# ROME
Rome, NY · NCUA charter 1810 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/rome-1810

Who the members are: federal charter, community charter, organized 1936. 1,823 members of 30,000 potential (6.1% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $32.2M |
| Members | 1,823 (-2.0% YoY) |
| Full-time staff | 5 |
| Net worth | $3.5M |
| Net worth ratio | 10.9% (p22 of band) |
| ROA (annualized) | 0.16% (p30 of band) |
| Total delinquency | 2.30% (p81 of band) |
| Net charge-offs (annualized) | 1.13% (p87 of band) |
| Loans / shares | 52% (p42 of band) |
| Cash / assets | 52.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.71% (p42 of band) |
| Operating expense / assets | 3.59% (p48 of band) |
| Vehicles % of loans | 38% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.06% (p80 of band) |
| Vehicle NCO | 1.71% (p91 of band) |
| Repossessed % of vehicle book | 0.68% (p98 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 33% |
| Average share balance | $8,911 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $14,184 |
| Loans granted, annualized | $4.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 1 |  | delinquency 2x band, net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency 2x band |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | net worth falling, delinquency rising |  |
| 2018-06 | 2 |  | net worth falling, delinquency rising |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | delinquency 2x band |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | delinquency 2x band, delinquency rising | thin capital |
| 2020-03 | 3 | assets shrinking |  |
| 2020-06 | 1 |  | delinquency rising, assets shrinking |
| 2020-09 | 2 | delinquency rising |  |
| 2020-12 | 1 |  | delinquency rising |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 2 | delinquency rising | margin squeeze |
| 2021-09 | 1 |  | delinquency rising |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 1 |  | delinquency rising |
| 2022-06 | 2 | net worth falling |  |
| 2022-09 | 2 | delinquency rising | net worth falling |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | repo signal | delinquency 2x band |
| 2024-12 | 1 | delinquency 2x band | repo signal |
| 2025-03 | 1 |  |  |
| 2025-06 | 4 | net worth falling, delinquency rising, members leaving |  |
| 2025-09 | 3 |  | net worth falling |
| 2025-12 | 2 | repo signal | delinquency rising, members leaving |
| 2026-03 | 3 | net worth falling |  |

