# SUFFOLK
Medford, NY · NCUA charter 17914 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/suffolk-17914

Who the members are: federal charter, community charter, organized 1967. 72,569 members of 2,945,029 potential (2.5% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.07B |
| Members | 72,569 (-3.8% YoY) |
| Full-time staff | 190 |
| Net worth | $175.3M |
| Net worth ratio | 8.5% (p8 of band) |
| ROA (annualized) | 0.35% (p19 of band) |
| Total delinquency | 0.50% (p38 of band) |
| Net charge-offs (annualized) | 0.13% (p9 of band) |
| Loans / shares | 76% (p24 of band) |
| Cash / assets | 4.3% |
| Borrowings / assets | 4.59% |
| Net interest margin | 2.61% (p13 of band) |
| Operating expense / assets | 2.33% (p13 of band) |
| Vehicles % of loans | 8% (p9 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 42% |
| Third-party paper % of net worth | 124% (p45 of band) |
| Vehicle delinquency | 0.48% (p38 of band) |
| Vehicle NCO | 0.34% (p10 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 153% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 43% |
| Average share balance | $11,456 |
| Participations bought / yr | $0 |
| Participations sold / yr | $53.7M |
| Participations outstanding | $106.2M |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $47,941 |
| Loans granted, annualized | $363.0M |

## Participation posture (from the same filings)

Bought $0 and sold $53.7M in the latest annualized quarter; $106.2M outstanding purchased (60.6% of net worth), $29.2M sold and retained. Sold in 8 and bought in 6 of the last 8 quarters. Shares 4.7% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## 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 | 1 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | net worth falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | thin capital, net worth falling |  |
| 2020-09 | 3 | delinquency rising |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | charge-offs p90 | delinquency rising |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 1 |  | net worth falling, charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | 3rd-party paper>100% NW |  |
| 2022-12 | 3 | net worth falling |  |
| 2023-03 | 2 |  | net worth falling |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 4 | leaning on borrowings |  |
| 2024-03 | 2 |  | 3rd-party paper>100% NW, delinquency rising |
| 2024-06 | 3 | 3rd-party paper>100% NW |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | leaning on borrowings |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 2 |  | delinquency rising |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | members leaving |  |

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

- 2026-07-31 [Suffolk Credit Union opens banking center at Smithtown hospital - Long Island Business News](https://news.google.com/rss/articles/CBMiogFBVV95cUxQQS1lQTdJMkdoUGhIMDRNc1ZPeTZtcENrT2dzeFRxR25DUkFoOGFRaDA2QzV5SGl4ajFqVVVpejZsU3VDS3gwUG1SSVdFeXlKX29xVXp2NnZtSlVPbnpNN2s0RVZ4SHRrSGg4djNhWmY5RWF6MTdpS1ctRUFMcFctQ0ZBbEtQaC1TakxuVlpINHBlekVQRUhPUnRCci1OUHpNWEE?oc=5) · Long Island Business News
- 2026-02-08 [ICE agents return to the East End Sunday, drawing a crowd in Riverside - North Fork Sun](https://news.google.com/rss/articles/CBMingFBVV95cUxPaVE4OEpMZXIteFR4eHlBQ2N0UVpzb2pYV2J3aHEwMlY3bkRVb2tlNmtBQXVQaUxLVF9OYWpubkpLZTdPSEV2TFlCN2RLQ1pSMXh4aXpIY1hxUEI5VG5tcUNCalEyYms0UWtBYlhYQUVIbHgybkdWZ05hV1ZkaERpcjNybExFQWZ0eFNmdUJ4eVJ0NDkxeEVyRGdUX3U1QQ?oc=5) · North Fork Sun
- 2025-02-11 [Suffolk Credit Union Announces John MacAvoy as SVP, Retail Banking - Huntington Now](https://news.google.com/rss/articles/CBMilwFBVV95cUxPU3BEUzRycEllNE9YdmV6ZGdyckViVkJVNE0tcV9FTkZwSThPa1RRN1R6MW5FNGZfTjgtcDJ0Wk1Zck00WndCMTljMmhZeUxpNDNsY2NxRFpTS18yMmNHZ2tVcWs0QWFaQkRoTUNxbU9CVS1zWndYWGVzQ2xtRko5R1podERDZVhoMFd5THFWMEZVTVdrSUJz?oc=5) · Huntington Now
- 2026-03-10 [Deonna Purrazzo vs. Indi Hartwell Added To HOG Superclash - Fightful](https://news.google.com/rss/articles/CBMilwFBVV95cUxOajdEaUVpZHc3ZFJrbTJ2Z19jSmRzbTZPem9VWEFvMkoxTktzUGg0TnVxOERDX3ViTWROajI0YldqTnIwbkdOSU1ob3VCb1FNZ01KdmlzYzdINnl3b21RdkhIRWpJN2RNbEdMc3c2eVludk04LTBWcHZvRUVzQnZLSVNsLXNOYjJEV21GcXpHUkQxeEtra04w?oc=5) · Fightful
- 2024-08-15 [Suffolk Credit Union Proudly Donates to Paws of War - Babylon Beacon](https://news.google.com/rss/articles/CBMilgFBVV95cUxNbTFjdm9xSkNYUmRwdWdkMWVJRk1kbW12N0M0QmhDUWNRSmdmTG9Ba1BzZXFla1dId2lBenBJV21VS1lKWTdzNENQczM5T0hLYUpuRldUQVNEOXJVdUZBaGhlUDBHUmUyNEVSdXV3Q3RlZWNJbGtic3ZpMV9QUnVtOVE0MTJCSTdTcmJaOURCLW85NjNMYmc?oc=5) · Babylon Beacon
- 2025-02-06 [Less Than 1.5% of New York’s Banks, Credit Unions Service Cannabis Industry - Cannabis Business Times](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPcE9ESkVyajZicWplenQ0S1BYSGswTGVfbnFuSUE1Q2R6a3BqazRGTmZsREJyNkdVM2hHamUwZDJVVXVuUGpzSW5EaEFRcjVzTnNtQV9XYTRHWl85alFXd1Z1cTN5SDJlczQ5dVZsUXdqaERaY0V0VWJoUGhrSUxEY1IyQzFVRE5UckdpRXVuUUZFN1FSZVlMd1QycDZqT3lYQ1kxQnBHQk1TYzhnNU04SjZfUmhtQlJoQjBEdE9kRmxfaVhOVFo2eWVoR003VnZVSE14aGV1N3Y0QQ?oc=5) · Cannabis Business Times
- 2018-08-05 [Two Long Island Credit Unions In Merger - cutoday.info](https://news.google.com/rss/articles/CBMiggFBVV95cUxPdG9sN1Ayd0xQU1U3RTVEOHpQeE9Rel95elV1X2M3Y2J3eEFPc3RZZmxhMlZDUGhRdDZfbnVkU250U0hJeGdNR293VWdnOEJGcHF1SjBJcW9xeVFmZDlVU0Q5dERXVmx4bW9HUGpuYjh3dXRKYUJ5T1JyZkkzSUNqVFBB?oc=5) · cutoday.info
- 2026-04-17 [Michele Dean - Long Island Business News](https://news.google.com/rss/articles/CBMiVkFVX3lxTE4zRjA5UEtyTUZLX1pieFpvdElGd0NPVDFTVWFWTjZKUjY5ZlN5MTlaZ3VKdUY2R1dKaGN1ZW5HX2JsdlBBUVJNY2JxMUNqbTV4V096MHFn?oc=5) · Long Island Business News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17914 (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/58.json (key "17914", 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=17914
- 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