# LE ROY
LE ROY, NY · NCUA charter 12170 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/le-roy-12170

Who the members are: federal charter, community charter, organized 1958. 1,542 members of 10,000 potential (15.4% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 29.

**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 | $21.6M |
| Members | 1,542 (-2.3% YoY) |
| Full-time staff | 4 |
| Net worth | $2.3M |
| Net worth ratio | 10.7% (p21 of band) |
| ROA (annualized) | 2.01% (p93 of band) |
| Total delinquency | 2.01% (p78 of band) |
| Net charge-offs (annualized) | 0.25% (p67 of band) |
| Loans / shares | 34% (p17 of band) |
| Cash / assets | 67.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.88% (p50 of band) |
| Operating expense / assets | 2.70% (p24 of band) |
| Vehicles % of loans | 52% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.56% (p53 of band) |
| Vehicle NCO | 0.51% (p81 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $8,002 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $14,783 |
| Loans granted, annualized | $1.0M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 4 | capital below 7%, net worth falling |  |
| 2017-06 | 4 | delinquency rising | net worth falling |
| 2017-09 | 2 |  | capital below 7% |
| 2017-12 | 2 |  |  |
| 2018-03 | 5 | capital below 7%, losing money, members leaving | delinquency rising |
| 2018-06 | 1 |  | capital below 7%, losing money, members leaving |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | members leaving |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | members leaving |
| 2020-03 | 3 | net worth falling, delinquency rising |  |
| 2020-06 | 3 | margin squeeze | delinquency rising |
| 2020-09 | 3 |  |  |
| 2020-12 | 6 | capital below 7%, delinquency rising |  |
| 2021-03 | 5 |  | delinquency rising |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 5 | delinquency rising |  |
| 2021-12 | 4 |  | delinquency rising |
| 2022-03 | 4 | net worth falling | margin squeeze |
| 2022-06 | 3 |  | net worth falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 | delinquency rising | capital below 7% |
| 2023-09 | 2 |  |  |
| 2023-12 | 5 | delinquency 2x band, assets shrinking, members leaving |  |
| 2024-03 | 4 |  | assets shrinking |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | thin capital |
| 2024-12 | 2 |  | members leaving |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | loan book shrinking |  |