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

- 2026-09-09 [AmeriCU Credit Union Employees Spend August Volunteering Across New York State - thedailypost.digital](https://news.google.com/rss/articles/CBMirAFBVV95cUxPZmlISnNXa3Z0SXEzbjJYZ1FRWktTdW5BZ1U5dlg0a010QVJDU0ZXYk1UalVyMGdsR1RobExQcVhWd2RSTXp5VC1BTEpld0QtNVVHSVRPY1hjSDBuRlBDUzlsLXdLVGZUaHNLc0p2UmphWUc2bWZLM2dYRGlVUmx6NHhJTDlxR3c0TEY2ZWppVEM2X1BlRG1fd3RuekE4b3JUNnJsMk0zMXhNSmd6?oc=5) · thedailypost.digital
- 2026-06-22 [AmeriCU Credit Union eyes Capital Region for expansion - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxQRmVUcUF2VDZUWFE1SG1TWnhzVHBGTno1RXVyRU9iT0YxZUVmTnprOGtvSm1EU3Y4WXJUdVBWYlZGZGZFbXVLY29fcDdGQ1R0R3FsWlJlM2s1Rk9iTVhmdkRWXzhhTm5LeFd5RS1QZEFqSE93Yzk4a0RVdmprVy1LX1YzU2dPMHhCc1lNQ0dqNndQcXNV?oc=5) · The Business Journals
- 2026-01-05 [AmeriCU and Mountain Valley Credit Union Merge - wktv.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxOM3lxdUtfdGlLTjFmSEYzRWxGckRaOHpESFBXZkRRRGJNVnJzLXIyQjB2aHhWWTdOdjJwM1BjNDdsc0w4T2NzR2ZhcmlESnl1dEdQV08yUlB4SWhvci1KZ3lmcEdZN0dod1pwTFp0MHZMMlYwSTJXRUZTeGZmeFFvNHo4cVlucG9YemtxVm5nbVJZdkIwX2hiMEVndGdQdDdPMVNWQnBYd0xkM1FvMzhEUDJZX1kybWZSNmg1T3owamRtalVtZ0ww?oc=5) · wktv.com
- 2026-07-30 [AmeriCU assistant vice president inducted into New York Credit Union Hall of Fame - Rome Sentinel](https://news.google.com/rss/articles/CBMivgFBVV95cUxNbUF2Q2RIY05ROXpUTF9QenBVSkt3eGJrb2pRd0VybUk4c0UtLVBuNkYwaU1lVzU4Z08yUFh2djFoUktKb000b1FGV1Fza2JDb1p4YVl0TGFXR2JWSmlVTEVVNHlGdXpfdU5TZGVGcGdCZmI4VW41RW4yVmxwWFpzWTQ1WFN0UncydjM5T3NWTFBXMWJnNUN5Ulkta1FXN3dKSnVqdFJJMUFrUFZwODFjNFNWdVJ1UFdCXzI1RjFR?oc=5) · Rome Sentinel
- 2026-01-07 [Credit Unions in Three States Begin New Year With New Mergers - CUTimes](https://news.google.com/rss/articles/CBMingFBVV95cUxQNG1SUWtoMVZWNWFuUXo3aTFXbzFpcUt6QXBld2tEbS1PNDNRVjh4b3ZXX3BZZ1I5MVVhcFFBcjdITmxYTzNlRTAxXzNla1U1bUxzaXdxVjdmRUJ3UTdJcndEVFhqQTZtRXVPTWJmSi1KaWtwMElSdTNXRUZ2M0pNb1R4ZnN0UmpIRXJaaHVWQy0yRU00WlNrNmtsa3FzUQ?oc=5) · CUTimes
- 2026-05-20 [Six Charged In $1.3-Million Fraud Scheme Targeting Banks, Credit Unions With Stolen Tax Refund Checks - cutoday.info](https://news.google.com/rss/articles/CBMi0gFBVV95cUxONlFVdmtoV2RvM3lHNG9MaHlDRUVqYzZRVlNtUFJrYnNlNHlENXkwQlk5RWVIRV82cGVkRGEzUUJQbnFiRXljc0wzMU1MdVlUOHoyaHNmaVhmcGFjM2QzVERvRHRhR2JwdE1aNDJKSTRCSFFVZEhmc1VaZ0tBQnZ5ZTVESzVwcWRyZ0l0SlRtb0dJVG95dU9jc0lOZGFZX0NrcjBWcnRHUlUyN3RJMEhNazRLYjcyeGFNOG5oOGZidXY3R1BYN09aVUJFUVdPWjcyMmc?oc=5) · cutoday.info
- 2026-09-03 [American Banker Names AmeriCU Credit Union One of the Best Credit Unions to Work For in 2026 - thedailypost.digital](https://news.google.com/rss/articles/CBMivwFBVV95cUxQNFdpalRnWjBZYUprNVJtcU5KM05JbHNNWnZNODlabGZ0cktCcWtGNmdPTWdVZjZPa3BZa1cwcV9zSktKTlBLb2s5Y1Zwb0pjUE03UFZtX1VPdVVrQ1Ztc0hBSUR5b1RxelhBeGJnOHU2Z1FfTTRFSUVQSm11clpBeHF6Vk5vV3NYcE52Q3hIY05SR2QzNUtpVnJ0UE8xbFItS05WQWE4LURVcWE4WXgzRUhLX05GVnpUcXhkTGptRQ?oc=5) · thedailypost.digital
- 2026-07-21 [AmeriCU Credit Union gets OK to expand in Capital Region - Albany Business Review - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxNU1Z3TFBVSmFmU0lxZEJTaGFVajhOX2ctQUVmWEtfSE52OWRKdmlxNmFWbU9IRXlZcVZCRFkxSDVmYmZSUmZlbDNXcmllbjNWMjJyVzhZVW1DSG45YmpRTFExd1cxSDdXYnBZZ0pTaVpaUUotY1VIeFRXeGxZb3lBNHlSVzFfOWxRMU1UU0xTMnExcWw2Y0VubzBRYXc?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1810 (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/18.json (key "1810", 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=1810
- 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