# NIAGARA-WHEATFIELD
SANBORN, NY · NCUA charter 14040 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/niagara-wheatfield-14040

Who the members are: federal charter, multiple common bond, organized 1960, low-income designated. 1,830 members of 5,000 potential (36.6% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 54.

**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 | $21.5M |
| Members | 1,830 (-0.7% YoY) |
| Full-time staff | 3 |
| Net worth | $2.3M |
| Net worth ratio | 10.6% (p20 of band) |
| ROA (annualized) | 1.22% (p77 of band) |
| Total delinquency | 4.75% (p92 of band) |
| Net charge-offs (annualized) | -0.01% (p20 of band) |
| Loans / shares | 51% (p40 of band) |
| Cash / assets | 11.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.04% (p57 of band) |
| Operating expense / assets | 2.95% (p30 of band) |
| Vehicles % of loans | 47% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.73% (p76 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 99% |
| Certificates % of member funds | 0% |
| Average share balance | $6,529 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $9,944 |
| Loans granted, annualized | $1.4M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, capital below 7%, losing money, delinquency 2x band |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 8 | net worth falling, charge-offs p90, repo signal, members leaving, loan book shrinking | losing money, delinquency 2x band |
| 2017-06 | 6 | losing money | repo signal, members leaving, loan book shrinking |
| 2017-09 | 6 | members leaving | net worth falling |
| 2017-12 | 6 |  |  |
| 2018-03 | 5 | assets shrinking | charge-offs p90, losing money |
| 2018-06 | 5 |  |  |
| 2018-09 | 4 | delinquency 2x band, delinquency rising | capital below 7%, members leaving |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 | members leaving | delinquency 2x band |
| 2019-06 | 4 | net worth falling | assets shrinking |
| 2019-09 | 2 |  | delinquency rising, net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 2 |  | members leaving |
| 2020-09 | 3 | delinquency 2x band, delinquency rising | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 6 | net worth falling, margin squeeze, members leaving |  |
| 2021-06 | 4 |  | net worth falling, margin squeeze |
| 2021-09 | 3 |  | delinquency rising |
| 2021-12 | 2 |  | delinquency 2x band |
| 2022-03 | 2 | net worth falling | members leaving |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | delinquency 2x band, delinquency rising | net worth falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | members leaving |  |
| 2023-06 | 1 |  | delinquency 2x band, delinquency rising, members leaving |
| 2023-09 | 3 | delinquency 2x band, leaning on borrowings |  |
| 2023-12 | 2 |  | delinquency 2x band |
| 2024-03 | 2 | losing money | leaning on borrowings |
| 2024-06 | 1 |  | losing money |
| 2024-09 | 2 | delinquency 2x band |  |
| 2024-12 | 3 | assets shrinking |  |
| 2025-03 | 0 |  | thin capital, delinquency 2x band, assets shrinking |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 1 | assets shrinking | delinquency rising |
| 2025-12 | 1 | delinquency 2x band | assets shrinking |
| 2026-03 | 2 | delinquency rising |  |

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

- 2023-06-23 [James H. Fadel Obituary Jun 23, 2023 - M.J. Colucci & Son Niagara Funeral Chapel](https://news.google.com/rss/articles/CBMibkFVX3lxTE1HUVk5VENiTXNHQ1ZjZDNYYUhGQ0p1T1lyVWJ2SW5ONlM3dmNxODBlNW1CeWVnOURNd1h3N0RTYkNTd1FkcDBVVHE1ZHN1MWlTeVZ2elVtdVNPWjdmczZyUFpqTWVyQjlrWjgzUjZR?oc=5) · M.J. Colucci &amp; Son Niagara Funeral Chapel
- 2015-06-09 [Sirianni Seeks to Bring Experience to Town Board - Niagara Falls Reporter](https://news.google.com/rss/articles/CBMieEFVX3lxTE54UkJEc1hnZnJvb0lDR0RZX1VsWl94MnpTUzQwRHB3V1pBelVJYm8xUlMtdzlEVjU2OGNMS1V1Tk90TWlDVS1HWHFBal9EdXA5OHNEUElNMHo3UEVaN2tjb1l5N2o4S1VGaWd5WXMzNTEwVG15ZEM4Mg?oc=5) · Niagara Falls Reporter
- 2009-01-10 [Bucknell Women's Track & Field Team Hosts Gulden Relays - Patriot League](https://news.google.com/rss/articles/CBMipgFBVV95cUxPcFpJalZrM2RHQnFrdGp5STdOeElnbmdXZ3gxMFFGRGpIWEdJLUZLMHlUa1gtRU9iX2lkakJWU0tlVzBnNXRVX2tNSE1ldmMyejhpeVYybThmYXVINXdwLXRpcl9JajJvbDZmN3NFVFZrMkJlMEt4OEZQSy1UeGw0Zzk5ZmZhbUdjOGhucUdsNU9LLUQyeEFuNkpGR0JHSDd4ZElQWDF3?oc=5) · Patriot League
- 2014-12-15 [Leadership Niagara announces new class for 2015 - Niagara Frontier Publications](https://news.google.com/rss/articles/CBMipwFBVV95cUxQQ1hCRy1CWVBXOEFnNHFXU3NkSFowajk4SFZiSGJSeUZoTmlPNkJiVVJzYWRsVWRYakxVZXJwRkQ0YXRiTXBvYzdic0Fpd3dYMG5ueHRVRi1mS1lTckpDN0lCWDRQQzFpLS1kYzhyYmR0VkNTeHhvTVhjcjF4QmhHMm8zQVhBY1BmY2dsaDdGbWNuNF9pa0FiQmhjUzNMa0R1dXh5TFE5Yw?oc=5) · Niagara Frontier Publications
- 2025-02-28 [Homer competes in first ever New York State girls’ wrestling championships; two place in podium - Cortland Voice](https://news.google.com/rss/articles/CBMiywFBVV95cUxNY3VzTjBiQTczdmFxT0hsX2d6eFIxN21GLTNHVUxVODk5M2tvbkdETmVkMmN5LXhXaDBFdk9sT0M0NkxIeEhadmo5c21yaE1YTzlTRFM0YVR0RkZ3U0IyOXJnb3IxZUI4SFlWMnFKR1RENUgyc1dvM2hkZlVPeFFjdng3R2FZM3BNSFo4dDVYbjhybmZVT3NDWHZtVVByaGhFU1gtNS1NRmtUZUF2V09yeTMwQ3dRc1ZicDFXZHZ1N2loOEpYZDQwV0RtZw?oc=5) · Cortland Voice
- 2012-09-08 [Hulbert "Hub" Ray Wagoner, Jr. Obituary Sep 8, 2012 - M.J. Colucci & Son Niagara Funeral Chapel](https://news.google.com/rss/articles/CBMifEFVX3lxTFBTS05LZVY0XzdHdXRoWHZST01NU1llN1haVHk0Mlk0VFVlTDRoRzBEdF9nd1NCZlRmcjFYMnNMVFdxcHRGcEwxOThTeEd4UTlXZ3U5ZS1SOEQwOTBVT2JreDltOXBjQWVZOHJvc3pqbHEzdHRRYnNKVGE5Q3Q?oc=5) · M.J. Colucci &amp; Son Niagara Funeral Chapel

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14040 (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/24.json (key "14040", 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=14040
- 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