# FIDELIS
New York, NY · NCUA charter 11380 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fidelis-11380

Who the members are: federal charter, associational, organized 1956, low-income designated. 336 members of 1,000 potential (33.6% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 9.

**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 | $725,732 |
| Members | 336 (3.4% YoY) |
| Full-time staff | 0 |
| Net worth | $284,595 |
| Net worth ratio | 39.2% (p97 of band) |
| ROA (annualized) | 2.49% (p96 of band) |
| Total delinquency | 0.78% (p55 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 51% (p41 of band) |
| Cash / assets | 67.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.25% (p90 of band) |
| Operating expense / assets | 2.76% (p26 of band) |
| Vehicles % of loans | 3% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 97% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 0% |
| Average share balance | $1,185 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 9% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $7,544 |
| Loans granted, annualized | $32,000 |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | losing money |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 2 | net worth falling | members leaving |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 3 | members leaving, loan book shrinking | charge-offs p90 |
| 2018-09 | 5 | net worth falling, delinquency rising |  |
| 2018-12 | 3 |  | net worth falling, delinquency rising |
| 2019-03 | 2 |  | members leaving |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 1 |  | loan book shrinking, net worth falling |
| 2020-03 | 0 |  | delinquency 2x band |
| 2020-06 | 3 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2020-09 | 2 |  | delinquency rising |
| 2020-12 | 1 |  | delinquency 2x band |
| 2021-03 | 5 | losing money, margin squeeze, delinquency 2x band, delinquency rising |  |
| 2021-06 | 3 |  | losing money, delinquency rising |
| 2021-09 | 2 |  | delinquency 2x band |
| 2021-12 | 3 | delinquency 2x band, delinquency rising | net worth falling |
| 2022-03 | 2 | losing money | margin squeeze, delinquency rising |
| 2022-06 | 1 |  | losing money |
| 2022-09 | 1 | assets shrinking | delinquency 2x band |
| 2022-12 | 2 | delinquency 2x band, delinquency rising | assets shrinking |
| 2023-03 | 4 | losing money, expense trap, assets shrinking, members leaving | delinquency 2x band, delinquency rising |
| 2023-06 | 5 | delinquency 2x band, delinquency rising | losing money |
| 2023-09 | 2 |  | expense trap, delinquency 2x band, delinquency rising |
| 2023-12 | 3 | delinquency 2x band, charge-offs p90 | members leaving |
| 2024-03 | 4 | delinquency rising, loan book shrinking | assets shrinking |
| 2024-06 | 3 |  | delinquency rising |
| 2024-09 | 3 | margin squeeze, delinquency rising | delinquency 2x band, loan book shrinking |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 1 | delinquency 2x band | charge-offs p90, margin squeeze |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 | delinquency rising | delinquency 2x band |
| 2025-12 | 1 | losing money | delinquency rising |
| 2026-03 | 1 | net worth falling | losing money |

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

- 2026-09-02 [Fidelis Care at the New York State Fair - WSYR](https://news.google.com/rss/articles/CBMihgFBVV95cUxNeUltU3owQk9wVk9WdTBpUlR2eWVybzB0UHpuS2RHVXBiaVktZW5memNNTmFKakQ0aG1EQ2J1TV9aWEtnclJzeWZkM1BQd2hCcGdQZmZmZEl6QzBJT1NsVG5LSGNzQXZiaXlNTkpVT2prdmxPUjliM29SZE5VYlpmbnF6YjN1d9IBiwFBVV95cUxNSFdUZHhQdXNDQU1jSThrVDNubWxxUmt0eTVfam5TUTY2akxfcGk0TmhFbW5fZkNEODQ3dWJyTllqQ2RXLWV5eG1oRW5fQlhFQU5yeU9iMXUwckQ0Q3hDUUo0aGQ1RUxab0RmQ01NVm4wQjQtRlljeHR0V2RJb0EteHh0YzJ5Z3QtMHdr?oc=5) · WSYR
- 2024-05-23 [White Plains company accuses Fidelis of billing snafu - Westfair Communications](https://news.google.com/rss/articles/CBMikgFBVV95cUxQY3ZoZlVoUEgwWFZYUjFjTG5OYVNBR0draGRISEVQZ1Y1aEFiLXZsS2xSQzVadksxbzV2eVlQQUctRVFESy14WWxIQlR6ZzI3V0NjcUUwNGRtUGU2THpwSGpMZUlRR0hPUnpqZ2pocUliQVIwV1BSck1EMTJBdnV5eWpGUmtJdXhXSEdhQkg3OUx0UQ?oc=5) · Westfair Communications
- 2024-02-03 [AROUND THE LAKES: Fidelis Care presents Wayne County Cooperative Extension grant to combat regional food Insecurity - Finger Lakes Times](https://news.google.com/rss/articles/CBMikgJBVV95cUxQcUVSSEVZRVlOTFFJaXVwc2Rval9JWnBRSTVHOUdtbV9YNkFIdWlLWkRKSzZrRUZQV2FHTEh0Z0dYZmJnaU9WcWh6dlJIQzNQSjVFS2gtemd5R09pVWw4Y2lJNVJoZFFaeVpuWl94eXdUc3ZIbmEyVGw3Q0JzdnU1TzNVRlhGZ0p4VjVHRTVMRDZFdm1MWmliWjA0Zk1XLTFKeEFQLU9aTWFtTGFESC03Y1U0b0pCbG1qNFJCWThWb0V1eWJGd2lHdnUzaV9Vcnp3TzBsMXpId1AyNGUtQWxfVEVFVjlkWDRZeUk0d3FfUW9qMUM0ZjlQS1Y5cjRRdHdTSncySl83aFRDRWlTZG0wV0lR?oc=5) · Finger Lakes Times
- 2025-08-14 [Greece Chamber Annual Meeting indicates positive growth; 2025-2026 Board of Directors elected - Westside News](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQTjNkRUxpVjIxMDQyVWVpcGtscnJLZHB5NXJMNjhUcTE2dmo1S0V6TEdERjZwV1dyLVFpX053ei02UWUxMXV5Ukt4LTdXTXAxajdGeFhzUU10bWZTTk1xS3VWUGEzLVZHXzlVaW50MjFRUGotTllvWVAtNHF2THZxTEJIaGhEb01KVjdxRVg1Z2p1VWE1WlU5NVU4VkU4YWtkLXNKdGF2YkF6YjVxWWdOZHE4YmxqQnpjY1lzWURLTmk1WWhlRGJObENJRjBURjZwR0wzTlFhUUVoMjdjRTRuLQ?oc=5) · Westside News
- 2014-06-13 [Greece mall to hold job fair June 26 - Democrat and Chronicle](https://news.google.com/rss/articles/CBMirgFBVV95cUxOc3BxVDVTMW9DSzRSRFVTS2Z0b1RsU1hmN3ZNNVR6b1dHN1BhVFZJM3FuRjBNQXROTjZXYzFpMjYzeUx2eVp6MU5sR0drMHd2YVZvS0ROenFPTERHRWlHQk5jYU9mSHQ1dVBwSzEzY2tNWUR0NmVsa09vQ21vY2Z3S3ZWZ29SR3pOb1k4Z3RacW5aYkVFSy0wcGV5cnhaQjVzQzA1WG04dFVpTHBTLVE?oc=5) · Democrat and Chronicle

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11380 (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/52.json (key "11380", 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=11380
- 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