# WESTSIDE COMMUNITY
CHURCHVILLE, NY · NCUA charter 15324 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/westside-community-15324

Who the members are: federal charter, community charter, organized 1962. 1,849 members of 77,000 potential (2.4% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 25.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $25.3M |
| Members | 1,849 (0.0% YoY) |
| Full-time staff | 3 |
| Net worth | $2.7M |
| Net worth ratio | 10.7% (p21 of band) |
| ROA (annualized) | 1.38% (p82 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | -0.01% (p20 of band) |
| Loans / shares | 59% (p52 of band) |
| Cash / assets | 15.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.31% (p28 of band) |
| Operating expense / assets | 1.97% (p10 of band) |
| Vehicles % of loans | 38% (p25 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 96% |
| Certificates % of member funds | 4% |
| Average share balance | $8,066 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 25% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $28,408 |
| Loans granted, annualized | $3.0M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | losing money |  |
| 2016-12 | 1 |  | losing money |
| 2017-03 | 3 | net worth falling, losing money |  |
| 2017-06 | 2 |  | losing money |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | delinquency rising |  |
| 2020-09 | 1 |  | delinquency rising |
| 2020-12 | 2 | delinquency rising |  |
| 2021-03 | 5 | net worth falling, losing money, margin squeeze |  |
| 2021-06 | 4 | capital below 7% | delinquency rising, losing money, margin squeeze |
| 2021-09 | 2 | margin squeeze | net worth falling, capital below 7% |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 0 |  | thin capital, delinquency rising |
| 2025-03 | 1 | thin capital |  |
| 2025-06 | 0 |  | thin capital |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-02-25 [Watch: Raiders tour Las Vegas Historic Westside - Las Vegas Raiders](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQTmpuT01TT2N6bkFvNDlMQ3RjZHJBZFNHQmIwaUtjMXhPSkQxbUhic0JVSUdWeHZPcDR4Zm9IMmd3NFZIdFlCUVZia3lHQWFDVmw3RmFYOG40NFA0Y2RnLWpNQzJvdVQtNVZoZnZENmhCUjByVS1PTjJWN0Nuc2ZubEZKSGZuVG80?oc=5) · Las Vegas Raiders
- 2018-12-24 [Churchville-Riga C of C and community come together to create wishes - Westside News](https://news.google.com/rss/articles/CBMisgFBVV95cUxONm1HeEtXV2V3VVJjdHBTa201ZlFsSjRlQm5NLXFqTjZCUUxNUFN2RXNpTTROdHB6RW5PQlpCbzY3Znd3VjEwYzlwd2p2V3pLbDF0VmtnaEpRYTFGWTdoVmJuZnZsTWpxSlM3d1VGVzdaWktqdUdrR1RLcEcxSGFQOWRSV3dONW9xRGRwa2JWVW4wTzVfRUlacTBaTEVJcjR1X0NuX3BTX3drTlJHRnRrckJ3?oc=5) · Westside News
- 2010-05-29 [Marie A. Ives Obituary May 29, 2010 - newcomerrochester.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9oYktQRzY0QU11Y2xvYktQLWRvN2Q0TFl6MXR0TU96NGtZeG9JaWFfWmYyZklHeE1ZekMxd0FWZXB5TGdHaEp0WmRVTXRFMG5OYmNiSFpQVG9HbzZDM1FPaXNobVl4WV8t?oc=5) · newcomerrochester.com
- 2023-12-27 [Building community: Urban farm, greengrocer to serve Historic Westside - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQZTJvdmQ0aHVJc2wxZC1xZHllX2Vwc1lxOGpoWlRMeF9hUEpyUmJNSEZXdkVneEJ0NHdNUjg0YkJXLXEwclJTSzBORzBDZTVTX1FiLWM0aUFGMUFaU3JERTBDZUgwRWI4a0o3cXhoYUFHb2xjdVIyd3hHc0JBNzVnZTBhMjR3aV80V2JCZHdNOVhheGhxSHg2X1U4RDlwamdrTGF0MlBCbmpnQUtQdDFqTVBra3RoZ1c3SXAyUGdxYUI5cGJsRk1ZSQ?oc=5) · Las Vegas Review-Journal
- 2015-10-21 [What’s In Store - Good Times | Santa Cruz California's Leading Free Weekly](https://news.google.com/rss/articles/CBMiVEFVX3lxTE5xdzNHdUpxOTZGRWd5M005ZEVfVmRlbmNoM3V3cWxqVmxPYkl1VEcxYkdVT2w3TmdrQjZiLWZydGZJOWY5UV9STlV2d3puUnRIMWt5SQ?oc=5) · Good Times | Santa Cruz California's Leading Free Weekly

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15324 (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/28.json (key "15324", 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=15324
- 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