# IRONDEQUOIT
Rochester, NY · NCUA charter 14268 · asset band <$50M · latest filing 2016-06 · stopped filing after 2016-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/irondequoit-14268

Who the members are: federal charter, multiple common bond, organized 1961. 1,410 members of 14,500 potential (9.7% of the field); checking penetration 20% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *stressed*. 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 | $5.6M |
| Members | 1,410 (– YoY) |
| Full-time staff | 3 |
| Net worth | $319,138 |
| Net worth ratio | 5.7% (p1 of band) |
| ROA (annualized) | -0.33% (p16 of band) |
| Total delinquency | 1.35% (p63 of band) |
| Net charge-offs (annualized) | 0.00% (p26 of band) |
| Loans / shares | 74% (p77 of band) |
| Cash / assets | 11.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.48% (p68 of band) |
| Operating expense / assets | 4.56% (p79 of band) |
| Vehicles % of loans | 57% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 0.00% (p29 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 12% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 22% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 0% |
| Average share balance | $2,816 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $7,233 |
| Loans granted, annualized | $2.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, capital below 7%, losing money |  |
| 2016-06 | 4 |  |  |

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

- 2019-11-15 [ESL opens new branch in Irondequoit - 13wham.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE9LMUNJUVVmTjJqb1ZNNmNpRWFiYWNrWEZzTWJ2U20zZmJqVWJBTnZSLXRMYzQ0MFZua1FnMG93cURwY1dtMk9fdnAyNjQ5MUFoRkxDVHg3U3A3Z1k5WFphLXRIVEVJTDVJblZMUE5UNnRHYXM?oc=5) · 13wham.com
- 2016-12-19 [Repeat Robber: Police Say Man Newly Out of Prison Hit Up Same Irondequoit Bank - Spectrum News](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNa2d6RWlfbG96ak1qYVhNaU1aQjRtV1hqbGNoaFJLUkFQQVRPaHBRUDhoYWdPY2VPMXkzVWk2Mk10dFZIME1fbmVXVzZSN2RyZzFxTHRiVGh2dktIQTgtQVV4ZjlGYXNGOVcwM3BiLWdYVHJpV2E0b1VpR3ZfZnNSWkVDVWNEak1YTDFQbm4yWGJIcFhKTFFOV1oxY2R3Y3ZMeE9hWHFYdkt2OUJSQlQwOFdmZmFpT3NB?oc=5) · Spectrum News
- 2019-10-30 [Reliant Community Credit Union - rbj.net](https://news.google.com/rss/articles/CBMibEFVX3lxTFBUWGtobGlfX1hUZWt2Z1psU19EZVFIRlltNkcxLWVnZE0wU2h6djVZNEJDSFNXZzRQVFVjQ3c3TmtHY0VJRVJwM3A3QnRxTkk4RHNPRkhRR2IzV0F3ZlJQU182bUpJTzhPZllCNg?oc=5) · rbj.net
- 2016-12-20 [Suspect in ESL Credit Union robbery in Irondequoit charged - Democrat and Chronicle](https://news.google.com/rss/articles/CBMivgFBVV95cUxOemV6TnMxWjVBanpuTTlaall3SUFYVTJCNW82OFVzd3dZcDZ0UE9HN2ctaXhqellIOFMzbHU1Qk8zMXoxdTVKZlk1Nm9pcm9qX0c2T2dtYmpQMFhiZmMwZzlFWWRxRUllV0haeVBHdmxud21laVNUcWlySkpwUWpKX0E3VmE3VDhpbFhweEtMazVSd0NiV3E2cDV3ZEZjaTZ0aUlfWGxjYUU3VXVMRmduZkxIbVlRZjQ5MktYd3B3?oc=5) · Democrat and Chronicle
- 2024-10-03 [Alan Janus - Bartolomeo and Perotto Funeral Home](https://news.google.com/rss/articles/CBMiUkFVX3lxTE1DUjNLWU04WDI1VkItbE5kR3NVVDVjY05KQTE0UUhWN2ZTNVF0TUQzUkVBZTBkTGJvRURTRGo2VGV0MXhnMUhsemtPNXZFSERvZ1E?oc=5) · Bartolomeo and Perotto Funeral Home
- 2024-02-03 [Irondequoit Rotary meets with Ukrainian families they helped resettle - 13wham.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxOWGFfQXRqeUk2a1NrQi1YNEo0VkQ2eTRHWGJJYXZfbjYwZ25GZUp5alR2TDVDeEcteThEX3NVbUNwT0hwN0hrWVZmUU1iSko2aDBUdml2ZDZEQ01MVG5oNXE3ZEFMVVFkYk9GcHBIWFRaVTYxWjB3QjF5bDNtWXFhTEZKOWRkUFJVMGdhZWktdGV6RXlqaEJ6Nm14ZDJRckZB?oc=5) · 13wham.com
- 2018-05-28 [Czekanski, David Edward - Richard H. Keenan Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBnRTZtSGdwM1N5aVNhRjFzZ0VzN3JrVHRRZ09GSVFYaDZ6S0tjcDFKdDFLSzcwMEFNODM5UElqRkJzZ0hCTmRyUmFCMC1SNU9jZFpMSjhFR2NnbHE1NjRtelhyclI?oc=5) · Richard H. Keenan Funeral Home
- 2013-05-22 [3 high school seniors are honored with Irondequoit Chamber of Commerce scholarships - The Augusta Chronicle](https://news.google.com/rss/articles/CBMisAFBVV95cUxOYjFFbEtJY01wZWZQUWxuUVV2SnlXMVFSZWY4SEtBZGs2d0xqRkw0MGZjVWh1dHlSd2lEZXZIa0NFbW5vcmVmc0dJby1lejA0UXVnU3FSV0F0RWJodW9SeU9HNTZBZXpPZ01iWUFRdG1TeFBUTVRfU3RDNXlwVzI1M0o4RG9zOFNBbzQtYWt0bHE1Wll1TW5KR2hyVS1vZjhLQjdsM3NBem53YkJxM09SaQ?oc=5) · The Augusta Chronicle

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14268 (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/60.json (key "14268", 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=14268
- 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