# EDGE
LIVERPOOL, NY · NCUA charter 11457 · asset band $50-100M · latest filing 2023-09 · stopped filing after 2023-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/edge-11457

Who the members are: federal charter, multiple common bond, organized 1956. 2,988 members of 5,780 potential (51.7% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 101.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $60.9M |
| Members | 2,988 (-10.3% YoY) |
| Full-time staff | 6 |
| Net worth | $7.0M |
| Net worth ratio | 11.5% (p50 of band) |
| ROA (annualized) | 1.11% (p73 of band) |
| Total delinquency | 0.71% (p63 of band) |
| Net charge-offs (annualized) | 0.38% (p71 of band) |
| Loans / shares | 34% (p7 of band) |
| Cash / assets | 49.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.11% (p88 of band) |
| Operating expense / assets | 3.18% (p46 of band) |
| Vehicles % of loans | 20% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 15% |
| Third-party paper % of net worth | 18% (p62 of band) |
| Vehicle delinquency | 0.46% (p49 of band) |
| Vehicle NCO | 0.00% (p10 of band) |
| Repossessed % of vehicle book | 0.00% (p40 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 5% |
| Average share balance | $8,689 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 101% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $6,070 |
| Loans granted, annualized | $4.9M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## 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 | 2 | net worth falling, delinquency rising |  |
| 2017-06 | 0 |  | net worth falling, delinquency rising |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 1 | members leaving |  |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 0 |  | members leaving, delinquency rising |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 4 | net worth falling, margin squeeze, delinquency 2x band, delinquency rising |  |
| 2020-09 | 1 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 3 | members leaving |  |
| 2021-09 | 1 |  | net worth falling, members leaving |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling, delinquency rising | margin squeeze |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 0 |  | net worth falling |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | members leaving |  |
| 2023-09 | 2 |  |  |

