# SWEET HOME
AMHERST, NY · NCUA charter 11470 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sweet-home-11470

Who the members are: federal charter, community charter, organized 1957. 2,859 members of 300,000 potential (0.9% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 46.

**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 | $44.7M |
| Members | 2,859 (-1.8% YoY) |
| Full-time staff | 6 |
| Net worth | $5.8M |
| Net worth ratio | 13.0% (p38 of band) |
| ROA (annualized) | 1.38% (p82 of band) |
| Total delinquency | 0.54% (p45 of band) |
| Net charge-offs (annualized) | 0.07% (p56 of band) |
| Loans / shares | 53% (p44 of band) |
| Cash / assets | 44.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.75% (p44 of band) |
| Operating expense / assets | 2.69% (p24 of band) |
| Vehicles % of loans | 36% (p23 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.34% (p46 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 97% |
| Certificates % of member funds | 2% |
| Average share balance | $8,899 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $15,770 |
| Loans granted, annualized | $5.1M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, losing money |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | losing money |
| 2016-12 | 2 | losing money |  |
| 2017-03 | 3 | net worth falling, delinquency rising | losing money |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 1 |  | delinquency rising, net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 3 | net worth falling, delinquency 2x band |  |
| 2020-09 | 1 |  | net worth falling, delinquency 2x band |
| 2020-12 | 2 | loan book shrinking |  |
| 2021-03 | 6 | net worth falling, margin squeeze, delinquency 2x band, delinquency rising, members leaving | loan book shrinking |
| 2021-06 | 6 | capital below 7%, losing money | delinquency 2x band, delinquency rising, members leaving |
| 2021-09 | 2 |  | net worth falling, capital below 7%, losing money |
| 2021-12 | 2 |  |  |
| 2022-03 | 6 | capital below 7%, net worth falling, losing money |  |
| 2022-06 | 6 |  |  |
| 2022-09 | 7 | delinquency 2x band, delinquency rising | margin squeeze |
| 2022-12 | 5 |  | net worth falling, losing money |
| 2023-03 | 1 |  | capital below 7%, delinquency 2x band, delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 1 |  | thin capital |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 0 |  | assets shrinking, delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 2 | delinquency 2x band |  |
| 2025-12 | 1 |  | delinquency 2x band |
| 2026-03 | 1 |  |  |

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

- 2026-09-05 [Home Sweet Home Chicago (9/5/26): Rose Pest Solutions, Lindholm Roofing, Sunrun Solar, and TJ Stearns - WGN Radio 720](https://news.google.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?oc=5) · WGN Radio 720
- 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
- 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
- 2026-07-20 [What to Know for Mötley Crüe's 2026 The Return of The Carnival of Sins Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1ER0JBX2IwczZvUURZS0VUM0VPR3gyeWwzdEZvaFlQbGRaMHFjNVBEVTFkQndUS0xtVWV0bTZVTml3d0xrbzhiNEhZSHNGOVN1M0RYRXNCV1B6TU5ydG9n?oc=5) · Ticketmaster Blog
- 2026-05-03 [6 Upstate NY residents accused of orchestrating $1.3 million tax refund fraud scheme - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2025-10-14 [Donald A. Mattea Obituary Jun 19, 2024 - Lombardo Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTFBmSmZjTWg2TklWM294ZnlzbkM4UTMzSmZHeWZZMmVtNUdQRHluaHFpXzh0VDRQYnpLWVBLdmRVbFdJNnpBekZyV2FsVHB4LWJOV3paSkV5MWFuaTNhQnBpM2tsWVcxNVp2NTlLcQ?oc=5) · Lombardo Funeral Home
- 2026-08-15 [Home Sweet Home Chicago (8/15/26): Doornbos Heating and Air Conditioning, NEXT Door & Window, and Marble Emporium Inc. - WGN Radio 720](https://news.google.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?oc=5) · WGN Radio 720
- 2025-11-18 [MÖTLEY CRÜE announce "The Return of the Carnival of Sins" North American tour - Revolver Magazine](https://news.google.com/rss/articles/CBMisAFBVV95cUxOT0RhMkJuSkVIQUZxUVJ4czRhRUk4eHozbFVhQmRjRk9NN01HRWhIWFN1YUxSU0dEOFFETW1rdUEwdE5VcjZvY2xoRi1fcTFtS25EQk1sZ19ycW1ZNW5oWTF4VGFfMVpnNlplOGRENTY1Wkhwek5fUEpUUVFXTTAzUkpjdTZaeWN2bjhCSjF5Vmg3ejFjWnhrUGdVLURRZWpRRTRfN0p3WEFQcFJYb1dkVw?oc=5) · Revolver Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11470 (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/14.json (key "11470", 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=11470
- 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