# BUFFALO POLICE
Buffalo, NY · NCUA charter 1157 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/buffalo-police-1157

Who the members are: federal charter, government (single sponsor), organized 1936. 2,532 members of 7,596 potential (33.3% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $17.5M |
| Members | 2,532 (2.1% YoY) |
| Full-time staff | 4 |
| Net worth | $3.9M |
| Net worth ratio | 22.2% (p80 of band) |
| ROA (annualized) | 2.46% (p96 of band) |
| Total delinquency | 0.28% (p35 of band) |
| Net charge-offs (annualized) | -0.01% (p19 of band) |
| Loans / shares | 74% (p72 of band) |
| Cash / assets | 41.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.60% (p76 of band) |
| Operating expense / assets | 3.42% (p44 of band) |
| Vehicles % of loans | 74% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.12% (p37 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 | 25% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 96% |
| Certificates % of member funds | 1% |
| Average share balance | $3,412 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $13,561 |
| Loans granted, annualized | $2.8M |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, charge-offs p90 |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 1 | net worth falling | losing money |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 0 |  | net worth falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 2 | delinquency rising, auto monoline |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 4 | delinquency rising |  |
| 2020-12 | 2 |  | net worth falling, delinquency rising |
| 2021-03 | 1 |  | margin squeeze |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 3 | margin squeeze, delinquency rising |  |

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

- 2025-08-20 [State attorney general cites Buffalo cop for misconduct - Investigative Post](https://news.google.com/rss/articles/CBMingFBVV95cUxNSnFqMVBRUFpLaTBDTzVqZFRxYS1kek5uUHg2NXBaZHlTLUtLZVA4Um1IeUFuUmJSNlhIY2xlWjltOUlhTGkwa2RCVElQcHEzanJhTWJ3ZTFJd2Q0TFB3LUZ3Wjc5V0lUbXIzNVpMNGt3ZFM4Mnhoc21KNHRFNXlyVC1FQXZTdUh6RTJWTGJFc3NhUEVBM2MxVTBLTkhxUQ?oc=5) · Investigative Post
- 2022-02-09 [Buffalo Police investigating 3 attempted bank robberies - WGRZ](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQa3ZaaFNzUER4TmNoNzk1bmZ5cVR0anBMNkI5bUltRHZocTNyYVRUZTRReUNWbjZFc1lSVHJMNU5XSk9EbzhYY05FUEdfdmx6VjFtRHBtdzIzaXJqVXdLMXlMRFBfREw3ZnNvb2N6djlPMDE2OWFCVHNxYlBsMl9IalJFdXdWTHZUU24xTFlreWZKNWUxM01JX0Z1aFV4bVN3aTNrWHF6ekY5Z2NKZFg0blNnR0pFNjktaEtiWjhxNEctbS01cUZLRFhINE1vWTM2NFoxSC1wUXBHelE?oc=5) · WGRZ
- 2018-09-26 [Trading spaces: New Buffalo police headquarters opens Friday - WKBW](https://news.google.com/rss/articles/CBMijgFBVV95cUxNR3pnel9KeXVEN0tmSnpVN05QX0xQWG43a1kyUm1ZeFYtdlAzZE1PX0JhX3RhdHdjbW5JZDJQZ2tnMVQwazZ3RU1seUFMakNUYjBkUDc2cmxDSWZxRVdHNDRzemZWUkpPRjBKTkJOSjRGZUprdTF5M1drMGdNakN0TFg2X1B6YjVoalFvZ3dB?oc=5) · WKBW
- 2022-02-09 [Buffalo police looking to identify person of interest in string of bank robbery attempts - WIVB News 4](https://news.google.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?oc=5) · WIVB News 4
- 2016-06-03 [Serial Robber Is Sent To Prison For 12 Years - | Erie County, New York (.gov)](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQenNIWmVpUWlWYWIwQW5aWUE5czlQSjQ1aFdjTzBScWhwdElvSE1raU16c3R4VGZhNXFiem54NnpwMFZINng0U3pWaXU0MlIyNWFmejNFdFluMGpuWXpEY2FuLTctMGhuSmlaSkwzWVU4a3FGTnRMcFBfZ3FEckhObjRmR1ZXSmUtV3ptSHVfbGFaTG9rR2ZvNC1PQmhqMV8yMXJiQUNfQW5wdXp4LU93NE1rTEdpbHRJSDM3UUk3SEdFdw?oc=5) · | Erie County, New York (.gov)
- 2018-05-16 [21st annual Police Memorial Service honors officers killed on duty - Niagara Frontier Publications](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNVjhSZktXUUxxbThKSHY4b29xdE1jYVFxaDYtS1NTal9yWk8yTWFtSXBqQS11TGRmcEJtYXdzYnBrUFBRWmNSeXVZamZiblRJZ05SYzdQbkRsOHF5dmRHdmFJeWhLRmdXamZmNzhjQko0UUlpU205dUlwMUNTS1FnM2o5NnpVRlkxa0hFb2hCdnpwcVFhRU5YNW5ZZlVsUkM1X0pfc2FzY1RQYTFzZXdlczMyU3FCVEhIUk5zYXV2TkY?oc=5) · Niagara Frontier Publications
- 2013-09-11 [J. Robert Obituary (2013) - Buffalo, NY - Buffalo News - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNemZKajBhQkx2RUVTZGQ2d19rcGoxX2NGTy1DWFNwc2d2Q0JCcG1tS1owSmt1WkphMmZQd1p6bWhIMHU1NUhRYjRIelMtZDlfMnZGdTUtbGtMOEhyOXRJOFQ4eExNV3BmN0ttaHBFaVJ2Z1FfQW16TEFlTlNyemVxamdndld4aHlBRHc?oc=5) · legacy.com
- 2022-09-13 [Introducing the 2022 40 Under 40 winners - Buffalo Business First - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxPcURYcFlWMXJiU01Db0tsM1B6T2JfTmJ4OGxTVkotb1AyLVBHQ0dXYWdPZmgySnJ0a25tSTlxMUhaUkV4Q2NGTGt2TVZDZTZNdTR4ZjdxQjBwMHhWcWdsY0dDYUdXcHM1dWFFaFljQ0hVVHRxSGNlMjJPcDBvRTVhQWw5ZnFLeGlvOG5ITW1mRjlmaHR3ZkFVZFZGY0h5Zw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1157 (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/5.json (key "1157", 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=1157
- 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