# GATES CHILI
Rochester, NY · NCUA charter 16236 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/gates-chili-16236

Who the members are: federal charter, community charter, organized 1964. 2,222 members of 20,000 potential (11.1% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 77.

**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 | $31.4M |
| Members | 2,222 (1.1% YoY) |
| Full-time staff | 6 |
| Net worth | $2.3M |
| Net worth ratio | 7.3% (p3 of band) |
| ROA (annualized) | 0.54% (p48 of band) |
| Total delinquency | 0.25% (p34 of band) |
| Net charge-offs (annualized) | 0.09% (p58 of band) |
| Loans / shares | 45% (p31 of band) |
| Cash / assets | 19.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.75% (p44 of band) |
| Operating expense / assets | 3.36% (p43 of band) |
| Vehicles % of loans | 60% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.29% (p44 of band) |
| Vehicle NCO | 0.38% (p78 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 93% |
| Certificates % of member funds | 1% |
| Average share balance | $8,370 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 77% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $7,606 |
| Loans granted, annualized | $5.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, capital below 7% |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 1 |  | capital below 7% |
| 2016-12 | 3 | capital below 7% |  |
| 2017-03 | 5 | net worth falling, members leaving |  |
| 2017-06 | 5 | delinquency rising | net worth falling |
| 2017-09 | 2 |  | capital below 7%, delinquency rising |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 5 | capital below 7% |  |
| 2018-06 | 6 | net worth falling |  |
| 2018-09 | 1 |  | members leaving, delinquency rising, capital below 7%, net worth falling |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 2 | net worth falling | delinquency rising |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 6 | capital below 7%, delinquency rising, members leaving |  |
| 2020-09 | 4 | margin squeeze | net worth falling, delinquency rising, members leaving |
| 2020-12 | 5 | losing money |  |
| 2021-03 | 6 | net worth falling |  |
| 2021-06 | 4 |  | losing money, net worth falling |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 | delinquency rising | margin squeeze |
| 2022-06 | 3 |  | delinquency rising |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 5 | net worth falling, losing money |  |
| 2023-06 | 7 | delinquency rising, auto monoline |  |
| 2023-09 | 3 |  | net worth falling, losing money, delinquency rising, auto monoline |
| 2023-12 | 5 | delinquency rising, assets shrinking |  |
| 2024-03 | 5 | auto monoline | delinquency rising |
| 2024-06 | 5 | net worth falling | auto monoline |
| 2024-09 | 5 | auto monoline | net worth falling |
| 2024-12 | 3 |  | assets shrinking, auto monoline |
| 2025-03 | 3 |  |  |
| 2025-06 | 5 | delinquency rising, auto monoline |  |
| 2025-09 | 3 |  | capital below 7% |
| 2025-12 | 2 |  | delinquency rising |
| 2026-03 | 2 |  |  |

