# BROCKPORT
Brockport, NY · NCUA charter 20013 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/brockport-20013

Who the members are: federal charter, multiple common bond, organized 1970, low-income designated. 1,187 members of 3,561 potential (33.3% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 55.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $15.6M |
| Members | 1,187 (-3.3% YoY) |
| Full-time staff | 4 |
| Net worth | $825,057 |
| Net worth ratio | 5.3% (p1 of band) |
| ROA (annualized) | 0.34% (p39 of band) |
| Total delinquency | 4.42% (p92 of band) |
| Net charge-offs (annualized) | -0.38% (p5 of band) |
| Loans / shares | 48% (p36 of band) |
| Cash / assets | 52.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.20% (p63 of band) |
| Operating expense / assets | 5.11% (p80 of band) |
| Vehicles % of loans | 33% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 3.07% (p88 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 31% |
| Average share balance | $5,917 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $10,826 |
| Loans granted, annualized | $1.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## 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 | 2 | net worth falling, losing money |  |
| 2017-06 | 0 |  | net worth falling, losing money |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 2 | expense trap |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 1 | repo signal | expense trap |
| 2019-03 | 3 | net worth falling, delinquency 2x band, delinquency rising | repo signal |
| 2019-06 | 5 | losing money, expense trap |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 4 | members leaving | net worth falling, losing money |
| 2020-03 | 3 | losing money, charge-offs p90 | delinquency rising, expense trap, members leaving |
| 2020-06 | 5 | thin capital, net worth falling, margin squeeze, members leaving | losing money, charge-offs p90 |
| 2020-09 | 4 |  | delinquency 2x band |
| 2020-12 | 3 |  | members leaving |
| 2021-03 | 4 | members leaving |  |
| 2021-06 | 3 | loan book shrinking | net worth falling, members leaving |
| 2021-09 | 2 | delinquency 2x band | margin squeeze, loan book shrinking |
| 2021-12 | 3 | delinquency rising |  |
| 2022-03 | 6 | net worth falling, losing money, charge-offs p90 |  |
| 2022-06 | 5 |  | charge-offs p90 |
| 2022-09 | 5 | members leaving | net worth falling |
| 2022-12 | 1 |  | delinquency 2x band, delinquency rising, losing money, members leaving |
| 2023-03 | 5 | net worth falling, losing money, delinquency 2x band, delinquency rising |  |
| 2023-06 | 2 |  | net worth falling, losing money, delinquency rising |
| 2023-09 | 3 | repo signal |  |
| 2023-12 | 4 | delinquency rising, assets shrinking | repo signal |
| 2024-03 | 6 | losing money, members leaving |  |
| 2024-06 | 5 |  | assets shrinking |
| 2024-09 | 6 | net worth falling |  |
| 2024-12 | 8 | capital below 7%, charge-offs p90 | delinquency rising |
| 2025-03 | 4 | loan book shrinking | losing money, net worth falling, capital below 7%, charge-offs p90 |
| 2025-06 | 8 | capital below 7%, losing money, assets shrinking |  |
| 2025-09 | 10 | net worth falling, charge-offs p90 |  |
| 2025-12 | 7 |  | members leaving, assets shrinking, charge-offs p90 |
| 2026-03 | 7 | delinquency rising, members leaving | losing money, net worth falling |

