# MOUNT ST. MARY'S HOSPITAL
Lewiston, NY · NCUA charter 15043 · asset band <$50M · latest filing 2016-09 · stopped filing after 2016-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/mount-st-mary-s-hospital-15043

Who the members are: federal charter, multiple common bond, organized 1962, low-income designated. 601 members of 2,000 potential (30.1% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.9M |
| Members | 601 (– YoY) |
| Full-time staff | 1 |
| Net worth | $206,101 |
| Net worth ratio | 10.7% (p34 of band) |
| ROA (annualized) | -4.52% (p1 of band) |
| Total delinquency | 2.45% (p78 of band) |
| Net charge-offs (annualized) | 0.00% (p21 of band) |
| Loans / shares | 44% (p30 of band) |
| Cash / assets | 46.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.25% (p21 of band) |
| Operating expense / assets | 5.69% (p91 of band) |
| Vehicles % of loans | 35% (p27 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 6.23% (p95 of band) |
| Vehicle NCO | 0.00% (p25 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 65% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,338 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $3,505 |
| Loans granted, annualized | $269,883 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 3 | expense trap, delinquency 2x band |  |

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

- 2023-02-27 [Power 250: It’s kickoff time for Business First's 11th annual list of leaders - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxNUnFDZ0dyTU42eHkzLVpta3gwbGhFNDlKY1VLeDFlai1wLTNBWU9RaUdEeVBzYzN0RjZTQWsxWGNQTUFad0ppRDA0MzhTUF9lZkViX181akRUUTJJZ1Bkc2RjLWp1T25HZ05oTUR5SWdrLWlwVWtESXRPbndNYWpqa2Rwam0zQ0FaaHpoRW84X21faklsVWFraA?oc=5) · The Business Journals
- 2018-06-07 [John DiBacco Obituary (2018) - Buffalo, NY - Buffalo News - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPamtmYjN0ZlNobUpTa2VQLVE5a0JiOWRnZTNadXBPb2dWb3l5MFdhRG1DRUVFSTZZR3M0Q2dPS1RWWF9yX1VkNnQ2WUVoVmlTc0JXOTZzZm1ETGczcHFCYm1HMkVBeE1rNHRYTWtBWEFiVGMwVHdoUkY0Wlkzal9QdEdDbS1YV2RTLTJHeUw0SQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15043 (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/3.json (key "15043", 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=15043
- 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