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

- 2026-04-10 [Ernest W. Pollman Obituary April 10, 2026 - Mitchell Family Cremations and Funerals - mitchellfamilyfuneralhomes.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE16R2VTTzNiOVMybFVMTjUwd0tRYlM1MXllMWUxdEhYdE5KM0NNTEJXX2o4VHU5eTNVLTBlbDBTaS10Ull2WVVTNTJCZURBa1k3ZlNTWVAxcllta3oyWEdFLTdrWFZZVFp5bWVtRG5ncW42SjhNTmZZ?oc=5) · mitchellfamilyfuneralhomes.com
- 2026-04-17 [Obituaries for April 17, 2026 - Westside News](https://news.google.com/rss/articles/CBMihAFBVV95cUxOSDlacmVBT053TnV4ZnZob2hVT0tYZWlaR0JiSm93WVA4bFMtXzB6V0ZvNGJwbEI3OUg5eFltSlVHLWR5Y0Z4elpiaFg5NlN6RlNDNm9xTWQycWNoMjk1V3plSDd6VmdFOGIzOVBoTVAzRXVEUG9HRjF1R1J5MVNRb0ZWa3M?oc=5) · Westside News
- 2026-02-11 [Arthur William "Art" Thomas Obituary (2026) - Webster, NY - Miller Funeral and Cremation Services, Inc. - Rochester - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOQVE3YWQzU1dNTnJBaGhUX2hSSFpCMWMxc21vUVliOEV4dERhRHZfbkZQWElZM1ZPRng4VVNHTmRUNU1ScFE3aEUteEhqd0tFUjE1ZVF4MUtTYWtnMXBiR04xTkxXNmpKWC01YmNqQ0JyUG9xcEdqdVkyNVN0bllfeHZn?oc=5) · legacy.com
- 2013-05-30 [Football Great Jeff Wittman Elected To College Football Hall of Fame - Ithaca College Athletics](https://news.google.com/rss/articles/CBMib0FVX3lxTE1fN0RETTJXSWxEYkFWRnIyZURVWklWYXR5MmdIamFKWnpnY3NTTnBUWmtwQTdVWVgyanp2OHNiRGVMUGx5ZHhJc2EtbkE3SFBPSVNBR21OQ1JMS3VVdlpRbU5iaTFZb3M2aFNXbTJQYw?oc=5) · Ithaca College Athletics
- 2009-07-09 [Lavrynenko Named Associate Head Coach at Rochester Institute of Technology - Indiana University Athletics](https://news.google.com/rss/articles/CBMisAFBVV95cUxNMjUyNTlzeGNheTl5VEp4ZzdxV2VKYVctZ3A0dHk0dXZ1LUxmQWxpZFZUQ0RCY3lMbFA1VXdzT2U3dlNWM1FjOVFLQkFsX29OdjNoMUQ1NnZmRVFwU2c4Q1Vnb0haSGx3ZEp2dlZqVGNCcEhoNDBHTGlzMzFKUGxjUGIwYy1uY0VubkZCcUhMWEZqQVlGOEN2X2JyQkVqR21NbGljQllqVmhLTy1GSVNyNw?oc=5) · Indiana University Athletics
- 2021-05-07 [Parina receives inaugural Community Champion for Public Education Award - 13wham.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOaVVjQmVrN05ZOVdFYTRzeVZTS1NVU1F0a2VtZFZ3emJHWVJjbnhObHBuaEl4TnU0Z3pBQ00zZXVtUk9XNjZmcExUcFRYUTVFRjEzSU8wS2wyNnFjMGF1czF0U3FnVTM5R2VSckNMekY4VjdTejhaVWhRaWUtQXN1YVVUZFBQdWpIYjZ2cUpiMF82UjJVTllSNF9OcTI?oc=5) · 13wham.com
- 2019-11-06 [Rochester Police Department lieutenant Jeff LaFave named Gates Chili boys basketball coach - Democrat and Chronicle](https://news.google.com/rss/articles/CBMihwJBVV95cUxOM3ZJYm5MQ3ZraVEyejhyaC03UFRUalBsVFNUaUFoMlJxRGtZWjcycHFRVEUwTDFXM1h0aENJNHo3SDJoeUVUaFNXZWFreXFJRzVKd0pfNHhQOXg3UnZKRl90LXlPbFlsNHp5RWxiaG1XUDVpbDJyU3NnTzJsU2lxTGtNS1RSR3F6c0VpS0o3UUlENEE3aEU0TWpZaW5nc0lsNGt3LXZDZVB0ZVFEMDRzZk02eVE4YWVrWGl3QVdlR3Z5cTZScjF0MjNsZmRyU0djTHJadVYtdVZMT1dMNzJmRWxjWmt4bW5YSW9FSFhZSVFNRGVGSnhxUVR0TEN2ZEhQMlEtdnljRQ?oc=5) · Democrat and Chronicle
- 2021-12-10 [Joseph DiCamillo Obituary (2007) - ROCHESTER, NY - Rochester Democrat And Chronicle - legacy.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQZGprVElGUDU0YW9WVFF3WHllaFlCdlM3Q1g2Y2JvTHNVcW9ENGdSMTdaMk9ma183Wjh0WVlQSzBzVkJ0SW50NERqSjYza3B2eU04WUtNTGlFRmVCZEFvdWM0Q05HbVptS3E4RnhZaHhFa0VrMmlnNzltanVHaXRTaEUyLVJ3VWM0UmFlVTZJaTk5TDNZU1BjTmp6Yk1OUGVWb3c?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16236 (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/44.json (key "16236", 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=16236
- 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