# ED-MED
OGDENSBURG, NY · NCUA charter 13186 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ed-med-13186

Who the members are: federal charter, multiple common bond, organized 1959. 2,088 members of 2,700 potential (77.3% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *auto monoline*. 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 | $34.0M |
| Members | 2,088 (-0.7% YoY) |
| Full-time staff | 3 |
| Net worth | $4.3M |
| Net worth ratio | 12.5% (p35 of band) |
| ROA (annualized) | 1.07% (p73 of band) |
| Total delinquency | 1.34% (p68 of band) |
| Net charge-offs (annualized) | -0.35% (p5 of band) |
| Loans / shares | 45% (p31 of band) |
| Cash / assets | 2.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.51% (p9 of band) |
| Operating expense / assets | 1.51% (p5 of band) |
| Vehicles % of loans | 73% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.25% (p69 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 35% |
| Average share balance | $6,871 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $13,723 |
| Loans granted, annualized | $1.9M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 0 |  | members leaving, net worth falling |
| 2017-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2018-03 | 0 |  | delinquency 2x band, delinquency rising |
| 2018-06 | 1 | net worth falling |  |
| 2018-09 | 1 | delinquency rising | net worth falling |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency 2x band |  |
| 2019-09 | 0 |  | delinquency 2x band |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2020-06 | 2 | net worth falling | delinquency rising |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 0 |  | delinquency 2x band, net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | net worth falling, delinquency 2x band |  |
| 2022-06 | 2 | auto monoline | delinquency 2x band |
| 2022-09 | 3 | delinquency 2x band, delinquency rising | net worth falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | assets shrinking | delinquency rising |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 1 |  | delinquency 2x band, assets shrinking |
| 2024-06 | 2 | delinquency 2x band |  |
| 2024-09 | 1 |  | delinquency 2x band |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | delinquency 2x band |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | delinquency 2x band |
| 2026-03 | 2 | delinquency 2x band |  |

