# LOCKPORT SCHOOLS & COMMUNITY
LOCKPORT, NY · NCUA charter 17372 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lockport-schools-and-community-17372

Who the members are: federal charter, community charter, organized 1966. 1,689 members of 10,000 potential (16.9% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 54.

**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 | $26.4M |
| Members | 1,689 (1.3% YoY) |
| Full-time staff | 4 |
| Net worth | $2.3M |
| Net worth ratio | 8.6% (p8 of band) |
| ROA (annualized) | 1.26% (p79 of band) |
| Total delinquency | 0.02% (p19 of band) |
| Net charge-offs (annualized) | 0.35% (p70 of band) |
| Loans / shares | 62% (p57 of band) |
| Cash / assets | 33.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.87% (p50 of band) |
| Operating expense / assets | 2.86% (p28 of band) |
| Vehicles % of loans | 44% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.03% (p33 of band) |
| Vehicle NCO | 0.15% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 10% |
| Average share balance | $7,815 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $16,656 |
| Loans granted, annualized | $3.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 | thin capital | losing money |
| 2016-09 | 0 |  | thin capital |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | thin capital |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 0 |  | thin capital, net worth falling |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | thin capital, net worth falling | delinquency rising |
| 2018-09 | 0 |  | thin capital, net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 2 | thin capital |  |
| 2019-09 | 0 |  | net worth falling, thin capital |
| 2019-12 | 2 | thin capital, delinquency 2x band |  |
| 2020-03 | 5 | net worth falling, losing money, delinquency rising, charge-offs p90 | delinquency 2x band |
| 2020-06 | 4 |  | delinquency rising |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 2 |  | charge-offs p90 |
| 2021-03 | 2 | margin squeeze | losing money |
| 2021-06 | 3 | delinquency rising |  |
| 2021-09 | 2 |  | delinquency rising |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | delinquency 2x band |  |
| 2022-12 | 1 |  | delinquency rising, delinquency 2x band |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 4 | net worth falling, margin squeeze, delinquency rising |  |
| 2024-06 | 1 |  | net worth falling, margin squeeze, delinquency rising |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 2 | assets shrinking |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | thin capital |
| 2025-12 | 1 | thin capital | assets shrinking |
| 2026-03 | 1 |  |  |

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

- 2026-02-25 [Lockport High School student-run credit union offering hands-on experience - WKBW](https://news.google.com/rss/articles/CBMirwFBVV95cUxNcVFKVlRscjhzQjdWYTJrMmd6QmU5RlpoZmFoOTRTSTNUdlNjUWMwMXVEWXNOSXRZOTdfUHJtWWI3YU5qTXJXYU8weG9VRnFyWjF3YVBCQU5EOVJCOUN4UGpwR0tyZ0ItZmdxZ3VvV3k5dlRWRlFqVU03eHhuMU9zOThzWm5UcGgtekh2VFZIOTlyVHo0dURGTlY3ODN0VENnVW1QYi1aZmtwN0VsLVc0?oc=5) · WKBW
- 2026-02-24 [Lockport HS opens credit union to promote fiscal education to students - WGRZ](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPdXBvbEtyaFhiZk5zSVdzRFU4QTdNdFBaQ2NacEItRW80cWs0ZlFmeDV3RGxteDZ4dEo2YVNDLXhEdW1RVF8tdjNWQXVtd2d0dHA3UEg3b3o0ei1SWUpRZFRNV01uVkZROWRUMUNTNjNUVmxhQzFGYk1SQTZqclU3dmIzdG1FQ2FTcXZOZW9hekl3T055TGRBMktVSjJnejBQYS1yMTVfZHpyM25kVk8yQTRvLVRNb05NRVhYbmI2Q01KbVpnY192ckltaUVVNDVIdEdTV0IxMDI3Skw5TUc4LVlGOGRfR0szN3liUjZmUXdwck90QlE?oc=5) · WGRZ
- 2024-07-26 [New Construction: Aebly & Associates, Hilary's House, Lockport Schools FCU - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxPazZLR0I0VXBIMVBDWHl4djAyWjZtdFVfRXlpVFVXenh0RGowWkZOUUktTHd2a21EQllqeXg1NjVWak5YbDd4R0VBZk81NUF3N2JJWlBEZ0xvelRlTVUzVVRuN3Vhb3doeWZ0MVg2azhqN2RBOVkyTno5VHdsQmw3aS1JNW56MW1hX01GWUc5Q1Z5dw?oc=5) · The Business Journals
- 2023-11-03 [Mergers, expansions mark busy year for WNY credit unions - Buffalo Business First - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNT2pmcm1XN1dsTVRWV09aZVhzaWpEb29iTWJtNUo5ZEdSV1FuSlU3Q2hXX0VWaUFNTUhKYk04X2JNNk9PaFUtWFVaLU9ZWjh5TVVPOUtIV1NtbXlEU1poMnRLM1NrWlJxN1B0VUdpTWlvT29raXBSNEJFZVVqeGlkOEZld19QVWZDSWFySDNCTVVXcjR3bTdJdjNlZVhIQ3p4ZUsxWFp3?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17372 (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/28.json (key "17372", 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=17372
- 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