# CORE
EAST SYRACUSE, NY · NCUA charter 13037 · asset band $100-200M · latest filing 2022-03 · stopped filing after 2022-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/core-13037

Who the members are: federal charter, multiple common bond, organized 1959. 8,182 members of 27,205 potential (30.1% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *quiet fade*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $137.8M |
| Members | 8,182 (-8.1% YoY) |
| Full-time staff | 16 |
| Net worth | $14.3M |
| Net worth ratio | 10.4% (p59 of band) |
| ROA (annualized) | 0.78% (p74 of band) |
| Total delinquency | 0.17% (p29 of band) |
| Net charge-offs (annualized) | -0.05% (p7 of band) |
| Loans / shares | 31% (p6 of band) |
| Cash / assets | 56.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.77% (p12 of band) |
| Operating expense / assets | 1.80% (p7 of band) |
| Vehicles % of loans | 17% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 18% |
| Third-party paper % of net worth | 53% (p60 of band) |
| Vehicle delinquency | 0.11% (p26 of band) |
| Vehicle NCO | 0.32% (p71 of band) |
| Repossessed % of vehicle book | 0.00% (p36 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 18% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 4% |
| Average share balance | $7,469 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 70% |
| Average loan balance | $8,630 |
| Loans granted, annualized | $9.6M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, leaning on borrowings |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | net worth falling |  |
| 2017-06 | 3 | losing money, delinquency rising | leaning on borrowings, net worth falling |
| 2017-09 | 3 | charge-offs p90 | losing money |
| 2017-12 | 3 | assets shrinking | delinquency rising |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 3 | net worth falling, charge-offs p90 | assets shrinking |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 1 |  | charge-offs p90 |
| 2019-03 | 2 | members leaving |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | charge-offs p90 | delinquency 2x band |
| 2020-03 | 2 | delinquency 2x band | charge-offs p90 |
| 2020-06 | 2 |  |  |
| 2020-09 | 4 | net worth falling, margin squeeze |  |
| 2020-12 | 4 | charge-offs p90 | delinquency 2x band |
| 2021-03 | 3 |  | charge-offs p90 |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 3 | delinquency rising, loan book shrinking |  |
| 2022-03 | 4 | net worth falling |  |

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

- 2026-06-10 [Members First Credit Union Partners with Mahalo Banking - Finovate](https://news.google.com/rss/articles/CBMigwFBVV95cUxPZkhEWXViemJmdERPMm8xYk50R1AwT29NT19CcEllY0xMUlVIZ2Jva1Y5NGhqTEtrMUNvMi1iN3ZRa0NVMVZNMGdhRTlFcnF0WXBFV1NfemVGWlM5ZmZLeDFhU0owVThDbEFSOWtjQ05ReVZnUmFvSzBVSk5LRFBvVEVZQQ?oc=5) · Finovate
- 2026-03-25 [Inside Alabama’s credit union movement - Business Alabama Magazine](https://news.google.com/rss/articles/CBMidEFVX3lxTE0xbDYwZ3JkY0JMaXNPSmlMU21DZF9VSHg1TGRnVG5YQUVTUTFncThEbzlqN3JDOERBMXRwT2h5ajhQLTRlNTAzU1RrUDhLZ2lKYUd0NHBDNlZidEU2RDJnbGJoVXBvRVEycUhhbDVXd21QZWtI?oc=5) · Business Alabama Magazine
- 2026-05-28 [Sunmark Credit Union expands to nine more New York counties - Albany Business Review - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxPbnNEcC1BeXJxbU9UM1RLcFdqTWpGZk5iTjhKVDVRMVNNdVFmYW9oSEo5VmFENlhSeGo4dkRyLU1mN05kVFBueElYYjNMcHBNX1ZzWXNLUjl1SW55YzJScE9QbzFoTS1GVVZ6X3hSUjc0VEhYTHlaSG9mSEF3MVdxR2pRUnpIaDVLUFVqYjd3b2hvd1FScldpNw?oc=5) · The Business Journals
- 2026-05-27 [May 2026: Top five banking technology stories of the month - FinTech Futures](https://news.google.com/rss/articles/CBMisgFBVV95cUxNTVZmMU16OVUzVWJ6TVJvZTczbkQ5dzZsZzREQjhFNzc1NFJBM256dmF6a2ZKc2Zlam9FekZnWnI4WFVWVWcwclRSZWxidVBvYTluc3NRNW0wTGtQQ2lDWEs0N2xoSmxEZ2JQQTlfMkpTRXNia0hNeGUxVDY3T3B0WnhoalJUNDczNjhHdGFZRGd6Y0JDYWhIejBJRUdJMnRUVTRqT2Q0N1U0RFppSVBENnBB?oc=5) · FinTech Futures
- 2026-08-05 [UW Credit Union Selects DNA from Fiserv to Power its Next Stage of Growth - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2026-02-05 [ACCESS Federal Credit Union announces senior leadership changes - Rome Sentinel](https://news.google.com/rss/articles/CBMi7AFBVV95cUxQeWhRYXZkbDJZVFk2WWhEbHJUN1h0ZnZBQ28zNFJINEI3d1dIY2tWWmx2TkpTYjY2ZXlKRTFRRVloS2tRTDlsTFZ2aVFBSHBfQWpybmRpQVd0dm11ZG1qd3pRUFlKRGlSZHZtaHVUbmRtanhXYXJBMGxBOHZPWm1fc0JVdmVlYzNhTVdTdUV3MkxQRWx5cTFNTlprRUJmMG45NE5Ld3NtQmpkazBRLWYwS3RRcm9PZ0FIVm1hOEtaQjc2RlRCTVRaRWNtWVVpc2lrSlI4a3Y4YXRaOEJ4c25JZURaWVVKUkFuZllXSQ?oc=5) · Rome Sentinel
- 2025-11-12 [Mid-Hudson Valley FCU Selects Razi Qadri to Succeed Wayne Winkler as CEO - CUTimes](https://news.google.com/rss/articles/CBMirAFBVV95cUxNeUxMOVVtTG1Lc2hDUnV4VnVvR1k1RHkzZXUxaDJvVGhnT0gtRE9fTU4zVkV2WjZfdGQ4TG9DbS1Zb2tBVE81ZVhEUk9vMlkwb3pOVEJfLUQwLWgzSXhzOXJBWldxd183Szh0OVhHalJhZlNxQTJmbk40a1lMYXFXZWQzOExzdTU5Ylk5VXdpaXZWaW9mblZfY2tfQURiSXRIQmNLcW5zdXgzYnVo?oc=5) · CUTimes
- 2026-05-11 [What to Know for Yellowcard: The Up Up Down Down Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiXkFVX3lxTFA0QkRUeVVRLXBZcHp1T2pYakN5UFpONEx4ZHBKOFNwZ0Nxa1hLcm5tckxJcVNacjVSUTUyNFFibXBlZnlEcHF6eGtHbzktdmNRblBrSldaTWFjREwtOGc?oc=5) · Ticketmaster Blog

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13037 (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/45.json (key "13037", 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=13037
- 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