# WESTAR
CAMILLUS, NY · NCUA charter 15386 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/westar-15386

Who the members are: federal charter, community charter, organized 1963. 1,751 members of 77,000 potential (2.3% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *quiet fade*. 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 | $33.2M |
| Members | 1,751 (-22.8% YoY) |
| Full-time staff | 6 |
| Net worth | $3.4M |
| Net worth ratio | 10.4% (p18 of band) |
| ROA (annualized) | 0.13% (p29 of band) |
| Total delinquency | 0.08% (p23 of band) |
| Net charge-offs (annualized) | 0.65% (p79 of band) |
| Loans / shares | 30% (p14 of band) |
| Cash / assets | 71.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.67% (p42 of band) |
| Operating expense / assets | 3.64% (p50 of band) |
| Vehicles % of loans | 26% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.17% (p39 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 10% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 15% |
| Average share balance | $8,319 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $10,079 |
| Loans granted, annualized | $577,888 |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## 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 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 1 |  | thin capital |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | thin capital |  |
| 2018-06 | 2 | net worth falling | delinquency rising |
| 2018-09 | 2 | delinquency rising | net worth falling |
| 2018-12 | 1 |  | thin capital |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 4 | net worth falling, delinquency 2x band, delinquency rising, assets shrinking |  |
| 2019-09 | 2 | members leaving | net worth falling, delinquency 2x band, delinquency rising |
| 2019-12 | 0 |  | assets shrinking, members leaving |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | thin capital |  |
| 2020-09 | 3 | margin squeeze, delinquency rising | net worth falling |
| 2020-12 | 3 | delinquency 2x band | delinquency rising |
| 2021-03 | 6 | net worth falling, losing money, delinquency rising, charge-offs p90 | delinquency 2x band |
| 2021-06 | 4 | delinquency 2x band | net worth falling, losing money, charge-offs p90 |
| 2021-09 | 2 | members leaving | thin capital, delinquency rising, delinquency 2x band |
| 2021-12 | 1 | thin capital | margin squeeze, members leaving |
| 2022-03 | 4 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2022-06 | 5 | members leaving |  |
| 2022-09 | 2 |  | net worth falling, delinquency 2x band, members leaving |
| 2022-12 | 2 | delinquency 2x band | thin capital |
| 2023-03 | 3 | losing money, charge-offs p90 | delinquency rising |
| 2023-06 | 2 | assets shrinking | losing money, charge-offs p90 |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 3 | members leaving | delinquency rising |
| 2024-03 | 6 | net worth falling, losing money, charge-offs p90 |  |
| 2024-06 | 7 | delinquency rising, loan book shrinking | charge-offs p90 |
| 2024-09 | 5 |  | net worth falling, delinquency rising |
| 2024-12 | 5 |  |  |
| 2025-03 | 3 |  | members leaving, losing money |
| 2025-06 | 3 | members leaving | delinquency 2x band |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | assets shrinking |
| 2026-03 | 2 |  |  |

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

- 2026-03-24 [A Syracuse credit union is about to get a lot bigger after a merger - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2026-04-11 [Credit Unions Continue to See Growth in Membership, Assets - Oswego County Business Magazine](https://news.google.com/rss/articles/CBMilgFBVV95cUxPMERkZzJiZ3FTcWs2eEFoOUpRbUFCNTFPV2N0ckN3OXNVM1p5d3Zrb0UtMzZTRVp1QldlTUpTSmlpRmhhekQtNDllMWdadGlad2R6N21Qb052VDhwdlJ4TUlCZHdMOFcteERkSFVjTzgyWFdwMTN3RlJ6R21mS25sZmtDLVJ5S1U3OTRTNWFuSl9jWjdZZHc?oc=5) · Oswego County Business Magazine
- 2022-08-27 [Christine Edinger Obituary (2022) - Syracuse, NY - Syracuse.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNMzZvQjdDNm5nUHV3V2ZjdEhKb0NJYmV3U0xVZHFRNV9vNDB1THdWZTR0LWo0RjVGeG5DZzV1bFZxSDlUYW9rcGFUVE1oc0JnbVNnWjlILWNxc1NQVEZGZnNiNWMwOGtYWWFHVjJrXzdhMnFrSGRkajV4M0tsOXU4MlJOczRhV2M1T3pycnQ2cXQ5ZTFoM3ZCTg?oc=5) · Syracuse.com
- 2025-09-05 [Anna Stefanco Obituary (2025) - Syracuse, NY - Syracuse.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOaUU5V0pBckRGSlFYNTVIc3dpMnk0dFdmWkE5cXZCX0gtbVpURlo3NEFDRXF5NHdoNnh1TlFmdVRZNWhDLWlMcFdsZVZRMHBDUGdfRkNqdTJmbklURVZRTFBGc0o2cEtKbktiMDlBUkZMTUN3SjYxVC1PTm1kR0wzdnJSa0w1YzAzZzBiQm40U1RvMjA?oc=5) · Syracuse.com
- 2023-02-02 [William McGrade Obituary (2016) - Baldwinsville, NY - Syracuse.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQeGllMnlTQVFjQzlnaFljenU5QmZheUIxVDRxSEZ3cGVpdGRVMDV5WURyOEdYakQwMnVaUzN5R05iSzJScVVRSmlCU1ltWWZIYXFaYU9ROFlrMnRTVmZ4djBzVm5CRjVhZnRIQkZwamxxZ3VmaDkyS3o2TThKVFFuT2EwREJuaGxFcllyQktUWGVPLU51MHc?oc=5) · Syracuse.com
- 2022-02-18 [Donald Bogert Obituary (2022) - Warners, NY - Syracuse.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQMmFCVjVKTkFuV20yS2tZSm8xMTRtMjRnY1I5WEtCMkp0UktKdE9sRmxiZFJXWTI4a2VuMDltcVpvQUJqaHQ2NzhBMUxrVUtIUFdELWw4YnNLTjRkSGl1Vkl4akJKbFZ3THk0ZDlKekJKRURvdDViWmgzaXIzd0JkTlZ4V05BUUtpVkgwdHR6QU5Kakk?oc=5) · Syracuse.com
- 2015-05-04 [Mark Loveland Obituary (2015) - Camillus, NY - Syracuse.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQZG5YUDd3Ylg1enhvYnN6MDBpOE52VXNPbVhFS0Jtc0xsWmJSSmh3TER2TUlrcXRfWTZyUHhEUFZ0Z1N3UWZiS19lZUNZT3J6T2pVQ3BhTlctX01hNXFhbTZfWUhSd2FLbUNJZVZvaWtiTEtyU3FHS1lXUUpYQ1RBSy16ajBGRFlPcXRYVDJiUVRBbW8?oc=5) · Syracuse.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15386 (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/26.json (key "15386", 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=15386
- 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