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

- 2021-10-27 [Patricia (Redden) Sargent, 72, of Ogdensburg - WWNY](https://news.google.com/rss/articles/CBMifEFVX3lxTE9lVERaRGV3Wm1yZWZHM01yT2FUOXloa0tIdGtmZk51UHhydUVtdzgwemVpZG51aVBvQUhIM0tZaHNSR0t1R1hWaXJCLWpobXFXUkpNZ2t2Z1J0bTZiN1JqMGJkanhSVzRUa3lHUVhZOS10blpNdERyUnM3NEHSAZABQVVfeXFMUEVDOVpmaDJtbDZRMDBXdnVlWlpGcjliOGpEZ0tFT29rVW9UdEhPUEp4ZmNST2pURGJlaktDVm1tbGp6aTlGOExfVkJRWWRiQ3hORmRCOW5jeE5nazJyTHBPVWlJZ0x2V0dHbHVzXzZNSmhmX3JaSGlyOHRneTlaaHZUVXlyaE8ta2Juc1RjMTRL?oc=5) · WWNY
- 2021-12-17 [OFA junior named Ogdensburg Chamber Student of the Month - North Country Now](https://news.google.com/rss/articles/CBMingFBVV95cUxObWRqNGNFU2lKUXJLcm11dm9DMjdDTTVUY2JoSXBOZUU3MVB0R3dMb1hBVmR3cF94c3MyUVVNNXZGNjF1MHNFNzFUem80dW5lVXVCRnd0b0lOM2xXUW96TVFNQklvRnhWb1c4TnNZSklkdlRkN0k4VUJVUG1KUjZ1andRem43ZEdxQktpMHowYTUzUVVfMHJDQUJSZnRFUQ?oc=5) · North Country Now
- 2018-11-13 [OFA STUDENT OF THE MONTH - nny360.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxPMUt0cWtibmNpN2gyTk5XYlNwSUdGTzdWS3Z1bDNjS3ZRMWE2c0FHTWdnNWlHenJPNU9NM0pXdEhvQ1JrZkJXRGdvWW1xYkRsOEVFbFktV2JBMDk1LWM5WDNkU2huSzlNVkhEbnBmaWVrZFNYWVYtOGtZb2FwWlQzaE1WUHJQR1BhSEpycmJNVHlaTGM1ZEFaWE5tNGtlcDM5cTdRQw?oc=5) · nny360.com
- 2026-06-17 [Car-B-Que Returns: Ogdensburg Gears Up for Annual Classic Car Show & Family Fun Day - InformNNY.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOaHFTeWROemMxaERhVk9qcy14MkxMZWJoS19rcHNiN1ViY01DZDR3UW5heGJrSkE0bGd1cTZGaXZyZDFmOEJMbl9TRTVlaHhXa2hXU0JhWUs5LVhVcGxsckVDTktsX0xQTFJKTG1zclNlMTZLX0l1SXJWSjAwNXZYMmZJaDdiUVF1VlUtb0YzTkY5MEJjMUZTRGozX09Xc2F0Z1JvR01TMW83ajN5ZThjR2YwenJWc2JP0gG-AUFVX3lxTFAzVEZhekNvWGJ4UUV6Z3Z6SnhKV0hqV1B1WmoxbmdEYWs3VVpwRDl0a3hRem1TNWlHbE5wMWw2QWpPZE02bTUxZmNOclZ5ZGxrMk96SkV4ekZlSGViVWs4dk04UTJ0amh0Q0VNaXR4TnRoaE04Y3FQWDE4X0IyYTdNWDZlNWJjOHhYbkt3a3RWSnpDNTlVWUhTQW1VM0lZbE4yU1VMMlNmZkg2WjJoamFHT2pEdTVVY1N2d2JsNlE?oc=5) · InformNNY.com
- 2023-03-14 [OFA senior honored as Ogdensburg Chamber BOCES Student of the Month - North Country Now](https://news.google.com/rss/articles/CBMirwFBVV95cUxQdkJSZ3ZIYjNQRUFwX3M4aWNvSTJwdlotRDNsMXZWeWk4QU8ySEU3SWpGZ0xSN0Nsc0NnS1QzQUVHbGhLc052bm5NTEVCSjEtTl9HbFp6X1hwaGJxYW50LVRBNU16Z0FKT19Od3p6SXhhckVPdDEtUmFPdjBOM0FjVTkyYlRRTDRRSGJEUl9mSk1lM0ZHb2hPUS1ORFl0cnFXS1hzQ2dmMXBvY2hKcGJR?oc=5) · North Country Now
- 2015-04-15 [Suzanne Urban Obituary - Ogdensburg, NY - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxOYjdSLXZHeFBEOFlTU3dlMzl2Q2dJZnU3czVCQkp2QnNFWXlTeXY3RFd1LXRZVUxQOTZzMzh3a0hnZnYwbW9ZWTBlc3RpZVJlb0c4b0o3YnNXT08wRi1kUVJPbzgxUHNNMGVOb21JaUxVZ0UyTmQ5cTZVaFJlS3V0YS1ud2Y?oc=5) · Dignity Memorial
- 2023-01-05 [Heuvelton Central senior named Ogdensburg Chamber BOCES Sudent of the Month - North Country Now](https://news.google.com/rss/articles/CBMiugFBVV95cUxPUGNHRGtnV05kM3lJZ2hQNUlDLWkwY3JPOFJjeExmLXRiNUJBUVh0aEFIZjJ3NFIxV0lnbzYwYWxrYTZ0WEhwZmdxT2FRYWpVTm50SGlFWUlCNGdSU1VvMHVhRUVCRWppcUlvZ0t1WjlQSFQ1ZlA1RkwwR2VvRVhYbENOT3FHY05yWVNGbkhldEhZcVlQQVVETzdkZXJzR19ta2pTV3lmR0x0SFdJdzhnVXo1OVNzSjA5dEE?oc=5) · North Country Now
- 2022-02-02 [OFA senior named Ogdensburg Chamber BOCES Student of the Month - North Country Now](https://news.google.com/rss/articles/CBMipgFBVV95cUxPYWRuSDREV3dCbW5FYXN5YVpreWMtcDc3VFp6SG5ycGp4ai1OVXVPMmdmSGJrdndyM1RIMkloYVpFOWw4alpHQUVIVlBjMmFSYjNUU3Q2MkFpaGRadjZtOUQ0Vy1lbkZfaWI0WVlOVllaZDNicnZ0TEtnbFBSblBWaS0yclBZZWR4bkNiOGI0ZGgtak1QQnR4OWhxbE5IUnZ0Rm9IR1lR?oc=5) · North Country Now

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13186 (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/2.json (key "13186", 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=13186
- 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