# WESTERN NEW YORK
West Seneca, NY · NCUA charter 16042 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/western-new-york-16042

Who the members are: federal charter, community charter, organized 1964. 8,789 members of 950,622 potential (0.9% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 54.

**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 | $93.1M |
| Members | 8,789 (-4.5% YoY) |
| Full-time staff | 16 |
| Net worth | $10.4M |
| Net worth ratio | 11.2% (p33 of band) |
| ROA (annualized) | 1.21% (p76 of band) |
| Total delinquency | 0.46% (p41 of band) |
| Net charge-offs (annualized) | 0.25% (p50 of band) |
| Loans / shares | 56% (p42 of band) |
| Cash / assets | 35.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.62% (p49 of band) |
| Operating expense / assets | 3.50% (p47 of band) |
| Vehicles % of loans | 52% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.39% (p41 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 10% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 12% |
| Average share balance | $5,680 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $9,720 |
| Loans granted, annualized | $8.8M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 1 | net worth falling | delinquency rising |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | members leaving |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 | thin capital | members leaving |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 1 | delinquency rising | thin capital |
| 2023-12 | 2 | leaning on borrowings, auto monoline | delinquency rising |
| 2024-03 | 0 |  | leaning on borrowings, auto monoline |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | loan book shrinking |  |
| 2025-06 | 1 | delinquency rising | loan book shrinking |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | members leaving |  |

