN0VtYVVfRG15YnFJRTIwc3NZTDZQNDhjTkFWV3NremxQdXRITzFIaXhQQ3dtUXpuMXFkR1JNVUZ6LUpybFU3NjlvWG1kZHBIV2tVWTY2NWVxR1NB0gGrAUFVX3lxTE9oZUVLQm1JNF9lekVtb2Rsak00WVF4SXJzbnVCVy1yUWR4MTEzVktIRGFDdzJBcl8yX0trX05BZmVOZTZCZ0pJdU84ZW91eGtmQ19hREhHWUs0RFdRVkJQc0g1WktmbjVjVUp0bjZueXAxVlZzY1Jya1M1MTVRQml4TlFMUko5QXBsMjF0NDZxTks1M244M3RmZG1HOUVsOGY4QzBBbzJzOUJSdw?oc=5) · WETM
- 2023-11-03 [Mergers, expansions mark busy year for WNY credit unions - Buffalo Business First - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNT2pmcm1XN1dsTVRWV09aZVhzaWpEb29iTWJtNUo5ZEdSV1FuSlU3Q2hXX0VWaUFNTUhKYk04X2JNNk9PaFUtWFVaLU9ZWjh5TVVPOUtIV1NtbXlEU1poMnRLM1NrWlJxN1B0VUdpTWlvT29raXBSNEJFZVVqeGlkOEZld19QVWZDSWFySDNCTVVXcjR3bTdJdjNlZVhIQ3p4ZUsxWFp3?oc=5) · The Business Journals
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2018-10-03 [ServU FCU opens branch inside high school - spectrumlocalnews.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxNY3RPMVdxbjVGRF9SRzRmcnNab20yeWplYy1HVWpEWWxFOFdPTDhFTmRVSW9ySE5hQzl5eERDY1lmZ1JZQV9MNnNPd2JGUnQxLVAxdzg3MWVEWlVfUUJ4cklpTThmV0dySWlNbUJkWHBWaktuaDBUYU9KaEhYQnhGWDhVS0VhZ2tjUlEwZ3BhSnMzdE9mX0szU0x5V3M1WVFmS3VxaQ?oc=5) · spectrumlocalnews.com
- 2026-05-18 [Fraud Ring Allegedly Uses Fake IDs to Steal $1.3 Million From Credit Unions & Banks - CUTimes](https://news.google.com/rss/articles/CBMitwFBVV95cUxOalptaG1aZFFoQnBqZmpIMlN0RXo2S2lxN3pGaks3Y3lPTmRkN2hqdzJjLW9MNGJERExTZ1hYbWlLOEdfdFZ3elM4aDlNUVB1RzY5ZHVDcmdFVlkxSHJTOE9lU1dHTDJMSm9vYWpVR1NMeENnbENSN2lXZ2xzNi1od0o0QXlOb2lwNzhoMjBGLXI4WlJMWXExSDA3dDVvLVJHaTY3QUJ5WHRreEZsMUxURkVLN3ZvNzQ?oc=5) · CUTimes

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10933 (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/53.json (key "10933", 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=10933
- 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