# TROY
TROY, NY · NCUA charter 15928 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/troy-15928

Who the members are: federal charter, multiple common bond, organized 1963, low-income designated. 529 members of 1,200 potential (44.1% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 33.

**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 | $3.7M |
| Members | 529 (3.5% YoY) |
| Full-time staff | 1 |
| Net worth | $589,786 |
| Net worth ratio | 16.0% (p56 of band) |
| ROA (annualized) | 0.14% (p29 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 75% (p74 of band) |
| Cash / assets | 9.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.33% (p28 of band) |
| Operating expense / assets | 2.98% (p31 of band) |
| Vehicles % of loans | 71% (p67 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 | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 29% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $4,251 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $13,320 |
| Loans granted, annualized | $2.7M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 1 |  | losing money |
| 2016-09 | 0 |  | auto monoline |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | losing money |  |
| 2017-06 | 0 |  | losing money |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | losing money |  |
| 2018-06 | 1 | net worth falling | losing money |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | assets shrinking | delinquency rising |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | assets shrinking |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | margin squeeze, delinquency rising |  |
| 2021-06 | 2 | charge-offs p90 | delinquency rising |
| 2021-09 | 2 | delinquency rising | charge-offs p90 |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 2 | losing money, charge-offs p90 | margin squeeze |
| 2022-06 | 1 | delinquency rising | losing money, charge-offs p90 |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 2 | delinquency rising, assets shrinking |  |
| 2023-03 | 2 | auto monoline | delinquency rising |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | net worth falling, delinquency rising |  |
| 2023-12 | 2 |  | assets shrinking, delinquency rising |
| 2024-03 | 2 | delinquency rising | net worth falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 4 | net worth falling, members leaving, loan book shrinking | delinquency rising |
| 2025-06 | 3 |  | members leaving |
| 2025-09 | 2 |  | loan book shrinking |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-08-23 [Troy man arrested, charged with forging U.S. Treasury check at Halfmoon credit union - WRGB](https://news.google.com/rss/articles/CBMitgFBVV95cUxOZUN6NVZlYUV0czVQd1poY0dCZjVZZlZ6X1kwQU8wanFGNU9FUmZzOG5haVgyTUZ1SEtSMWUtWDBLSW01cE94cEpLelFEWHowYUNhODFpY0t4T3FMVmFieGtCZG9nbzh6d05iNTN3a29feUJKX1ZsRVl3NjRkeTNnVjlRM29pME11cUJGU2ZVbi11UU1mOHV6TDQ2VTlfRi1mYTcxdk1KblVIWkFsZlBRUVlKNXRMZw?oc=5) · WRGB
- 2026-06-02 [Neil Farrell Obituary (2026) - Latham, NY - Albany Times Union - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxObG0xNVZ6YUpIVWswaWdqOVlPVmJ1cmRoMTNkYllWMmx4M3JUbEZsVksyNGlVUDA5TXBJRUZaY0txbmNyUE9BV3FxWUJ6LXZ0NGx2M2V6NkFZckdCOHpfZ2FKczFmeFNsRVU0ZkdzWlVEdy0zQ0F2Sk1jWUozYS1VN3daV1JiNF9sVDJzVGN5aTNvWW5KckpIcw?oc=5) · legacy.com
- 2025-11-04 [Terri M. McLean Obituary Nov 4, 2025 - New Comer Cremations & Funerals](https://news.google.com/rss/articles/CBMiZEFVX3lxTFB5UWx0aVdkZl9PZW5zS09XcC1kNXY2RngwYy1XYXN1VDBNUFY5TzhKNUFUREN0UDZKc0tkZkVnOF9KYzRhb0p2aURhUDEzeDduemFsS2ZqY2RQS2NKVjdxQy1WZWE?oc=5) · New Comer Cremations &amp; Funerals
- 2025-11-24 [Patriot League Football Players of the Week presented by Credit Union 1 Announced (11.24.25) - Patriot League](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPMUJ3OFpjVlEwZ0dCNF92ZG1Fc0JXZUw2VDRkMTlmcG55SVViMVRHX2x0OGpBaF90aHZxcDdUN0FLU0hfcXpDblgyV2lLTTAxaGdZdWNmR1g5MmdrQ3ROaURJOG5fRTFJeVpTSmdnOGlJT2JwNExMUUtDazJpYmdoUmFLaHFfaFd0SmdKbFY2LUJVOHRkMlJuQzFUSW1pelpuNUVMZTJZaVhjYWsxN29VSW1nYVdsLVhBdmYza0dCREVXUEFXMm5GbzVFbl9yMGpyam9Z?oc=5) · Patriot League
- 2025-04-02 [XCEL Federal Credit Union Successfully Launches Mahalo’s Thoughtful Banking® Platform - Business Wire](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPVHlKUXhzUWU5YVBhZzE5c1FNYktvMDdFVTlSc2Z6aFRTeGpHdkY5N2xiOUhMTTdyMDBxREtzTWJReVR0SzBHTjFJSy0tYmJvQWNvczg1WkZZRzB6bW9BZDVsenI0RDk1UERubjhMOTVoeHlnSmwzeFRrYlFUSlMxeXBYSnlOSzlLY1VEbHhick03TlNOTjVIY1lDaHp4LUszdlZmMExoYmVsZ1ZVcll3a1N4eEJRZFZTQnJBZHRidEozdkdPZDN0NHZEZmJUVDMzMUhDREZTNA?oc=5) · Business Wire
- 2026-05-31 [Neil P. Farrell Obituary (2026) - Latham, NY - Bryce Funeral Home Inc. - Troy - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQWFBqQlBDX3BJRHVKZzVCWDFuLXJuR0lBSWhFQjlKbGpDOEFBeGxyelM1TzhNUjBPakd2TEFOZFFTNFRxWC14NTFYamZqV1ZnaHJla290ZTVPMW44VDhWWnFBYlkyb0pPZjZFTGFrUGZmM0xmOHI2dDlMUE9EMXZYeg?oc=5) · legacy.com
- 2015-12-03 [Jessica Schul Named Manager of Hudson River Community Credit Union Troy Branch - Capital Region Chamber of Commerce](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNQmcxMUlWam1QNlBja1AyYW42dWVZVEE5eXlnazJOV25DUkJTN2JlOWc5SHNIcndZb0tQa09mX01GUzk0Y1dadnNCdWM3U2tUYnpoaEU5LXRWLVhZeW55dmVKTmhhLTNFaTBBMHRjLUVQcGRIZVlvN2FKQ0lSU010OUtFQWxuSGlpbGlPTVRnNk9qalZfLTVXdEYzSzBKNDRxVEpjZGxjaTJQYnNGZ0FRTmFhRHI2bzdu?oc=5) · Capital Region Chamber of Commerce
- 2024-05-21 [Upper Chichester police arrest New York woman with false ID and credit card - Delco Times](https://news.google.com/rss/articles/CBMitAFBVV95cUxQalNDZkw5VE02WERCZGVQUVB4SmdoaG12cHFkeEtna3JhWE9RV2JxNkt6MUpzangyc3VXbEpxT2pqRDU3VTNHOUc2QzhpQkk5U0l4b0MzSGoxLVlYRmxEZTFub0JCbWRZSHU5Wl9mRVpWelhoMkJ2c1VwQTBqQlFQaG03UkRTdWdhell6bkhzdGpzZVNBUHVTVkpFQl9JNDg3Tl9GdmNRTGpHaXF5ZUNJVHpvTkI?oc=5) · Delco Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15928 (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/56.json (key "15928", 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=15928
- 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