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

- 2026-03-11 [UB, Broadview Federal Credit Union announce new $31 million partnership - spectrumlocalnews.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPZ1lrOXg3MjlPN1VlU3dsemNpTVd5ZjJEbnBibmxxanBaay16MTNhNlYwNWp5Rko0Q1dVSUgyNGJFTE5BUGltNjB4U0F5ZWk4Qm5ETmt5OHVrNGF1Wmd5RzdmNFdzSFJsamJaWk0xR1YxcFdURmtacHYzU1hsNFBzeFBGeFNRTXpqMlRsUlBWb2trWWVhSnUtYmtBS3dTWGFMekZYWFpjOEY5aGhqX29taTFDejZueFpMeXh2Y1VxcE56MXl1eGxxZQ?oc=5) · spectrumlocalnews.com
- 2026-08-17 [Power 200 Women: The complete list for 2026 - Buffalo Business First - The Business Journals](https://news.google.com/rss/articles/CBMigwFBVV95cUxPMUlKTWYzMTNycW0xc0N1ZHgySXpsMVlhb2JLTDhmcGhyZEFHWVRSOFlhZHlwNURjZ2xsUGtaSTljS2NUdk00aWp2NU1kTDUxSnI3bXBlc0ZpNjF2OXNIU3QycnBBNmxQMW96VlBOWW5tS3VnWmtpZ1RKN1NqZHZTdDB0Zw?oc=5) · The Business Journals
- 2026-06-08 [Broadview Federal Credit Union Names Roswell Park Community Outreach & Engagement Center - Roswell Park Comprehensive Cancer Center](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPTHNvN2JuMjg4QXdYU0lSamlpTVg4T2RDUEdwbkNPVEE5dm43OWsxOGxVWUNGbVlrUHBDVVFUWWpvclNudWoteW1weFBkTnhlRi1SVy15VXVJdUdMTU9GUXRHYXB3ZkdRcUF0WlF4Zkp6UzE5MjZLTmVJTXRWOFB4d0ZjYlRLV3hIbDZfUDhpNHBaTENEMlZ2Q3lMRlFBd3ZpWDBJaklQQnc1YmZVYzJnS1FRM1Q0Yi1yTFZsOGpMb0I?oc=5) · Roswell Park Comprehensive Cancer Center
- 2026-04-02 [A N.Y. Restaurateur Used a ‘Catch Me If You Can’ Banking Trick to Pull Off a $20 Million Fraud - inc.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxPdjdLTnFnWUNGRV84ZzhKMDA4b2xlamJwb0NtZ2pwNE15VmVkNFEwaGl4NkRKanBWWHNHdnEtbDd3M0VmcklSMVRSaENtaC1vcGNPeUVsMUxXa0FWWHFRdTFLTm96UkhTaHpDNnk4MFBaVHFEM29Ib3p5R2pTWUhDQ1poT0JiUUpkSGdmay1jVUoyallWN0FZd05scV9SeVdmaWRJazY4aENBR0p4TXRYbHlJZDNJcjl2encxN3VCTzcxNFN6WDZhbm5EeTM?oc=5) · inc.com
- 2026-03-24 [Power 250: Day 2 brings you Nos. 200-161 - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxQTmI2U3VQWEluMjVNdGRPWDhEMHctbVFKbVJxUkhscXZhSDNTaTJRVF9ibkktNWMyTHBJUVU2QWk5VWdpOGpJbkdTWjZlQ1FUNlYtaXZpTkdrMXdfNTZSXzZ5OWFBeVhrcng2a3hvaVM1VG5oazlSbC1LWjNfVDhBZlJCOHZyVFFrdzU0Q2tmR1Z5UmItaEpMcQ?oc=5) · The Business Journals
- 2025-04-16 [Business news: Alco Federal Credit Union listed in top ten fastest growing in Western New York - the wellsville sun](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQNk4tdU5jQ20zaUVHSkdwRTBwVkdqU3FXazAwQVpCbWdONjgxWktWSHU4Q3p4QjFpSWx3UzhNR3lWZUNxMVJpaTlnRXY1d2I3aVNwTjNKWWdBOHQtbWFHd2JtLXYwQV8yRTVpbzdHU1p6YnRoV3hyZHBFWHhMbnpud18zVFJmUGl6SmtJU21wT1MxRk1WeG1qT2pNcDFoNHFYUWxPczJnNVY0YjdXeExFbFpHbGRyR1hDbm9hcDBWMVRuMFJ2MTlaMVNhbDdFT0hSWUE?oc=5) · the wellsville sun
- 2025-02-06 [Less Than 1.5% of New York’s Banks, Credit Unions Service Cannabis Industry - cannabisbusinesstimes.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPcE9ESkVyajZicWplenQ0S1BYSGswTGVfbnFuSUE1Q2R6a3BqazRGTmZsREJyNkdVM2hHamUwZDJVVXVuUGpzSW5EaEFRcjVzTnNtQV9XYTRHWl85alFXd1Z1cTN5SDJlczQ5dVZsUXdqaERaY0V0VWJoUGhrSUxEY1IyQzFVRE5UckdpRXVuUUZFN1FSZVlMd1QycDZqT3lYQ1kxQnBHQk1TYzhnNU04SjZfUmhtQlJoQjBEdE9kRmxfaVhOVFo2eWVoR003VnZVSE14aGV1N3Y0QQ?oc=5) · cannabisbusinesstimes.com
- 2023-01-18 [Community and Advocacy Organizations Applaud Final New York DFS Regulation to Cap Check Cashing Fees and Tighten Rules Regarding Future Increases - Consumers Union](https://news.google.com/rss/articles/CBMiowJBVV95cUxOSXpGSjhmSlFROU5FVVc1U0p3REV1WmlOMFJ3cUZVcTRMTHV2V2pkdUhZSmZkeUJ3M0tFVmJPQlFHdzE3ZDFJbzJDNDRrUnp0Q0NiRjZZOTRUNVJzQmp1ZkpBd0RyWUl5d1FRX3B1MmFvZG5BT3RyaFUzSE5tN2VfUUFtMWMtZUVCblNMNGFYbU9hb0RIeHBQYm1lcWpOQkxrdXRXRjNCeUxzQ04xNVBwaWdqOE52cllIVDczaVpIYTRzdXU5clNXYUNVakRVWlJ4eUtVTmVmR21MRVdJbVY1aWNieTZ0Ykg5SjNBUDBlUkdvM3REUlpabzRMQ1drbnBsOXFKbGhSUjZ5S051SHhsd1F6SkpreHFsbDRXOUhCZWx6QW8?oc=5) · Consumers Union

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16042 (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/42.json (key "16042", 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=16042
- 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