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

- 2026-04-16 [Franklin First Federal Credit Union membership approves merger with Greylock Federal - The Berkshire Edge](https://news.google.com/rss/articles/CBMitAFBVV95cUxOY2c4X0UxSG5XbEtOYkw0VDViRnRWUnlaU0xKWFBFVW5ZUm9VVnZDVXBfQ3YyZF81d2djSVdkbHV5YkdwcFNqOXdFZUdzVzhMMlhwdW9iUjlkd2ZXSFFEZ2lKOWppaVpkZndybERHVmo2ZG5EeXdhR3ZlSWpSQzM2QU1OY3JpajdaUEd1WGZsQXpvYmc2NDFQd2NfNjI4dDR1NnlYLW5rQzFJTVFlanhkX2VUNFo?oc=5) · The Berkshire Edge
- 2026-04-22 [Truliant Federal Credit Union, Piedmont Advantage to merge - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOdVVUMFByc1VxWkY2NURPVWNsRmNZTVBKS1RlUXdlS0tXZl9Gb0RiLVZ4SXJaQXFFdHp5ZXNvQUI5TTZUbTdETDExZHdUTG96Tzc4aUdJNXU4SHZja2tVaFF3Nmp4dndPMDQyRnYxczRMYUpaZGgyZXM5bzduMS03VlA3VUROU2N4TXhGdFNROXFOWnJtQU1WZzA2LWY1emRPQzZJd0tR?oc=5) · The Business Journals
- 2026-08-05 [10 Observations from Day 9 of Rams Training Camp: Puka Nacua shines; skill players mix reps; Myles Garrett returns to practice; depth at edge shines - therams.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPNWRkMXl0cjNtbnNmSkZSRmJhaXNlUkM5TXRnVTA3MFBGYjUxU2xXSXkyN0k1Rk9KVXFRVW5NYjhSc0VhZG1PYk1fS3FiNnZqNllTcnJCbmRmcUczS2RkVGYtVll2SmNkaER2czg4Y1g5VDAwdlVNUzM3QUxfSWFDb1BKNkp0UEFpZk10dW9lRkhUWV9Id18zMHNRTDY2QUczanNlcnhuVXBJMkx5NHI2SFg5dlFhcFpoMndYRTBsRWw?oc=5) · therams.com
- 2026-02-06 [Wolfspeed Emerges Strong Post-Bankruptcy - wktv.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxNZEZBZWk5amREUEdBYWFoQlBsWEVPTkVkVVFlT1FhU0pkbzRIdkNDU082RG03MzVoZnl0dldOdVZMYk5JR1dMcWt0R3JoeVZqT0xRdFBQWGRZYVZsOGhYZk5BSUoxYlRWbzJlQWxlQUFiQU1xT0hPcVJnc0lwaFF4Nks4bHl1YzVhaVE5M2tmRHRmVWUxbVptSDUyb1V3TkU0Vmp1bTl4MnFqTHJRQVB5dGdCeTVPdUVsa2ZXdlRKTXZUMU1hazJjeXpR?oc=5) · wktv.com
- 2023-09-20 [Affinity Federal Credit Union opens Bergen County branch - NJBIZ](https://news.google.com/rss/articles/CBMigAFBVV95cUxPS1FsVW9QVDZxT2pLMEw2dmM5VDF4Wmh0RXEwYS1qZE96eWhfTWxjWnRlQ2VzaklYdDg1Z25DYllXX0lZLTNfVDJ1SGk0TUpfM0Z3SFpDbVgzZ0luaW5TQ25ZWVZpamxCTGVfQnZLTFZ3ejQweWVFR01MY21zUzdjTQ?oc=5) · NJBIZ
- 2022-09-12 [How credit unions are improving outreach to minority communities - American Banker](https://news.google.com/rss/articles/CBMiswFBVV95cUxQSXp2LS0tVjZmelFsM1pxR0wwX2Y5a1k1N2JIb3QxeERRNEFYemp3N3h3cWZablotZlRsd1k3M1BQdVNqMEhWdG16b1lEcktaeEJzRXFScllIZ05BU0VxVXdGZmNLSE9GaWN3SFlBeTRBcVhjSVJFRmN5TVhfMzBMV2pRd2U3MXVJLVJxWTlNczNfQUp6YzhuRXlSVHkwczRJd0YtS0taeVNJMjB3TWdzOWJqSQ?oc=5) · American Banker
- 2026-04-06 [Adams Community Bank and Pittsfield Cooperative Bank announce merger - The Berkshire Edge](https://news.google.com/rss/articles/CBMinwFBVV95cUxPcllPbExuU05uTVg5TlM2SHE2RjdHUjVMcVVYTWR1LUlLck1DcS1GWFhtWUxka2dkeUtxVlV6em5ZNDJFc2hFcVB5UXB5UW9mYktfZ3M3ZXhFVHpWN2FWYktSdDhpT181TVZQb0ljZFNFRDJwSVRZMTYwcnRFSlBrZzdheDNycHFyTVhWU0NYUXlETjQ0dlVUcHZMOWZaakU?oc=5) · The Berkshire Edge
- 2025-11-06 [No. 1 Boston University and No. 3 Army West Point Advance to 2025 PenFed Credit Union Patriot League Women’s Soccer Championship Game (11.6.25) - Patriot League](https://news.google.com/rss/articles/CBMikgJBVV95cUxQb0t5NWJ3UW0yOFQwcTFkTXNqcDY4d2pjWndOT3F5TlhxTTNFcEg1emlnNFl3OUwwY29mdnh2dHdJRVlNZkpGMXJNMjBoSGhWUXg3WmhoSkFpeXBHZXF5al83aXlSN2ZXUmFjTk00NnFodWV0Q1R3OUFFQTZFN214czBtR2E1QS15ejNZQW1iZkRuMDEydl94alhsQ0Fuekk0aC1obnJIaW5vbE81a1pQQ1JKMFhjVHdPLUZQMnV6SzF3T0tHdmR3V0VwUEJjR2doVktuRDN4aUFWcllLS1RRNzZBRGh2NzhVYTBZVmVHb1NESG5KRXJ4eHB2U0tqb0xfVTFZSDlfcGNXODduWEtkM1pR?oc=5) · Patriot League

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11457 (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/1.json (key "11457", 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=11457
- 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