# BOULEVARD
Amherst, NY · NCUA charter 11640 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/boulevard-11640

Who the members are: federal charter, community charter, organized 1957, low-income designated. 3,534 members of 1,162,336 potential (0.3% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $45.5M |
| Members | 3,534 (-1.2% YoY) |
| Full-time staff | 9 |
| Net worth | $6.2M |
| Net worth ratio | 13.7% (p42 of band) |
| ROA (annualized) | 0.65% (p54 of band) |
| Total delinquency | 1.03% (p63 of band) |
| Net charge-offs (annualized) | 1.69% (p91 of band) |
| Loans / shares | 44% (p30 of band) |
| Cash / assets | 50.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.62% (p39 of band) |
| Operating expense / assets | 3.25% (p39 of band) |
| Vehicles % of loans | 46% (p31 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.65% (p56 of band) |
| Vehicle NCO | 2.97% (p95 of band) |
| Repossessed % of vehicle book | 0.12% (p93 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 21% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 14% |
| Average share balance | $5,640 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $9,287 |
| Loans granted, annualized | $4.6M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)

## 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 | delinquency rising, members leaving |  |
| 2017-06 | 3 | net worth falling, repo signal | delinquency rising |
| 2017-09 | 2 | delinquency rising | members leaving, net worth falling |
| 2017-12 | 3 | delinquency 2x band, members leaving | delinquency rising |
| 2018-03 | 3 | net worth falling, charge-offs p90 | repo signal, delinquency 2x band |
| 2018-06 | 2 |  | charge-offs p90 |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2019-06 | 3 | net worth falling | delinquency 2x band |
| 2019-09 | 1 |  | delinquency rising, net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 3 | delinquency 2x band |  |
| 2020-09 | 2 |  | delinquency 2x band |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | margin squeeze, delinquency 2x band |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | margin squeeze |
| 2022-03 | 2 | charge-offs p90 | delinquency 2x band |
| 2022-06 | 1 |  | charge-offs p90 |
| 2022-09 | 0 |  | members leaving |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | assets shrinking |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 1 |  | assets shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 3 | net worth falling, delinquency rising, charge-offs p90 |  |