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

- 2025-10-29 [Family First Credit Union to open member development office in Le Roy managed by Mickey Hyde - The Batavian](https://news.google.com/rss/articles/CBMivwFBVV95cUxPckhnbEtCa05OLUFiTlhCaUt4X3NFbENDQUVoajY3UzNrWEQ0c3RsYWh0bzAwdmlyQlhTZ3ItOHRDWGMtQmJCTENXVVYzSUFEbU0xRkMxaWZWbFBqZHNOMDYwcTZ6cjJPNjhTMGdIcnBKbTlQNUJ5eVVqdWd2MTUwaXltMWFPdW15TUctWlpjTW1OZG13aDFjcUNPTzdPalZZV2xWZlhXY25OVW1ZZzAxSjVOUHl5QnpBQkg0ODcxaw?oc=5) · The Batavian
- 2025-11-06 [Mickey Hyde excited about new role, leading the local branch of Family First Credit Union - The Batavian](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNT3FPR2ZYNWJlNXhXOWU2LWV3emFUbE9mRHJyb2ZwM1R3T2w1eDBnbVI4Y0F3dnoyb21naEptSW9NdS1DeFVRY21fMUNYT25PLVZLSGlEWGQ0TXZob0JIT1hwUXhsQmFDSFlZVURGeWEtNC1OOU43UmJTVGNGdlBQYVJSVDdjamw0N082d0Nidm9mdGV6V2FrZDF0bEpMb0lpd1ZUUjZqb2haQkVCZUgtdlA0TE9KYjNVaXdPYi1rWlk?oc=5) · The Batavian
- 2017-05-16 [Mary Kate Brushafer named Jefferson Award winner - TheLCN.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxOMkRudnZ6V3FvTDdyN1FQUFI5STJlVVRIdWE5TkFoNGhrTmRnb2JfMkN0eFhlVFdsYXJEaDh4dTVaN1A5Wm1sLWVLNWVjNlZSQk9MMlpld1Y4akRrcTZBaURVSVh5VVFOS0VZNE9BeTllTnBMS1NjM3J0Ung5ODFnV2FmQWRyS0R0QlpQNjVCZzItRUpLT3ZRMW42N2VJRUk0WVVfUjViMHNCOUJpSE9mREVrbzZlbTJnT0NIdzdmdzV1U1pPQ3RiNWRqbjk?oc=5) · TheLCN.com
- 2022-10-06 [State football rankings: East High joins top 10; two Section V teams make debut - Democrat and Chronicle](https://news.google.com/rss/articles/CBMi5gFBVV95cUxQeWZuSmhrbU1NS1ZCdmt5THZJTkdza19rbkg0alJLWEVyYTV4V0x6SVlhZ1ZsTDdQVmRFVnR6RUNuQ29xR2liOVNQWW11WjVqZ3pla0YwbVFXRTJ2V2FiSi1qb3RpZWFaTlhFM2xVWHZsVV9WUVFXRlZXUUNaSWp3THFvaUN0RklIQUlza1dfYWt4eDAxLXR5SHRpTzM3TGVwdWtVWGRWcTFWWU91a0NKLVo1R1JrTnVZOTUtR3E1aFhrdkhOUUF3WTlQTWtlRzgtcHJZZDVITGlEQUZPdEd6RUUtd3FLZw?oc=5) · Democrat and Chronicle
- 2018-07-13 [Dixon Schwabl announces promotions in account services department - Democrat and Chronicle](https://news.google.com/rss/articles/CBMivwFBVV95cUxOWFhGNkdzRzNLbTFxSVhaaWpOX3pQaHhJQXV5SWVKMkZUb3pSMFJRR0VsSWFfSl95UHNHcDB4bkkyUW9xMkE1cS00Q0lSUWUtZnV5RU95SGhYWlpsMmR6WVk1SWROV0pBVW5LVW56TjJBeFFhQXpKNjNSd0EzNHpYOGFueG1VT0pncGlGQWJYb1JqczFEU0V5NGx3X3RQX0s1NXRUUERNQlo0ajI5UnBMdldOZzlEd19RazVpUlFEdw?oc=5) · Democrat and Chronicle
- 2023-03-24 [Students get close look at healthcare careers at GLOW With Your Hands event - The Batavian](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPbDMyVU5POTNjamhyZElWRTZFVG5ycmpaREl1VF9rd2xsTV82b2tTWHNBTF9IVVl3MmNRdDBoQWpWWkJsVjVkdWNsRTdxZU9lOUZpYUtKZl8tbEZqbmdvV09ReWhsbWZXamlRM0xCbFFSOFAzR3E2alFDVDZ3MTVPbExvVmgxQlY1ak1SZ1FsY1NaSFhyMnhzRE44Q1V5ZTRZbUEwdXB4dklCNWNKdDVBZzhFOWptQkpqdGFFOUtOQTYzZw?oc=5) · The Batavian
- 2025-10-18 [| The Batavian - The Batavian](https://news.google.com/rss/articles/CBMickFVX3lxTFBzQ3p0UXZkb2Q4QXFYQ3BrcElDVWk0RFl1MzZ6UzloZ3g3cVhESFhFMFpvZ2NSOTRuVjNCNGM4cXphWjctaHJZa2xDeVEwYVB4eUItT0NXb2xOWXdzRWFQWkU0U2s2MFFPS3F5MG9KOWw2QQ?oc=5) · The Batavian
- 2024-05-16 [| The Batavian - The Batavian](https://news.google.com/rss/articles/CBMicEFVX3lxTE1zQ3BoNDRqa2xlYXZ0UGgxbWJpSGFmQ05vSXdMTzZXQ3pqUElCYzFhWlhPQlVWTlVfQTdybl9mZE5TWkw4V0t2ZXZ4S2xMM0w3UHEyLWNENHhXamdsUEZSMU1uYmdsWWdBS2traEVvMU0?oc=5) · The Batavian

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12170 (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/10.json (key "12170", 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=12170
- 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