# CANANDAIGUA
CANANDAIGUA, NY · NCUA charter 16176 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/canandaigua-16176

Who the members are: federal charter, multiple common bond, organized 1964. 1,969 members of 10,000 potential (19.7% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 67.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $28.3M |
| Members | 1,969 (-5.5% YoY) |
| Full-time staff | 5 |
| Net worth | $3.3M |
| Net worth ratio | 11.5% (p27 of band) |
| ROA (annualized) | 0.69% (p56 of band) |
| Total delinquency | 2.81% (p85 of band) |
| Net charge-offs (annualized) | 0.25% (p67 of band) |
| Loans / shares | 41% (p25 of band) |
| Cash / assets | 52.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.12% (p22 of band) |
| Operating expense / assets | 2.96% (p31 of band) |
| Vehicles % of loans | 41% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.68% (p76 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 9% |
| Average share balance | $6,504 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $7,302 |
| Loans granted, annualized | $2.6M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

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

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

- 2026-05-25 [Owen Z. Smith Obituary — Lyons, NY - Finger Lakes Daily News](https://news.google.com/rss/articles/CBMidEFVX3lxTE9iX293NEhheFRjUGlTeEczZHVTVDNEOFFFdW9QNFBOT0VXeFhtWl9hMHhxUkUzSXRZay1RbmJqTUFGX2M4VndUQkpmNmN3b1BYYlhSbUZiMGxoaHpPVVlZOGlVamhBbDl4NUpBNTRCdVF0TmJ0?oc=5) · Finger Lakes Daily News
- 2026-06-01 [Luke Bryan Setlist: Get Ready for His 2026 Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMia0FVX3lxTFByb1kyWF9wSEhJaElfRFhpUTlLcGNKRU5Sb1N0M0JJQ0pYUUs0OEhkM3FSaFJGMnJPNWhWd194VkFHb3QzR3pjZXRFSGxFZzVOS1RsN0pjbjhpSTVPX1BOemRvUzVBbTlMZHk4?oc=5) · Ticketmaster Blog
- 2026-04-10 [CMAC adds country star to 2026 concert lineup in Upstate NY - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2025-08-18 [Mayor Evans thanks Canandaigua National Bank for $50K gift to R-Future Fund - City of Rochester Gov (.gov)](https://news.google.com/rss/articles/CBMipwFBVV95cUxPZklPMkxDUTNEOWxnMnlxTWIyWTYyb3JaSk5ZYlM1RHVRLU1RX01yUi1BZnVkUUthaU9PYThNQWhtbkdySDN4S0R6ZzZMS2ZwNkFHZ0ZZTmhrX05SOUZtYnRmbUNINDZFLTc1aEFCS1pjdHdLYjZONkhtM2ZoNGFvUEZWLTJId1NpaTNSMG55UGNsN1hOUV8tRXdvZ002WXZLd2dWTTFFSQ?oc=5) · City of Rochester Gov (.gov)
- 2025-10-24 [Maggie Lunger hired as mortgage lending manager for Reliant Credit Union - CUInsight](https://news.google.com/rss/articles/CBMiswFBVV95cUxQcDVQQlZvMlZXb211UEdxTTBKeEJfMWxtSUloZXJGZFJCNkhVX2tqTm5FX2lBNjhUZjhXM0MzR3dVSDBieW9HZ0xnSW5JdTE0OVF1Y1hqQjRHX2xtTFIycDNwRUtONVF1T0N3NXRMY0xmUDJFMFR3ZDI0R09Fd3VUT3BUdkdaR0xZblVtajVjN0p0TVdVQ19oVzFRSzZkNG1nZFlLRC1rS0ZZdWY4OU1MNnd0NA?oc=5) · CUInsight
- 2022-03-10 [The Canandaigua Campus of VA Finger Lakes Healthcare System is undergoing construction and highly anticipated renovations! - VA.gov Home | Veterans Affairs](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNQ295dlBCV3lWeEhLb2RyME8xaFpJUkczZnp5LW9icFc2UV9lMnFZME1DdTdvcFo1am56YW9ILWozcG5TbzVQTFgzR0ppOG03QWRmZk1LLU1MSDVSWFpTRkZieHplS3ZvTTdPd2NMWlRMa01nUTltUE9IYllOaGttNzNjdXJWRWNjT1ZjTndNcGx6aGlkMm5ISEl2UzFnY21faExXdmpYZVA5bzlJMDVwVnZobERxN1J4TThHb24zRWNDN0hJdkpzTjBZbnp6YkI2RjJCWTl5MWZyb1pNRW9VcHRIOVZqbTlNWkVuZXpvRlBVZTgy?oc=5) · VA.gov Home | Veterans Affairs
- 2026-03-05 [Canandaigua woman found guilty of using employer’s credit cards - Finger Lakes Times](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNVFBmVUI4ZF93ZHlId1VwRlo0blVDa3ctZ1Z3TlI0NHBMZHJJNFAxSDRlSTQtY1dPaGVHOW1JSnFHZEowcjktMnNNY0QzQWVEaUVFTG5fQmhsVWFMVXR3V0luZjBNVHctOUdZVHZjcWFKcURHMGwwVE1Ha3k4VS03TmxSMURFSWx4d3BRYzg4R2UtZTJLUHgzbFNfY0xBdEo1bklmalpSRnZlRWtvRWdmSFdCRU1yNFQ2cjcyT3p6VGZKYmUxUHFQUHE1TnBQVlZNNUI5NmxERFVTQQ?oc=5) · Finger Lakes Times
- 2026-03-10 [John Fogerty Delivers List of Live Legacy Tour Dates with Steve Winwood - Relix](https://news.google.com/rss/articles/CBMiowFBVV95cUxPM01NYTlKWjB6a0l6QVdsVXRIcDFCSVBwSThDZXFzVTcwbVEtRzc5b3kwYWVKU21vTDc2S01oT2t4MzREanRpQXRHT2dINUpiVk5saXAzUjh3MWpacXF1TFZZMUs0NWZkMEJHTWg0bzBLWVhKYTJVZkQ3aWx1d201OHF2cG1VUGxxN1lKS3c1WFMyalctM2xmVlc3bmdFSHo0MjJF?oc=5) · Relix

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16176 (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/48.json (key "16176", 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=16176
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide