# SUMA
Yonkers, NY · NCUA charter 16360 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/suma-16360

Who the members are: federal charter, multiple common bond, organized 1964, low-income designated. 9,588 members of 15,000 potential (63.9% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $460.9M |
| Members | 9,588 (5.0% YoY) |
| Full-time staff | 38 |
| Net worth | $56.6M |
| Net worth ratio | 12.3% (p64 of band) |
| ROA (annualized) | 0.57% (p41 of band) |
| Total delinquency | 1.54% (p92 of band) |
| Net charge-offs (annualized) | 0.30% (p42 of band) |
| Loans / shares | 81% (p67 of band) |
| Cash / assets | 12.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.41% (p4 of band) |
| Operating expense / assets | 1.96% (p3 of band) |
| Vehicles % of loans | 4% (p1 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 2.26% (p96 of band) |
| Vehicle NCO | 8.32% (p100 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 70% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 144% |
| Core shares % of member funds | 29% |
| Certificates % of member funds | 47% |
| Average share balance | $19,881 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.7M |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $76,728 |
| Loans granted, annualized | $68.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.7M outstanding purchased (4.7% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 4.9% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | net worth falling |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | charge-offs p90 |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 5 | losing money, repo signal |  |
| 2018-12 | 3 |  | net worth falling, losing money |
| 2019-03 | 2 |  | charge-offs p90 |
| 2019-06 | 1 |  | repo signal |
| 2019-09 | 2 | net worth falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | net worth falling |
| 2020-06 | 2 | delinquency rising |  |
| 2020-09 | 2 | net worth falling | delinquency rising |
| 2020-12 | 3 | delinquency rising |  |
| 2021-03 | 3 | charge-offs p90 | delinquency rising |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 | delinquency rising | net worth falling |
| 2021-12 | 2 |  | delinquency rising |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | net worth falling |  |
| 2024-03 | 3 | losing money |  |
| 2024-06 | 2 |  | losing money |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 1 |  | delinquency 2x band, delinquency rising |
| 2025-03 | 2 | delinquency 2x band |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 1 |  | delinquency rising |

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

- 2025-01-13 [SUMA Federal Credit Union announces strategic leadership transition: New CEO appointed as President continues to guide organization - CUInsight](https://news.google.com/rss/articles/CBMigAJBVV95cUxNaEZfaXB2dkswSmJGeVdSVmRVOXQ5SG1qekVIQ3YxWHJnUXlQc2UyYlVqMG8tSF94VU1RM1Z0NWtZRy1sVXh0ZG9jRllHcDNYenRwSVMwa2lqUkc4TzNRMTdRTC1nY2MtSkFEdWhseER5SzBrTTFXX3ZTTEpwTktQYTRaUlVrRGJoUHNSLVR6aGZiRTQyZkJJR1lvSmFzcHlxUUhDMWNya0FrNWpYbWFrTUZqdUhvcUVRVnFIUzZ0dzd5S1RQUW1pY1NHREFLeFMxRkVpUFhQQXZXRXBRMVFkaWFpejF6bWV4UTUyMW5xbFlJeDJjX0U5Wjg5Mk1OaHdG?oc=5) · CUInsight
- 2023-12-22 [70 athletes, organizations inducted to Ukrainian Sports Hall of Fame for 2020-2022 - The Ukrainian Weekly](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPb09STEZGZ1A0WEVpd2Z6RjVWb0hnZUt5VVZxQ3NwTWYxY1dWSWloLXpodkVpOGplOTJockRhVFpONklKQ0tveE40Z1ZCVUVWZkYyX1hWSHhHUEs3UGFVaHRfMUZ5ZFM5THN4eF9iN0ZVbUtlWG9wMjg5RENmZEhfMTlwOUpXUlBCMElWMXNFdGNTNUxvTGZ4d3lRbFdNQ0pvaVVnbmllMW1DZUJFRHZNcmlldE44TGg0?oc=5) · The Ukrainian Weekly
- 2026-02-05 [Bohdan Kowalyk Obituary - Yonkers, NY - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOaklQOUx0N3kwYUkxUjd4ZnVwWTcwQjZ4TER5eTlOSDJOeGNicEYya0g2N3hscGV4TkVaOFR1eXU2aktXc3p0Ri1iZzlOalo1dDF5dHFBMkFIMzc4bTdjMkttRjVOTWktMkZpNXdMYnFBbWt4M01CNHVGMTdzNHRYaWRCZw?oc=5) · Dignity Memorial
- 2022-02-25 ['Constant stream of stress.' NY Ukrainians in anguish as Russia invades Ukraine - Democrat and Chronicle](https://news.google.com/rss/articles/CBMi0wFBVV95cUxObUtVSjZSRkRyV0lfRmVrU1pxR2dSZU5MeUtjejU0NEFmVjJiX0ZwOHY1b2pOWVI3U05DTnA5Q2lGYzAwdDJnU2UtNjdhODU0UDBTNUQ4WFNkeHJOMldYMmFXalB3TUd6TUpvVTdFZDdJX211a09UQUkwRUNmZVFRbllVUXctZVc1Q3otOEhTZzMtbDB6VFVUVFplSnlSZHBiVm16a1ZIZzBlbTMtVlctelNYRkIzblFmdHlaenUtSm05N1ZiSUwyOFVaNU5RZ19EaGhF?oc=5) · Democrat and Chronicle
- 2019-04-02 [Peter Barna Obituary - Yonkers, NY - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE1rUnRWam5LUVhOb2xidHhQUFNlWm03UGtkbWNjZDNkcTczYlZKbTdOY1NUcl9lU3BubWFPNGhZUHl4UHlTMktuNHpIYmlzX1JiZ3FtZS0xYVZ3N25oZkVTaURoQlhoa2NZenl4d3I4cEM5TXZkaE5yVkFaOXVjUQ?oc=5) · Dignity Memorial
- 2004-12-12 [ROMAN HLUSHKO Obituary (2004) - Westchester, NY - The Journal News - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNaThNQVNBak1sTGZXc0UweUNocmtDLXpmNVBUcDdwSnRlajBmRjZYUGtZcGFheHFNU0duVnQyYnpIc2VlTEVVNTBPWmhYTUdqOVNVYUtEZElUVHhBYzlUbWhrX1EtU0lzdHNvSk5fcGp2Vm5ocUEwd3lmT09vaVhVR3paVktvQ3cxZ2c?oc=5) · legacy.com
- 2022-02-25 [Dmytro Ivasutyn Obituary - Yonkers, NY - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxOemNlb2ZRd3VfQkdaRlBXWUhNejVXLXhsdGJFaUlXblE3R3doc3lpX0dqYWc0b3IxVTZrQnRDbWhlVjZTc0lDa3VCc2VUMGlMY0x6VmtOc050OWlHcnNzWEx1cl9EX09EZVUtRnZjYkF3cjFacnE4Q3dyM0s4emQzamJrQmM?oc=5) · Dignity Memorial
- 2005-06-23 [MARIA MOTRUK Obituary (2005) - Westchester, NY - The Journal News - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNZEJsT25ob1h5aXFGUHA0UHNlMEhTaEVpWVFhVzJBVXJZcGh5S3NhcnRMY3lRcTVPTGhmNzRrdU9wYXFEMTZHU1JxUzQ5TTRjcFZ0RnJQNmdkcnhQZUNvWHdkaGx5VzlvNEJIM2dOejFCLVF3QXdGTUFFNDRUSmdyOVI0LXdXRU1s?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16360 (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/40.json (key "16360", 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=16360
- 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