# GOOD NEIGHBORS
Depew, NY · NCUA charter 11663 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/good-neighbors-11663

Who the members are: federal charter, community charter, organized 1957, low-income designated. 10,568 members of 946,741 potential (1.1% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $92.2M |
| Members | 10,568 (0.3% YoY) |
| Full-time staff | 38 |
| Net worth | $6.9M |
| Net worth ratio | 7.5% (p2 of band) |
| ROA (annualized) | -0.46% (p7 of band) |
| Total delinquency | 2.04% (p94 of band) |
| Net charge-offs (annualized) | 0.10% (p33 of band) |
| Loans / shares | 70% (p68 of band) |
| Cash / assets | 9.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.88% (p95 of band) |
| Operating expense / assets | 6.53% (p98 of band) |
| Vehicles % of loans | 36% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 2.65% (p93 of band) |
| Vehicle NCO | 0.18% (p47 of band) |
| Repossessed % of vehicle book | 0.01% (p75 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 8% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 7% |
| Average share balance | $4,375 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 39% |
| Average loan balance | $15,616 |
| Loans granted, annualized | $25.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)

## 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 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 2 | net worth falling, delinquency 2x band |  |
| 2020-06 | 1 |  | delinquency 2x band |
| 2020-09 | 3 | margin squeeze, delinquency 2x band |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | charge-offs p90 | net worth falling |
| 2021-06 | 1 |  | margin squeeze, charge-offs p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 2 | charge-offs p90 | delinquency rising |
| 2023-06 | 3 | thin capital, delinquency rising | charge-offs p90 |
| 2023-09 | 2 | charge-offs p90 | thin capital, delinquency rising |
| 2023-12 | 1 |  | charge-offs p90 |
| 2024-03 | 6 | thin capital, net worth falling, losing money, expense trap, charge-offs p90 |  |
| 2024-06 | 5 |  | expense trap |
| 2024-09 | 5 | expense trap | charge-offs p90 |
| 2024-12 | 6 | charge-offs p90 |  |
| 2025-03 | 6 |  |  |
| 2025-06 | 6 |  |  |
| 2025-09 | 6 | assets shrinking | net worth falling |
| 2025-12 | 4 |  | charge-offs p90, assets shrinking |
| 2026-03 | 6 | net worth falling, assets shrinking |  |

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

- 2026-03-08 [Free Credit Rebuilding Workshop for WNYers Launched by Good Neighbors - Buffalo Rising](https://news.google.com/rss/articles/CBMirAFBVV95cUxPR1J2SS1tLU1hMk9uODhLS0xKR24xSkJLbkljcWxoeTRBQ0ZHMlRfdmd4cUNaUFNSQ0RULVBlTElOU01uMUNUSkxwX1FWa3Bud2pxaGt5NXdaU2JZWllRYVhMRHVzTGpjZGFweERLQ2pZT0tFUUpkaEZGVEpVYjZKQzFRbHJSSXpnajdFSC1rczFEZE56M3g5b0RNeGZ4ZXMwVmJXdXo2aFZrQXJJ?oc=5) · Buffalo Rising
- 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
- 2025-05-02 [Good Neighbors Federal Credit Union Data Breach Lawsuit Investigation - ClassAction.org](https://news.google.com/rss/articles/CBMijAFBVV95cUxOTlNWUzBQNFpHel9zMlpwT2FNdmhkOVV4R2paZ0diZmVDdDA5X2pBaWhUWC1BcUljY3BKOHBINUs0bnpjU1lkWXNnR1RuS1JXNGRPWFRtdGhWMXZBYlVUZmF4Mk5fYkdmVU9HVGxQcElXdWNOekFqLXJXRW5RSDVUcnRwSld0OHp0eDJoTA?oc=5) · ClassAction.org
- 2023-03-14 [Good Neighbors acquires former bank branch in Lancaster, plans expansion - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOSWRQaUhpZXU1bGcxSlg5STNQMGhBNE14SVB3Q1RVSmlnWWhQbzgwWXRhbHMzLTNUaUY5LTg4SXczZUY0OWEzYldNREhtMC0zT0U5ajdWZ3hRTlRlcksybUJMODBReGhnTGt2bFZ2NHF4ZWZzQnVCUUNJc190bndlemhMaU9fam9RUkxMU3IwazlucDVKZGxXV1doSjBaNzEtekdaTg?oc=5) · The Business Journals
- 2025-06-25 [Good Neighbors Credit Union: A Legacy of Service, Rooted in Community - Buffalo Rising](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPYkJkckNHRUFiT0FjcGtkWWlXODJTU2pYQkpyX0h5TnRfajh6YnNaTlc1N1otZ0N1TzByTXVIVW1BVGh0b01adTZpdW1pZ0tBbjh6XzdpTlFaUHFxY1Q3TnBqMGRRRzl1SjBwV2g3bnJFUW5sRFAtaV9CLWVkWEtBQnhUME9xclVqZGFiYi1Wc25YY1B1dERrQjBiZ0NHaEMyLXRsckdSQzNLUQ?oc=5) · Buffalo Rising
- 2022-06-08 [Good Neighbors Growing Together Initiative - WIVB News 4](https://news.google.com/rss/articles/CBMimwFBVV95cUxOcElKRTVNUjFMdXFKSXlBMzAwNHNiSXExQW9ZcWZvaGhfMnZfVzNPY25vZUhhZEpoOF83VUxfcnZfWGF0dU1vdkxJVER2dEd3cFpFaFVjSjZDZE9Da0xzLWJlSmRXR3RkRVlXd21QRm51Q1lEV0h0TlNSdkpfNF9ULTZvNTJhakpOd3lCMG4tT05CQjhlWGJoUXl5QdIBoAFBVV95cUxQV1Nvb0pyRkNQbWlIUk5oSWc0aGZxUmhBVHZxSkZVYjRvdHBsUlhqQUg0WjJEWkNENHh0aTNSMDV1OXVVT2JSOWVTNHVXRXBSbFdzaHRta0dtUld4ckpScHJ0SE5lQUw2MjRma1lNNDBBY3hoZV9LM2RnX0lHRmxTcGUzYUoxTjl4X1lUZ05JUEhfU2tpTVBENG5abS1qdzYt?oc=5) · WIVB News 4
- 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

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11663 (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/15.json (key "11663", 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=11663
- 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