# SPENCERPORT
Spencerport, NY · NCUA charter 14884 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/spencerport-14884

Who the members are: federal charter, community charter, organized 1962. 4,442 members of 791,000 potential (0.6% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 45.

**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 | $42.7M |
| Members | 4,442 (0.9% YoY) |
| Full-time staff | 6 |
| Net worth | $3.9M |
| Net worth ratio | 9.1% (p11 of band) |
| ROA (annualized) | 0.74% (p58 of band) |
| Total delinquency | 0.74% (p54 of band) |
| Net charge-offs (annualized) | 0.33% (p70 of band) |
| Loans / shares | 57% (p49 of band) |
| Cash / assets | 4.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.78% (p46 of band) |
| Operating expense / assets | 3.25% (p39 of band) |
| Vehicles % of loans | 68% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 31% |
| Third-party paper % of net worth | 119% (p97 of band) |
| Vehicle delinquency | 0.74% (p59 of band) |
| Vehicle NCO | 0.41% (p79 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 23% |
| Average share balance | $6,402 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $11,018 |
| Loans granted, annualized | $9.9M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | delinquency rising, 3rd-party paper>100% NW |  |
| 2017-06 | 3 | net worth falling | delinquency rising |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | net worth falling, loan book shrinking |  |
| 2020-06 | 5 | margin squeeze |  |
| 2020-09 | 4 | auto monoline | net worth falling, loan book shrinking |
| 2020-12 | 4 |  |  |
| 2021-03 | 7 | capital below 7%, net worth falling |  |
| 2021-06 | 7 |  |  |
| 2021-09 | 4 |  | capital below 7%, net worth falling |
| 2021-12 | 7 | capital below 7%, delinquency 2x band |  |
| 2022-03 | 5 |  | margin squeeze, delinquency 2x band |
| 2022-06 | 6 | losing money |  |
| 2022-09 | 7 | net worth falling |  |
| 2022-12 | 6 |  | net worth falling |
| 2023-03 | 5 |  | losing money |
| 2023-06 | 4 | delinquency rising | capital below 7% |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | assets shrinking |  |
| 2024-03 | 4 |  | delinquency rising |
| 2024-06 | 3 |  | assets shrinking |
| 2024-09 | 4 | assets shrinking |  |
| 2024-12 | 3 |  | assets shrinking |
| 2025-03 | 4 | net worth falling |  |
| 2025-06 | 5 | delinquency rising, repo signal | net worth falling |
| 2025-09 | 5 | delinquency 2x band | repo signal |
| 2025-12 | 4 |  | thin capital |
| 2026-03 | 2 |  | delinquency rising, delinquency 2x band |

