# RT
ROME, NY · NCUA charter 12624 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/rt-12624

Who the members are: federal charter, community charter, organized 1958. 3,173 members of 428,000 potential (0.7% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *too clean*. 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 | $57.4M |
| Members | 3,173 (1.8% YoY) |
| Full-time staff | 11 |
| Net worth | $6.3M |
| Net worth ratio | 11.0% (p31 of band) |
| ROA (annualized) | -0.53% (p6 of band) |
| Total delinquency | 0.20% (p20 of band) |
| Net charge-offs (annualized) | 0.07% (p28 of band) |
| Loans / shares | 44% (p19 of band) |
| Cash / assets | 46.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.33% (p32 of band) |
| Operating expense / assets | 4.29% (p74 of band) |
| Vehicles % of loans | 44% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.36% (p38 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 92% |
| Certificates % of member funds | 8% |
| Average share balance | $8,833 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $15,253 |
| Loans granted, annualized | $4.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)

## 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 | 0 |  |  |
| 2017-06 | 2 | net worth falling, delinquency rising |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 1 | net worth falling |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 2 | margin squeeze, members leaving |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | net worth falling, delinquency rising | margin squeeze |
| 2022-06 | 2 |  | members leaving |
| 2022-09 | 1 |  | net worth falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | assets shrinking, members leaving | delinquency rising |
| 2023-12 | 1 |  | members leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 2 | net worth falling, losing money | delinquency rising |
| 2025-06 | 3 | delinquency rising |  |
| 2025-09 | 2 |  | net worth falling |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-07-31 [Homer man accused of punching, choking another - 607 News Now](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNRVdfMWZacXZBeGhoM19wOFRLcGVqZzQ5aE1LeDNYRDQwc0JWTVdDSEVpOWZrTkZ3NVBQUVpxakVpemtvUHZLMm9FLWxqNktFZmg0VkU3RmxTb1d4TjRpOC14cVRScGxfb05VSW83aFhEX0pKR0VuSHRSTXVtejNkMFJzamR5TmxG?oc=5) · 607 News Now
- 2023-06-30 [Diocese of New York Launches NY Episcopal Federal Credit Union on Ascension Day - Norwood News](https://news.google.com/rss/articles/CBMirAFBVV95cUxPYWp1ODJGYUNDc2Y0c21PSjk5UjlzZkZBMHc0RmVwMmFiMlZwUUtHcUNtZWRYa2x3WGFHb20yOWtjTlRPeE5OMmUxakVZb183QzNOZmZnbE5QaHZSVC1QcTlIcWlmenZZaXlYWFRvT0RvQmhiWGw5djNRU3VWQzhNN3Q2OHM3bWFTTFl5TGxpQkF0enlFQi1aRThOWEg1UUV0cDV1YTB3dTFERkpw?oc=5) · Norwood News
- 2023-05-22 [Extending a Financial Lifeline, Episcopal Church Credit Union Launches in the Bronx - Word&Way](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNd1JvOVJqVnR5WmFUVzQ1X2FVOWVRZGQtR3llbllNN29IeUluczZ1N1BPQ29FUk9EYlZtV3Vodm5YN0tzcGZScFJoUzd1MC1WSE1SVUJQMjZ5RGgxaU9zMFNLSFNZc0VVTDUzaW5jaE5rNjFOQ0ZHYi1SSVBFSmZjTUV2QmFLVzdkNmdjajMtRlhuemI4WmM2NFNVeTJQYlNFeUt0SzR5R0xlS0JTYlpHb05xWExTbzho?oc=5) · Word&Way
- 2025-03-02 [Heritage Financial Park - Marist University Athletics](https://news.google.com/rss/articles/CBMibEFVX3lxTE80YmVEUFdocS0zaGtXTFNvSDlfdnNLemstS01FajFaU2VYa1BtZTZBZk9ycnlDSnRkNDFKU00weDIyYl9NRDIxcmRIVW5hNl9heUdPY2Fvc2NRLU5YcGhhRVhEZ1BQczMzMlNLRw?oc=5) · Marist University Athletics
- 2025-04-01 [Moving down the road: Board approval makes new home for Hudson Valley Credit Union more likely - The River Reporter](https://news.google.com/rss/articles/CBMi1AFBVV95cUxON29ZUHhMR3drc2otbVV0VEFKcDN1YWwwSDFwd21wdmFvZk5McmhqMjhsYzJjZVFQNGVmYTBmMGh1cUFCcnNESFhrNTB6VkxxWGtmeXRkcEgwNUd2OWgzcC1rR3FDZ0k5RDdGeWZHMURiTVpXSVBRLXFheTF2a2ZfRkRYYXJNNDZUS21ia2xHbjk2QXJWQXJhSXA3cWtEdXB5Z0dhMWNCVmtQY0E4UjF3Q0toM1h3T19VS0pNb3Fhc2lCMnpsazBwTjRkM3UxbktpMXpKNw?oc=5) · The River Reporter
- 2024-06-02 [Sales include future credit union, former dentist office - - Observer Today](https://news.google.com/rss/articles/CBMisAFBVV95cUxQVVJKWFdFbGFpLXRUUlVzSGtfdzZIMWppSm45ekQ5M2Zuc0Jva2J6YXFjUWo3VFplOVNJc2V3VThoMEVmOTZmUHZRREhLSEJlRmRhS2dtcE96bjdoOWJRaG9jQmlnalhNbGdoRHVBQ2pPQ3JjRThWd1Jrekp0QUVaSFpmcXFzRE5oZV92MDRyd2ZsWTdVNlQ4eVFVMkp5VjBnZkFjUjIzOTU3b1pWb3BkMQ?oc=5) · Observer Today
- 2023-11-20 [Martin Mitchell Obituary (2016) - Henderson Harbor, NY - Syracuse.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNOFZuMU1wSGVjSTdGTmxmaVFJMEluTFBEU3VtT3E5YmI3aWNZM1A2cWExOFNGQ29PLUJhcW4xYllKV2xlWTFQSS1SQmpLR3YxcXhYa3VfQVRiaU1oZXl1V0JGYnVoN3hITTBPaHE5WU1QdzRPblNHNVZvNHBlTXExV1h3M0pyUXBudXdkMG8zWllXWG1aRHc?oc=5) · Syracuse.com
- 2025-06-15 [Flags of Honor On Display at Griffiss in Rome - wktv.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxPVGVzc0dIWmMyMy00VkdTUkJkYXFmWWZJVjdPSGlvVUJjMEYtSHQwZmZRTDRCNzN1bkNSRHcwREdOY0R2cF81bW5hTFNkdHcySjR1SkNwREozOTNVT0ZHUGkwdnVuY2ZrM0JoSDN0RXZwNDFnVm5nZk1iWXBFSUhCR3dTUnBUNC0ySThYUFRGMFZOLUlqZjc1VVdGcDlERkFrUlpGMjJ3SlF6cGZZQmpVVDUxV0MxY2ZvOUFnanVn?oc=5) · wktv.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12624 (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/16.json (key "12624", 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=12624
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide