# ONTARIO SHORES
Newfane, NY · NCUA charter 14462 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ontario-shores-14462

Who the members are: federal charter, community charter, organized 1961, low-income designated. 11,833 members of 560,158 potential (2.1% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 46.

**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 | $201.9M |
| Members | 11,833 (12.6% YoY) |
| Full-time staff | 28 |
| Net worth | $21.7M |
| Net worth ratio | 10.7% (p42 of band) |
| ROA (annualized) | 0.98% (p71 of band) |
| Total delinquency | 0.97% (p77 of band) |
| Net charge-offs (annualized) | 0.02% (p5 of band) |
| Loans / shares | 51% (p8 of band) |
| Cash / assets | 5.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.18% (p25 of band) |
| Operating expense / assets | 2.71% (p17 of band) |
| Vehicles % of loans | 20% (p23 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.26% (p23 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 73% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 22% |
| Average share balance | $8,580 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $16,551 |
| Loans granted, annualized | $20.7M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | thin capital |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 0 |  | thin capital |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | delinquency rising |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | thin capital, margin squeeze |  |
| 2021-06 | 2 | net worth falling | margin squeeze |
| 2021-09 | 0 |  | thin capital, net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | delinquency rising |  |
| 2022-06 | 2 | net worth falling |  |
| 2022-09 | 1 |  | net worth falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 1 | net worth falling |  |
| 2025-09 | 0 |  | net worth falling |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2024-07-23 [Local credit union breaks ground at new location - WGRZ](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOUTFremFTYjdvdmJMZy1qQV8zQ0x0LS02RlVGVnVfOVI5U3VfOUtmVWk5T3k1UXNzZ2l2ajlqZWdkdTNDNkplTTNhN1pJVGJ2ZnpEclp1RV9xd2FfVEczN2toQTlNc2FyX0g4ek5zV2V5NTZ6c1NZNnVNS0ZOQ2o0Q0RXY0ZPczZ2bkVXdE0zOGNYOUQ0X25UTW9pQ2pVSTIySmdKS2s3SGRJckZnNFNQT014dFphZmVOS1dUNHVGdUhJVG4yMFJlOE5kb01PaFlYQVRXMFh1SV9EYVkwZWRCaUp0eGc?oc=5) · WGRZ
- 2024-02-29 [Student run credit union opens at Newfane Senior High - WGRZ](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPUzV3dk9qSjJ3OGFSQjlaUmFWeGRuUVdKZmtBblVES1hmOTJvNnZSZUtfRm9GS3VKMnZhRHlIQmc5ay1aaFZWRVJWSGF3Z2lrVnVEQktVbFFwMDlKSWM0aXJ2eEVKazRsbEpkaG9WbG9HMDJUbG5CdkVfRktoTDhRV3lCSHRQMFB0NzhrejNYdFFhcU43cHhiTVVqVkx2TFRwbGNKSENKdUM1SUJSbWY0WkhCYkFfbHFJakJkbTU1Y3FOY0FOVWVkaw?oc=5) · WGRZ
- 2023-02-06 [Lockport CARES to recognize 'Coldest Night of the Year' - Niagara Frontier Publications](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOdTNkWW5VUGZSbHRtWGZUS3piT1YzZzNiS2pHSVpld0lfeXJYN1BHVzl3VFNXQ2ZPT3k0cnRtT1ZWa3ZobGJQQTl0czl3ZnAzS1dyOF93R2dxNGpfVUhJQnZGSEVKWEZpYzB4OGUxazNzcFotUzZGZ2RnU2xkbmphaVNnZ1A4RE1BeVVBNENSZFVITGM3Q040LTRWWktaZlphR2ZieG01aGV4dmdUcVBENFdYZFN5QjA2M1lZ?oc=5) · Niagara Frontier Publications
- 2025-01-07 [Introducing the 2025 finalists for Best Places to Work, Healthiest Employers and HR Impact Awards - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNWHA4OWdHaUpoQmswdm12WFBSUlZlZF9jZ3pDS21hYVNfM0RaV3hpV3BFU0g4dk50bk1mdldpeHNzbElPZUc2aWp3a1dkY0ZuNW5wOXVJNFNtb2ZRMnBGMkEtakdQb0UyLXlDR2xqdVE3eTlfS0lSMkppSlozbmlMS2VDLUhSY2ZqU2NLTWxEUXFaakNhcjU4VnJfS2NfZEFkVEF5ZWFR?oc=5) · The Business Journals
- 2026-03-10 [WYOMING COUNTY/Celebrating and recognizing the awardees at the 17th Annual Pride of Wyoming County Agriculture Dinner - Video News Service](https://news.google.com/rss/articles/CBMi_AFBVV95cUxNNE4yWmtZOTJ6aEFiazBrVUdwZFhKSWc2dVF3VXBmWGtLTnVjN2dndVFscHlTaUZEVk9ia3M3WXlNaVFhcUJmQVlvRnQwZmFLcmUwUGMzcDVmYURlNlVHSVd0blkwOVh6bm43TjZpNlB2S3NXVVNYZXdKOHlCMGVQNWEwMUp4R1pSSnNnTVhmWG0xa0ZNNTd1ODRwYVFwNlhNaWtmTERhY3NyV1JQZkpCWThIeG1pZ3RJcHpfTzRYcFBEd1JwVzlmR2w3Y0xYanFkXzc1V0EtWG01cm1lZjZQeThVMVhrMW9YUHpFejFUZ0daamFQMmhVckJjOXE?oc=5) · Video News Service
- 2022-05-21 [5K in Medina supports family of boy with rare genetic disease - Orleans Hub](https://news.google.com/rss/articles/CBMijgFBVV95cUxQRHZFSVJLcWR6ang2akdkMWZQS3Y5RFBuVFp2YlNrbm9QN2FYc3A5bUR1MjZMQWlZQ3hwV0prLXgwdzFxSGdwRElkZHdocjJoRWRTRkpia2ltb3NhVlRFdVk3QlBxUzVuVzl6bDg2VFF2ckRrcmRPNlU1Y3ZCbW5YQ0k5S21lUWJDWTZidll3?oc=5) · Orleans Hub
- 2020-06-03 [Helen L. Keller - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxQd3dLU0dHQTJza3FKazJTVzlnQWlaMG5oSDhXa1FiMFc0RkphWmtSTGNldjVOa3kwTEpIMTAzSlM2VXBPZXlENllFblFvRG54cFRRX3lROFJpSGc5bnpWUFRZWlZCMmlNNGJ2OGZHa3paSjhGeFNWR0tidFFMVlhIUmZUSlJLNXlpa3gzMWhB?oc=5) · Legacy obituary
- 2025-03-13 [Buffalo's Best Places to Work: Winners and finalists for 2025 - The Business Journals](https://news.google.com/rss/articles/CBMickFVX3lxTE1pSDBKSFBBMWd5X3lZMWNQU005X01kLXJrbXVOTkpacDhqbVhWNFFnMW9aV0xRSzdLYlBpUEliejNhaDRlMXFSRVl6ekhsaFNzQWphdVJObWtOZllnRW9FaThRMkZnQ0Z3eFUyYnFJVWJZdw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14462 (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/62.json (key "14462", 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=14462
- 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