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

- 2026-09-05 [Advantage Federal Credit Union matching donations for Clarkson fire victims still without homes - WHEC.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxOc0NPclZwZEhFNTZtSzhpT1FjdkJ2d25CbjZ0M2pTVzdxQWVGWEY0dUtWZ2hhMHRLRnVGQjNhUDEyaE52bmVnU29VczNSZzdGbEIyb3ZiMFlac0x6ZHl6Nlk1blBvR2NVSTlkeEg0TjNUMktzOTA3ejNUdHhncURNMS1FdzY5RTNQck9sVjJ5ZFpzR29fYm5tZDdpYUN4dTlLRmJVeUN5SkxyMnp0clVHek9iT3B5MkRNODluVWVOMXpYQl9f?oc=5) · WHEC.com
- 2026-06-13 [Who's on my ballot in Brockport? Election 2026 candidates - Democrat and Chronicle](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQblNYX2xRWnVmZ1hBaWtKZXJCUDgyRlB5ZDZ5X2RoMWRBQ1JxMXk2ZnFSeGJlRXViNzhZeld5QnNwQnAxNGhVblR6YmgxNHdaUUl4bzZDWi1vU2xpb0UyWmlZVVRXcC1sQTk3cmtsQTlyZlFGNHhUcGRJMWM5d2FIUzRIVTg1d0cwSmpsQkNhX1NyQkJSemhqMjlzaTJiNE9jeTc5SzN6NEFMUU9GUlFIVXVHQ3ZtT3BPVHAybFptUjktRG56X3RXLVJoOERod2pwX3JiUFVZbTV5WnZ6RFZuTlpBc0RjMGNsamh3?oc=5) · Democrat and Chronicle
- 2026-04-17 [Obituaries for April 17, 2026 - Westside News](https://news.google.com/rss/articles/CBMihAFBVV95cUxOSDlacmVBT053TnV4ZnZob2hVT0tYZWlaR0JiSm93WVA4bFMtXzB6V0ZvNGJwbEI3OUg5eFltSlVHLWR5Y0Z4elpiaFg5NlN6RlNDNm9xTWQycWNoMjk1V3plSDd6VmdFOGIzOVBoTVAzRXVEUG9HRjF1R1J5MVNRb0ZWa3M?oc=5) · Westside News
- 2025-11-05 [New Scoreboard & Sound System Sponsored by Reliant Credit Union - SUNY Brockport](https://news.google.com/rss/articles/CBMinAFBVV95cUxPaGdJTmxtYnVVZWhjcU1CQUZpMkp3MlBXQ0VKM1VqVklvMlJycDZMcXl0Sm1pdUF5UE05RGRCVHFNWG1GVXdTQjQ1RDQ2WlJzQnlfbDFpb3Z3S0NqRlkxR1FvTTM2TmpMNFRlbDA4ZjE0dkdPS1FWNkVYTlVIS2tzeXpRenc4YTBqRHpBZWtyNVppOTh0TDU2djB4UGc?oc=5) · SUNY Brockport
- 2024-03-22 [Advantage Federal Credit Union Awards Inaugural Scholarship to SUNY Brockport Student - SUNY Brockport](https://news.google.com/rss/articles/CBMikgFBVV95cUxQNmRrdWs1RUJWcnVkOHRpOEcxQmg5czNuYkV0eW53WjREbURKR0pqZUlUc3RVNnpIczZsZ0h0MklCUVM4c21qdXBQTGc5Sll2b1R4OEh2ZU1pLWt4clZYS2hjQVI2MVZzZEQxSkxmR1ZIdkRxQ0VoM3JJSFRwcmFNRlR3Zm9BbTZGZDNxNzZUMDdLUQ?oc=5) · SUNY Brockport
- 2025-05-11 [Reliant Donates Sneakers For Children In Brockport Central School District - Finger Lakes Daily News](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPbEdnOEljRVJlaWtKbFBzbXo5MHBJLW04WEZWd1NWRURMQ2U2M1ZjQTdNekprUzNsemhYTnpza1hYNUhLZm43Yk9IN0hDbmtRdXM2MWRKV0ZSMkRiMWpHUDlEX21HQkhuMFNsZWNWV2xXZVkyTkQ0XzhrNWVqZlc1OHlUMUduWWh2N3ByM05pUy0xWkpDR3BLRTc2cjA4SElEVzFzWGpfV3QtTUR4QXhJSW1BSk4yUnduZURpejNPY0pmdkptcVZXZnB1TDVEYnltMzlyVk9nSUg?oc=5) · Finger Lakes Daily News
- 2026-06-02 [Higher ed veteran to lead SUNY Brockport - rbj.net](https://news.google.com/rss/articles/CBMihAFBVV95cUxOLU1JYzNxUG1HTnpqTXppM3VDd001V1RyckxpeERoV0tSYlFrWW5Md1VZTWtUZTNtWENWYjVxVERRR25wRk5rTU1yX2JIMldnZHJmM1RWYzFta2Rkb04xdE1JTU84ODRVR3ROM2trdUE5S0VVSVNQTFl3R0lpOFIwd05CTjY?oc=5) · rbj.net
- 2026-02-17 [Bright Spot: Putting the best foot forward - 13wham.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQVnZ1SG9fMEpXX0NKWVhTaUZscFhSeWRtUE9oUm5uYm5ndkRXMUkyVmVoNzZUV2c1Q3Y5MlBaNnRabjU5Q1lKVlhROGJ0blMwOHp2T1l1RE1lWGhsd2hqeWJIQ1U1VkVtaHdvOUVnRjd2VGo3azA2Q05uQ2xVUTN6SUxWSHNUSl9q?oc=5) · 13wham.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20013 (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/45.json (key "20013", 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=20013
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide