# ONEIDA COUNTY
UTICA, NY · NCUA charter 13102 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/oneida-county-13102

Who the members are: federal charter, multiple common bond, organized 1959, low-income designated. 1,488 members of 3,000 potential (49.6% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *too clean*. 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 | $13.8M |
| Members | 1,488 (-3.1% YoY) |
| Full-time staff | 3 |
| Net worth | $1.7M |
| Net worth ratio | 12.1% (p32 of band) |
| ROA (annualized) | -0.54% (p15 of band) |
| Total delinquency | 0.14% (p28 of band) |
| Net charge-offs (annualized) | -0.01% (p20 of band) |
| Loans / shares | 37% (p21 of band) |
| Cash / assets | 13.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.03% (p20 of band) |
| Operating expense / assets | 4.02% (p60 of band) |
| Vehicles % of loans | 65% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.21% (p40 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 16% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 19% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 87% |
| Certificates % of member funds | 12% |
| Average share balance | $4,168 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $5,155 |
| Loans granted, annualized | $1.2M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## 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 | 0 |  |  |
| 2017-09 | 2 | members leaving, auto monoline |  |
| 2017-12 | 3 | assets shrinking |  |
| 2018-03 | 1 |  | auto monoline, assets shrinking |
| 2018-06 | 3 | net worth falling, auto monoline |  |
| 2018-09 | 2 | delinquency rising | net worth falling, auto monoline |
| 2018-12 | 2 | auto monoline | delinquency rising |
| 2019-03 | 2 | delinquency rising | members leaving |
| 2019-06 | 2 | net worth falling | delinquency rising |
| 2019-09 | 2 | members leaving | net worth falling |
| 2019-12 | 2 | delinquency rising | members leaving |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | net worth falling |  |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 | members leaving | margin squeeze |
| 2022-03 | 2 |  |  |
| 2022-06 | 4 | net worth falling, losing money |  |
| 2022-09 | 5 | delinquency rising |  |
| 2022-12 | 4 |  | net worth falling |
| 2023-03 | 3 |  | delinquency rising |
| 2023-06 | 3 | assets shrinking | losing money |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | members leaving |
| 2024-03 | 4 | delinquency rising, members leaving |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 5 | losing money |  |
| 2025-03 | 4 |  | assets shrinking |
| 2025-06 | 5 | net worth falling |  |
| 2025-09 | 4 | assets shrinking, loan book shrinking | delinquency rising, losing money, net worth falling |
| 2025-12 | 2 |  | assets shrinking, loan book shrinking |
| 2026-03 | 4 | losing money, assets shrinking |  |

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

- 2026-06-09 [Oneida County Offers Elder Abuse Awareness & Prevention Events - Oneida County (.gov)](https://news.google.com/rss/articles/CBMingFBVV95cUxOMncwTlZ2R0xLZGlPdThmQ3dYODRUWGp1bjZ0MGViX3ZtZHpSNjJJb3pRVUxnaVgtM2hEaktwaUV3TmdWWmNuVURHRmhtQWd2cDdOb0M0aENwVWRHZ0RBeG92UXJ2MklqYTdaRG5zejF6ak9CY1RPTTRkY2hKVEtNWTJTQ3BoS2dMR0Mwd3M3QWNvQU10a0lpUHk4Tl9ydw?oc=5) · Oneida County (.gov)
- 2026-08-04 [Veterans Organizations in Oneida County Can Apply for Building Grants - wktv.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQakpQNzhTdVVmdXd6MHJNRlUydUNKeFhkR0NxNDBwZkIzcW01aFB2ZnJvSG1laUxiUURmSm1CeFQ0bTNPekFNNzQ0c1pyeVE1c3E0M3k0TXNhOFRUTHZnbVJiTEhZX1kyWWNseHN0WnhMU0RveVV4RVlUMDhpUFA1YkNYZmxrWjFobzBNMlRRd0pYeURjMnhkWEJWbDZvQ20xYW5CaXozdVZsTHRJVTdKXzdjdGFEemxHV205S1ZURWh4RW9RbV8xZXVIbktSN2M1a3ZNNHNtQjRtaGJsOWFpYVlqR1lBTTRTZXBmRnE4Mlg?oc=5) · wktv.com
- 2026-04-11 [Credit Unions Continue to See Growth in Membership, Assets - Oswego County Business Magazine](https://news.google.com/rss/articles/CBMilgFBVV95cUxPMERkZzJiZ3FTcWs2eEFoOUpRbUFCNTFPV2N0ckN3OXNVM1p5d3Zrb0UtMzZTRVp1QldlTUpTSmlpRmhhekQtNDllMWdadGlad2R6N21Qb052VDhwdlJ4TUlCZHdMOFcteERkSFVjTzgyWFdwMTN3RlJ6R21mS25sZmtDLVJ5S1U3OTRTNWFuSl9jWjdZZHc?oc=5) · Oswego County Business Magazine
- 2026-04-19 [Oneida County real estate: See all residential properties sold, April 6-12 - Syracuse.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxQYlYxVTVSYmZ6S3lKUTF2QkY1dkhmQXR5U21rWmF5WENaZ25nWWNqMzg3TUNoZHdLaGZ5NmFnTlgwZ2tLbWFkaU1uTkt6XzRxWFlfdmFMVFVpTHFaYzJUNTdwZ0gzSW5YYmE0a0k1LUhhNVBMNTl2dVpyeDBBTEZSZnV0aG11NjZERUxsTi1CWXJCVFBDYU5ERURLTFlxM0JyaVhKeXNINm93ZWRFekFKeEFCYmJRYUFpeHhaVS1QdmlBYmZ1?oc=5) · Syracuse.com
- 2026-07-21 [AmeriCU Credit Union gets OK to expand in Capital Region - Albany Business Review - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxNU1Z3TFBVSmFmU0lxZEJTaGFVajhOX2ctQUVmWEtfSE52OWRKdmlxNmFWbU9IRXlZcVZCRFkxSDVmYmZSUmZlbDNXcmllbjNWMjJyVzhZVW1DSG45YmpRTFExd1cxSDdXYnBZZ0pTaVpaUUotY1VIeFRXeGxZb3lBNHlSVzFfOWxRMU1UU0xTMnExcWw2Y0VubzBRYXc?oc=5) · The Business Journals
- 2025-09-19 [Utica woman sentenced to jail for bank robbery - Rome Sentinel](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRHkzakFPU1VXcEttWXJNTVZPODhXTC1aS0ltTGk5WFk2c0prRG1LaTRhTXY5U0R0dnpfYXlLQ2doTkpSY1Y4QUJnSUVtUC1IYlpPVlhnS2pRZTNHRDFPSDdyMGFNblVSR1hKQWtEVUVuUkljSHJlR0JuS0RwZ0VEdVctaU1aTzFkZDJPNDFrNU9zRE9LVzRnU3EwaXVsZGlLMkZoQXAzU2VOVkRvWngtSWN1NElDXzhHRHZr?oc=5) · Rome Sentinel
- 2026-02-06 [Oneida County Wants Gov. Hochul to Fix High Utility Bills - wktv.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQR3UtcWp3RUZiQTJnbnBTeVUtaWhxeVctbG9kS3FpbHI1aVNjNnBLaVV3SW1Ya0t0Wi0ybTN4UnZCVDM2ekpGaGJYS2QxazZSMV8wT0pRLVJ4X3BIWFZuTEpGMkZ3ZnVXYS1RakRBRlJzWDc0ZTYzZ3UzWWwzdWlhak1xRnIzTzg5ZHdjRDhBSDZyMnJkUnhUOEw4dlNNWEZyV3E1am52aWF5bDdRMk5QNEpiMVNESndsQlFXV3dVSDBzd1duLXB2Wk1jdmZEQTE5cUdfWlhWMzRuMWRhZ2Fv?oc=5) · wktv.com
- 2026-02-18 [A Good Catch at the Fish Market in Oneida County - wktv.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQRERmRk93ZkVLYTJqaTlXNUxRWmI1YXU2eVM5THoyYUdfNHBGTmxrXzc0NUFZM25EYlpzbFJSOFhaNGdBc1hPUUhVb1A5dGtJWEtBeXlsZzZrOFhYcDBWSkZxd3BMaXYtc1FCc2czXzFFSjFGT05LUGthRmpJS3E1SzZMX3dpQ1NUNFhBOWZNVUJfTmswZ1d1STYyNU1iQjZiNWF0V1RPSTlEeVl6YTFGU1JYcDBnNkczaFZqOUp5N3lMVUtmaVhOa09TbGNQam5oY24tcw?oc=5) · wktv.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13102 (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/46.json (key "13102", 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=13102
- 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