# NORTHERN CHAUTAUQUA
SILVER CREEK, NY · NCUA charter 19774 · asset band <$50M · latest filing 2022-12 · stopped filing after 2022-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/northern-chautauqua-19774

Who the members are: federal charter, educational (single sponsor), organized 1969, low-income designated. 576 members of 900 potential (64.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *too clean*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.0M |
| Members | 576 (-2.2% YoY) |
| Full-time staff | 0 |
| Net worth | $361,139 |
| Net worth ratio | 8.9% (p20 of band) |
| ROA (annualized) | -0.16% (p21 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | -0.05% (p9 of band) |
| Loans / shares | 68% (p68 of band) |
| Cash / assets | 7.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.01% (p24 of band) |
| Operating expense / assets | 2.55% (p34 of band) |
| Vehicles % of loans | 53% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p42 of band) |
| Vehicle delinquency | 0.00% (p17 of band) |
| Vehicle NCO | 0.00% (p27 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 29% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $4,883 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $13,160 |
| Loans granted, annualized | $1.7M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, delinquency 2x band |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 6 | capital below 7%, charge-offs p90 |  |
| 2017-03 | 4 | assets shrinking, members leaving | losing money, capital below 7%, charge-offs p90 |
| 2017-06 | 3 |  | delinquency 2x band |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | net worth falling | assets shrinking |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | assets shrinking |  |
| 2019-06 | 2 |  | assets shrinking |
| 2019-09 | 1 |  | thin capital |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | thin capital, margin squeeze |  |
| 2020-06 | 3 | net worth falling | margin squeeze |
| 2020-09 | 3 | margin squeeze | net worth falling |
| 2020-12 | 2 |  | margin squeeze |
| 2021-03 | 2 | loan book shrinking | members leaving |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 | margin squeeze | thin capital |
| 2021-12 | 2 | thin capital | loan book shrinking |
| 2022-03 | 2 | net worth falling | margin squeeze |
| 2022-06 | 3 | losing money |  |
| 2022-09 | 2 | assets shrinking | thin capital, net worth falling |
| 2022-12 | 2 | thin capital | assets shrinking |

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

- 2026-07-27 [Unexpected gift - - Observer Today](https://news.google.com/rss/articles/CBMie0FVX3lxTFBFMVFSX0d3UU4wZ1JidFpmNmJuM2RuVVJ1NjdjSW4wbEpLUVR2ei13RXJma19mUk5Rd1czRzVJRFN0X01Ebk1yRDQxeDBOaTBvSFFmNTZjQTZKNDV0akZKTDc5a1FBdnZTdUtZNzZOWmNXN3NwcUJLTlc3aw?oc=5) · Observer Today
- 2024-02-29 [Southern Tier Catholic plans St. Patrick’s Party & Raffle, $31,000+ giveaway - the wellsville sun](https://news.google.com/rss/articles/CBMisAFBVV95cUxNQVRIeFo5bnJPcTNoMkFwZHhRbkY4bTMyVjluWlM4VkVaX3hOU196OFd1R2RIa2w1WkhoZDZvWGZKclJzSjBMUUx0aDhSNmY3QWpxYUVXdWFuOWlHU1lEZlpaamJ0Y3QyMHFVelRfUmRRU0dETk0yN0hmQmVTeWkyVElnaWxiTkptTnY1UDJKOW5Xb1lJWDZiblItOVJVT040ODFyVG1PbnZaVVE0RGY0NQ?oc=5) · the wellsville sun
- 2026-01-28 [IDA OKs Assistance In Former Irving Hospital Redevelopment - - post-journal.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxOTEZxWDZQX1lSWFptUEdzX3ZBMkFHNGhpS1NCSUo0bWN6SE9xV0c5bVBaYmVLeDdxSy1VdG95aXNQZXU0VzhpVXlwVjZJWEJQVUJkME54Mnl6WEw3SDZtNDJLNHJZXzE0WmRwajgxLUl0cjFXX0VNUkE5Z0didTg3MDV2clFKczVIUnNXc1pRejEzSUpMNk5sd0JGU3VGVGh4LWJydnF5YjhOVTV2dXRMUlVn?oc=5) · post-journal.com
- 2025-08-22 [Back To School Bash takes place Monday - - Observer Today](https://news.google.com/rss/articles/CBMimgFBVV95cUxQS1lmUWJzTlV5TUxFcldBRXlMWnMyRTl1bjVBSEU0VEMxMUNqaFlsU3F0ZHF3enpTVWtyM0d0NkVESU8yWllIWjd3bEtRSnNnQTRLM0E3ak83R2tzS1FwaUdBV2xrRTlqbVRjd3ZJcWJtRjRPT1A1VXpHXzhXanhJbWh0eFVvQTJUb29JYTE1WTZRSEYzNkpBLVpR?oc=5) · Observer Today
- 2014-01-17 [Eugene Burgess Obituary (2014) - Buffalo, NY - Buffalo News - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxPZU9DLTB2V3UzSFpzaWRiWUFnN3U2dHR1Vlphc3hLcDd5RmF6UHRYR3NXcG8tRmVyMGpRQnVHVUhUSmg3S2hncHB3MXdSS2ZZR09STGVGb2ZORUtsaWxIMk1lU2xLRkNvdk5fWnJRcUdmRDItcmFSQ3hyVkxKdWM3UVFTeVBkMEl5c090NVp6NXEyUQ?oc=5) · Legacy obituary
- 2022-12-24 [Second Jingle At The Rocks gathering raises $1,000 - - Observer Today](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPVVVZbWZVQzRxa2U4T3A2RGs4TDZfazVScFY4bWpiMlBaRTcyRzBHMWo3S3dnYUZZaUJROVliVmgyU1VSS05XQnRraW9veS11amhXNDhEc0hmX0c3Rl9Ua2VUX1g0ZkFqM0hkZGNjNlZFNXpsbnRGYXBYWlh1VkJETU9FVFlRcVYyckVydV9YSGZxZ2IxSkVUYzFrVDZBakVlRlk2bE5tUTM?oc=5) · Observer Today
- 2018-07-25 [United Way hosts golf tourney at Tri-County Country Club - - Observer Today](https://news.google.com/rss/articles/CBMitgFBVV95cUxPemJNUURpS2F2TFpMelZ6dkQtdEFMVUVMYmRWbWU1eGJ0VGR3clNMa2tjV2ZndThhNlIwY3g5ejZrM0tjcEVsSFFHclUtNDE1cFdObFd5Vzlhai1uU3kyMHE0Y2JTWVd5R2M0M1luV3BhNnVYWHhpcjFldTliMDFvUzUyWXI3ZlFrRFhweHYzWHdlbDNoNzFWbjM1SmQ0NjhRakh1dUhqdnctMVVpa1ktZUV4WTVldw?oc=5) · Observer Today
- 2019-11-10 [Daniel Siracuse and Victoria Howell - - Observer Today](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQb2xhVEdTSTlObGtkM29lRnpoQ0UxX0hyYmdVRDRqWGlIUFFFVlNxb1ZzLXo2NjVJNHlCUWUxVFNVY0s0MVdWb3p6WWpqSV9jMHVXbjdReU10dV9Pa2pfSEkzRF9tenB4VTlXRzZTRUdPTHpZNG1Jd3VvY2pRT2dyV09Ud0F4VEtocU1YQTBneWE4UkZ1NXY5Q3Q1RmFUQkZQcU13bEpyZDk?oc=5) · Observer Today

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19774 (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/62.json (key "19774", 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=19774
- 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