# PITTSFORD
PITTSFORD, NY · NCUA charter 19085 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pittsford-19085

Who the members are: federal charter, community charter, organized 1968. 21,183 members of 217,287 potential (9.8% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 41.

**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 | $544.7M |
| Members | 21,183 (4.7% YoY) |
| Full-time staff | 56 |
| Net worth | $63.4M |
| Net worth ratio | 11.6% (p69 of band) |
| ROA (annualized) | 0.62% (p50 of band) |
| Total delinquency | 0.12% (p5 of band) |
| Net charge-offs (annualized) | 0.03% (p3 of band) |
| Loans / shares | 73% (p30 of band) |
| Cash / assets | 17.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.62% (p6 of band) |
| Operating expense / assets | 2.25% (p7 of band) |
| Vehicles % of loans | 9% (p9 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.12% (p5 of band) |
| Vehicle NCO | 0.08% (p5 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 88% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 33% |
| Average share balance | $12,569 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $40,507 |
| Loans granted, annualized | $47.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## 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 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | delinquency rising |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | assets shrinking |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | net worth falling, delinquency rising | assets shrinking |
| 2024-06 | 0 |  | net worth falling, delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

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

- 2026-06-02 [Cynthia Gilman Obituary (2026) - Pittsford, NY - Anthony Funeral & Cremation Chapels - Brighton/Rochester Chapel - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNelFFNkhpdXA2QjNUMXVTVk1iaV92dVlzMzR0RXZaM29VSHNidjlUOThyTmhCLTFWaVZKZWZXdUd5Z3JQcUp0MDJfcmJicXhySHNibTA1dUF0QXRIeXlTQ2liZHdmYUg2MkRNWTNGcUJHYmFadWtKekRxLUJjXzU1Sm1Jbw?oc=5) · legacy.com
- 2025-10-15 [ESL Federal Credit Union to acquire Alesco Advisors, expanding wealth management footprint - rbj.net](https://news.google.com/rss/articles/CBMihgFBVV95cUxQdkRjS3lXT05yQTRXd0tad3dQRkdXRzhIZ01GeGtwZXdudDBaeHhKdjhvVzRmaFpOclBybEp1MWNBZkFnclR2TVUzbGVoN183by1FRjAyMGY2NzVSVnhnZ3BiaFZhdmlDNVprSVBMODBtaXhGNnFzUnJuOWQ5Vl9xVmxmcm9XUQ?oc=5) · rbj.net
- 2025-11-03 [2025 ESL homeowner survey: These 3 towns are where people want to live - RochesterFirst](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOc2FhWGJENi1PUlVGTXVHdFJNdXhKTXRkbW56WFpseDRPeUtneHQyN2RWS3laY0VmX2JiYlJNSXpnWjU4NVI0d2lrTjZEcUtNRzBobldXZHRUd3lSMVNyT3FMbmpPQk92QnZJNTlmNXdIZGRDSWJMbEVvM3VvWnQ5alBFMWQ1U3J5MDlseGRTQXVLa2dDQ3FzRVpRaWtXNGhfZXZxdDNDV0tSd9IBrwFBVV95cUxNeFdmYUotRmtzUEhFYWNPekJrT2gzSXZIa3FlMWdvSDFGaFZWbnRxVnBVYURiODctOXp4VkFoZElOaHpadGNJSnZsc2lidnJYV2xEdGRiMTJaNjAwdy1RejlUbVpjWkk4RXNWZzhmR2t1VEh3bGJkNnFfVm1SXzRzS2p1d0RpV1FxZjFvX1VSbTc1cDNmQWY5Sl9BQ3VyYnVQMnpwZ0tjQm5RQkVXcHVN?oc=5) · RochesterFirst
- 2026-07-24 [William E. "Bill" Beach Obituary (2026) - Rochester, NY - Miller Funeral and Cremation Services, Inc. - Rochester - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPc2JIVWxMYUNPUk94WXF3eExhd0plUDgtSjBBWmlQRk95Vm9pa2hkZkdzTTZUUHpMVlFmUHhYY29URnB1cGJhc1k3ejF0aUtEQlgzSS16a2tBb2UwM2h0cExlSzMyQ0lWVVROcGhvQ3JPMVZuZTJhYmpkeHc3cmVMbThB?oc=5) · legacy.com
- 2018-02-01 [Ronald C. Jabaut Obituary Feb 1, 2018 - newcomerrochester.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE0wWjE5OGJEbkdVVlMtb01sR0JhcDdDaUJnMnBvZkVIZDFyNWR0LTJWclp1cEh0bWlBb25jR0dFSkxKMml1aXBMWnpuQ2dKcHpwc2IwRmxvbzl4QzgxRVZ6LVZmUTlHRDlOS1E?oc=5) · newcomerrochester.com
- 2021-12-03 [Pirate Toy Fund Toy Drive continues at Kinecta Federal Credit Union - WUHF](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNd2FnZF9qODJQeFVUQVJ4V2ZoN0tyb1FfVWgwVUZ4RWdjcy1LUGhiNHhFaEFna21YOVBVT3ZFbk91dUdTRm04UXlRRXE3bVJhem5ZUEo5WGFCelBGZWxrUnVQeFlYUFIwSHJOZkFQanVoNkN6TU9URVF1a0lRd1pjUnladkNfYUZFN3VTR0RwNGhPeW9YOEJIWnRBaUNtUHR1QUg0SmZFUE1aZw?oc=5) · WUHF
- 2022-05-07 [Margaret Ann Beck (Goetzman) - Democrat and Chronicle](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5SaXVzWDJjSmxody1DanhLX3RyZEVuOS1WZmIxb0NDbmxYU293M3F3cm9hM1BEMHYyVVN2b1FyeEZOcHExaTUzM2pYWlJseUhTWGp5ZkdvM05yaXhYaEp6QmpUcy16MVVr?oc=5) · Democrat and Chronicle
- 2024-12-03 [Prominent restaurateur admits to running elaborate check kiting scheme, faces prison time - WHEC.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNb0s4SmV4QVFnTjAzUGFQX1lSbnV6WE5hemVHRm1XZGxCRnZLaXI5V1EydFdOcjNHWExFcFFZcWxVTlBLR2hDcFl0YUdBTGY2Y182dFZQUmRUS2lQXzFyQk9fY0g4bUNHQ1BiaGVkY0V4bURIWWVQczh0NDBHNzJzeDJqNm1WTVRnWmVyREM4S2RwZ1Jna29GSkhPcXN5Ymg4WnJ3QW9IR0F4NDU0NW9YQ2xR?oc=5) · WHEC.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19085 (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/13.json (key "19085", 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=19085
- 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