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

- 2026-04-15 [Nusenda Credit Union to relocate flagship Uptown branch - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxQOFQ4ZnNZbWNKalZVVUlTUFhwNld4UXh2UERYcDhOcnpSWC03UUlPVnVGTnYxc1RnX1NFOUV5Zk1NT3I1UG1ET1hqM3BDaGMzb19ZUW80ODZhYjhXOGNSOGRrR0JYa1JwTk9sdHpqWFBTeEZsSE1SVzJiWW1WQUJrWkVIcms0MkNWeElJQ25ZQVhNdTdURTlhOERzSmkyU2hMc3MtT0NmMGgxaExMTFE?oc=5) · The Business Journals
- 2026-06-24 [Keesler Federal opens new Metairie branch - New Orleans CityBusiness](https://news.google.com/rss/articles/CBMilgFBVV95cUxPTmt2SmU2TWFheEV2NGVCU1BDWDNmNWdlY3RnZXFfbzRnc0dFSkY4R1lzYWc1cGVRSmR6Mkhhbmp3anNlU2dpNHhiZThqSlIyS3Zxal9iNlhzWlhPN19fWWFnUTE5RXFqbGRQWHJxLVMwcVRFVmNLWjVLT3dJZWRKa0lfMU5sdWJNTG41dkNTRnExWWpHclE?oc=5) · New Orleans CityBusiness
- 2026-04-08 [Robbery at credit union in Murfreesboro under investigation - News Channel 5 Nashville](https://news.google.com/rss/articles/CBMixgFBVV95cUxNcVpQYUtSbUVNVVFDZElsVjc5LUxsTWcyd2RyUDFnbmtXQTVqYktKUk9LYmtMOHRQS0M2b3RENVgxTEx6X0dNcHp0LU8yQXlCTXZSZUpRSTdoaXR1bkR5SC1lTHctUGNieUIxNTNoSDNFUGxfZ0N6bnJZNk1KcTFSMjdZaTZ4cUJIRy1ISlpEN3M0WjJ5YjNfTFB3aTlfWlV6MTJGSHEzMWtyQmFrYmp6TXMxQ2NFUkItU1ZEbVczd2c5QnF5SVE?oc=5) · News Channel 5 Nashville
- 2026-05-14 [Driver facing OVI charges after accident with dump truck on Northern Boulevard - WRGB](https://news.google.com/rss/articles/CBMitwFBVV95cUxPQ1hBSW8zVzFTUHJNb3pqWUVPR0txSWN1MnFDX3NxZWtLQlRUOEtfNDB5WHZhcnlPVHpoRUxOSER5eXFJNDNmUWV4RWpHOS1BbDRSRVlxUVBDWXl0SHdsSnZtQm5KNm5IZlJvMHJ3azJhZUNCWF9NTlR2RzctdjgydGl3Vy1WNWRFT3Q5SEs5bHZvbmdZa3BoZEMzOXFMUlpXalFWZ25vVGQ1UHIxbEpsVVVJQk5DTHM?oc=5) · WRGB
- 2026-06-13 [Albany police graduate 15 new officers amid ongoing staffing struggles - Times Union](https://news.google.com/rss/articles/CBMimwFBVV95cUxPRVdIOXBuUm9XM1dmYVUtZENROWhXZGxRbG10RlpkN2o5QW1XNVVCc2JvckZYeDUzZk9XQ0dQRV9KaUNmSC16OEVzVk01NWhraWpRSWtVeVJxZElJcjdpdmhlNGFGNXhRaVp4bldIazJXbjIwanFhU2JIUko0U2czNWI2RVFvdHE1a2ozM21xY2NtMXp3Q2R1U1habw?oc=5) · Times Union
- 2025-11-07 [SECU offers scholarships to 30 students - The Daily News - Jacksonville, NC](https://news.google.com/rss/articles/CBMixgFBVV95cUxOLWlPRVdTVmYwdU05dngzMjg4dUp5S1Z1ZkFYS3BpTDdlUEpGWS0tdE9qekt1S0p2aGZLR3A3YkdrLWNVdmd3bmZaVUlHZ1h3OEkwV21NVDQ0elBsejFRc2ZfYUdZczVDZXZTdURhZ0M4X0VWNkkzc2lBSG9iaE5GSm9WZ2NjVnZwalNFeEc0WkhKQWxLUm1JWEVQSFl2MktIdGNtSGFJSzF2anprSWg5Y3RQUFFHVEtwNmozSDdIQk80T3hwRmc?oc=5) · The Daily News - Jacksonville, NC
- 2022-05-02 [Southern District of New York Enjoins New York Sheriffs From Retroactively Enforcing New York's Fair Consumer Judgment Interest Act - Consumer Financial Services Law Monitor](https://news.google.com/rss/articles/CBMimwJBVV95cUxPQnFjN05lZXBKVERUNWpKc2lrWUpVRWxrTVFkcldSUmtCcE53T245cks1dy04cmVYNkQ2Z2pPeUtWa1J4WlpQdW84dkNWVDU4OWhOb3l0WHRZQlR4NEJaR3g1WFFydGpXeFBNRmMwWHRyMTI0V1ZLOS1aUVktM2ZnNFJKckl0cVNncVo1V3lBLWk5VnV4Z2tkWnFJOEFtWUV0ZENkX20zcVVHQ0c2RkcybEFMQXZJZ0NIUklDZm1GdzFGT1VnejNjdFRQcDNaMEZEOFd5aFlza3hleG05MGVnckJxbXJZRUlsakx2XzZ3eW5KMU9DN3BqWUx2ZzJsemU1RFZqX0kxZDBoc0tyem12TjI2R1AyZXFYTzVB?oc=5) · Consumer Financial Services Law Monitor
- 2026-04-09 [Greenville Federal Credit Union to open Berea branch - upstate business journal](https://news.google.com/rss/articles/CBMinAFBVV95cUxNeVpldU5xTFVicGViYm56RmVaWTFGWGlnbU5kaVBJQ3NzU1BEWEFOYzJ5U01LLXFWZDg4b0ZvWEhOZl81R0kyaDlvbGU2Yjc0N2t3alByajl5b3RTR3lOSC1IaWtMWWI3c3hkRzNqRDFJMDNpTlBMVlpTOER1RVlNT2JxQUZ6bjVseFFkYnlBWVJ6WEd2ck9VYVhEVDI?oc=5) · upstate business journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11640 (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/56.json (key "11640", 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=11640
- 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