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

- 2026-05-08 [Dennis A. Pelletier Youth Hall of Fame - Westside News](https://news.google.com/rss/articles/CBMijgFBVV95cUxQcmlSS2lNYlZRZjhiVkozM0JtcHFuSWxTZ0lITzRkeTNpdnBWeEpPT0s4ZV9uS0JWWkxaQjlQbWszN2NIRXFJR2xlM0pLYl9jeHA2WlVSSE9uTGpPTFlod1pjd2h6a3JiVkRqSnBDMDYzY1BWeS1wQ3NRamtMdldwMl95Mzd5STBYTFZ3ZnBB?oc=5) · Westside News
- 2022-08-21 [Celebrating the 60th Anniversary of the Spencerport Federal Credit Union - Westside News](https://news.google.com/rss/articles/CBMivAFBVV95cUxQYXdLMXFfeWxydlNmWFVfS01kMGVuWDl4YzB1QnhfWlk3R3lxd19KajI3RjhGTXRCbTFSbHhqNk1iTnZLc1JRTEJDajlpdThUbUpQQmplNVE5b2tJd1JzTjRsOFU5dkNCcGlfM3NZXzhCUmZtY3FraXlJVWJ2YmJfazN0OENoTzlCQkJoWldQdFVCb1Q1WVlWSzk5TjROeXhfS2Rtc0p4NUtaa1ZValRDNjI1UEY0U0hwa2VqcA?oc=5) · Westside News
- 2024-11-04 [Advantage Federal Credit Union Sectional Championship Preview: Brighton and Spencerport meet with Class AA Boys' title on the line - Pickin' Splinters](https://news.google.com/rss/articles/CBMi_AFBVV95cUxQaWRKVkhxcVljbnRzbzRNWmp3ZjY2MnhzeWhIYnRZeklmV3gyQWhsSE9FemNCMHBGRThQVTE2cmFvZ1dRQ29tOGpTVjZPdWszb1VPLVZzTlNpSzljZjB6eVJVSEZZbzdlY0FramhNRTMzUGhNYU90Skk3R0tpYldBVXd6dUZMcmdMaXlJb01HaFR3aVdtUzJzVjBCWkVldkpRdFBGQ1VwSklRQlZTYTUzRnhGQVRvd2QtWUFERC1aQzNMV2VWVHdHMWh0TkxpN3NCdFc2ZGN3UVBkZ3phOUdQbFNZT2hPZGJpNGZfTWZZdkJwT2ZadmZrVXQ3ODY?oc=5) · Pickin' Splinters
- 2024-04-01 [Serge M. Mandrick Obituary Apr 1, 2024 - newcomerrochester.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE1HQmNVUjI1Uk5ydVZYNXpFUFlaQUN3MXY2clRhOXVuWndfeEt3QWx6T29iVFcxMVp2bzF3dDJMZmRKY0lEMDZKNTJ2cU1Nd1JvSG5aaWt6WnQyNmNXWDNqTzU5OWp2OGxRTEhv?oc=5) · newcomerrochester.com
- 2022-11-11 [McQuaid, Spencerport lead Section V parade into boys state soccer semifinals: What to know - Democrat and Chronicle](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOeUQyMnltNmxUQ2tDTVN5NG00ODg2QVFrYTcxZFZOVEhyUVFUYWVrVk83b1VUV3RSSkN3XzZrczBxbnBZRzBkYVYweGd3Ti1TYXNLY2p6eFpHaW9MNGFlNDBkRWl6WTFFTDlBQkNHM1FtUHJiLWJfZDZUUzNGYVE0SExDWG5vMzdOYjZwUW5QeE1MOU8ycktndG1HVU1tSENwWWhnYzA0U19KR0pDOUppU3NNek1VRHk4ZG1pNXhjVGxjMUM3MmpWQ3hFRnZzOF9VeEhmTTF4aGZEWlM4QzRVNlBWNWlxWms?oc=5) · Democrat and Chronicle
- 2026-05-26 [Kathryn E. "Pietropaolo" Graham Obituary (2026) - Rochester, NY - DiPonzio Funeral Home - Rochester - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxObmt1Z3A4MHY2OUtiN1dDUW9EWVl3bzlPSm9kNnZLRkRsdlVTdXJYTGhWNlh1ZzVYS3hXNW1iZ3dkRE82cGFFVkFCV1gzaGR0WkkxNGI2S1FDdzFiUVBQX0lxNHZJU0NLVFdVeF9TcWtSampWQVNOTGlkdmNveWprYTRxbw?oc=5) · legacy.com
- 2021-10-10 [Spencerport Area Chamber of Commerce holds awards dinner - Westside News](https://news.google.com/rss/articles/CBMiogFBVV95cUxQR1phZWptOGFmbTZrd3h0YVZYZnJYYlNFUjV6UEQyTUFtOThqLTZ4dTVzT09fOVFTN01JRlo3U0p2Sk1RZUI2MWlkSUdJSjlGOEpiNUpsVWZ1M2MydzlYd1FwNmlCX0xhQWd1UTBidlZBVVd3MWVEU25Fc3p4WXR0d1hwVmVmOW84ZXU4MG01TGxYWnhJOWxtZ1UweVctRE54dFE?oc=5) · Westside News
- 2023-09-17 [William John Martin - Democrat and Chronicle](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5aYkg2OWttQTcwOW9Gcmk1RHhibGJvQk96OW4xV1VPbEpITDJnTmVxTmZ3YWNDRnVRT1JFWXd4NldGcmhDZTM3NmRfSWJzYW1wSlU2N1p4VzQ5b3BOQjNfWWh2eEE2ZXFB?oc=5) · Democrat and Chronicle

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14884 (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/36.json (key "14884", 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=14884
- 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