# REMINGTON
Ilion, NY · NCUA charter 2008 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/remington-2008

Who the members are: federal charter, multiple common bond, organized 1937, low-income designated. 3,627 members of 15,000 potential (24.2% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $59.4M |
| Members | 3,627 (-2.9% YoY) |
| Full-time staff | 9 |
| Net worth | $8.8M |
| Net worth ratio | 14.9% (p69 of band) |
| ROA (annualized) | 1.53% (p86 of band) |
| Total delinquency | 0.09% (p11 of band) |
| Net charge-offs (annualized) | -0.30% (p2 of band) |
| Loans / shares | 44% (p20 of band) |
| Cash / assets | 10.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.41% (p36 of band) |
| Operating expense / assets | 2.66% (p21 of band) |
| Vehicles % of loans | 52% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.10% (p16 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 16% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 14% |
| Average share balance | $7,130 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $11,592 |
| Loans granted, annualized | $9.8M |

## Flags firing in the latest filing

- none

## 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 | 2 | delinquency rising, auto monoline |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | delinquency 2x band |  |
| 2018-12 | 2 |  | delinquency 2x band |
| 2019-03 | 3 | losing money, charge-offs p90 | delinquency rising |
| 2019-06 | 2 |  | losing money |
| 2019-09 | 3 | delinquency 2x band |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | net worth falling, losing money | delinquency 2x band |
| 2020-06 | 3 |  | losing money |
| 2020-09 | 3 | margin squeeze, loan book shrinking | charge-offs p90, net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 6 | net worth falling, charge-offs p90, members leaving |  |
| 2021-06 | 4 |  | net worth falling, charge-offs p90 |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 5 | net worth falling |  |
| 2022-06 | 3 | delinquency rising | margin squeeze, loan book shrinking, net worth falling |
| 2022-09 | 2 |  | delinquency rising |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 2 |  | members leaving |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 2 | members leaving |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | auto monoline |
| 2024-12 | 0 |  | members leaving |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | delinquency rising |

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

- 2025-11-27 [Children's Miracle Network Miracle Drawing 2025 Ticket Locations - wktv.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxOLVdDWUpQcmlzZnE4cktrYWZfSWczZ3lKd0ZXOFFqV25kNmhzMmJuMHpENWZvSERrT2l6emlZRkRxbWpPYllTc0xHbWtkTFRNd1VnSjJQWlFScFgyODVpSGVpYXNpX0VxbUJ4N1FQMFZ5VGtFVktvdFFvamlOOWNFWGZ1Vm1vTFdCNTFqVm9RWUxrUExHMWdwSzBHcDVCbkd0c1JkX1dYS2dYYWM2eTJ0RHVmYVB1N0dHS1JPajJpdXk5Unl3TFpmaU5hY1ktNDg?oc=5) · wktv.com
- 2025-10-23 [Bank Worker Organizing Gains Ground - Nonprofit Quarterly](https://news.google.com/rss/articles/CBMidkFVX3lxTE1acVJwQXZuQWJuSXhyTXV2WDhoaGkxeVNIRnI4dDlFbmhTUE5yVVhFSWpmTlh2eUxQb3JweHNjV0NpMmR3a0x2OTFpZ1ZJZmltRUQ0NXZDeEhKZVZFdTA3R3F2bnZhMUxNUTEtOG0yWnZOUkNqQXc?oc=5) · Nonprofit Quarterly
- 2026-04-28 [Concerns over data center concept generate discussion in Ilion - Rome Sentinel](https://news.google.com/rss/articles/CBMikAJBVV95cUxPOGg1WWhwcDZudXNTN3FmN0xYdE8yTE9tLUJpWm5STDRaUXhyN0o4TjJrRmNrc0t6M2RFY2U1NHNwVWp6elZRM2pOZTQ1ZzRhQUJaMUp1dkNKNkVaNnRrbFMxd3JTZWg4bzBpVWt2ZmEwdzM2ak50RWlEUVFnWjBENTVWeWtzMURlcVRqNjhrdERQX0V6ZkxVbGF3VHptOGFVZGtIYm83WG5Pb2RaOWk2OUxXM3otb3FySllSREdZS3JCQ19nTWVsU3JBcmhwcTdwbGZjZWhqenEyT3Z4ZTdublVMX3Z5MXhHek45b0I2UnUwWnB5SXRYTEdNQW5rRzdCZ2RBdzNhMmNxejdWbTVhTw?oc=5) · Rome Sentinel
- 2025-03-11 [Timothy D. Pryor Obituary Mar 11, 2025 - Enea, Ciaccia & Applegate Funeral Directors - eneafuneralhomes.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9FZndJb3ZuTHZQTFZZZE9CeUNqVWdUeS1UeW5GZ0xnb09MbUhNbUNlUkZWSTJYWlRQZEtfZndlc3p0R2hxdm1CNXhxWU9YNnNrMERqWW02U0hNNHVUV19GUUx0cXRtaHhW?oc=5) · eneafuneralhomes.com
- 2022-08-18 [When There's Talk of Gun Control, Gunmakers Play the Jobs Card. They're Often Bluffing - Time Magazine](https://news.google.com/rss/articles/CBMingFBVV95cUxQdE9FMDhqd093ZUc2SXNrRFZQMTFxaHNFamttUFVfVGdibThEUTNKSmtWenlMWU5jTVJ5eHI3MkpKN0V0al84Q1pwdWdfbVNnVGd2V21xaU1HclNBMng4NEVqZ0wzdG5NZ3kxLU83S1VjekxpdS1EeTNXUXhaU0hibkdlV3BhUXlyRUVGRFRuaTVrODRRTmFhZDhYamI4UQ?oc=5) · Time Magazine
- 2014-01-19 [Withdrawal of banks from region 'nothing to panic over' - Utica Observer Dispatch](https://news.google.com/rss/articles/CBMioAFBVV95cUxNYV91NVpQWTBnTUhxY1dzSUhERmJsbDlBcG5YRHVFYzd0ZXNxS3pNSHNUYjh3N0ZjX0ZkX1hkenRNV0FwbUNZcDFTeU9TQXh4X0loYWVaZmRYOGpJVzNQbVhxMkllQk1QX3VXUDdZZEE3Y3ExM1JLX1NmUWRlZkxaM1ROS2NFTTQ4VkQzUW81NE5tZ1RGc2hQb2R6SU9yUERh?oc=5) · Utica Observer Dispatch
- 2021-10-27 [Patricia (Redden) Sargent, 72, of Ogdensburg - WWNY](https://news.google.com/rss/articles/CBMifEFVX3lxTE9lVERaRGV3Wm1yZWZHM01yT2FUOXloa0tIdGtmZk51UHhydUVtdzgwemVpZG51aVBvQUhIM0tZaHNSR0t1R1hWaXJCLWpobXFXUkpNZ2t2Z1J0bTZiN1JqMGJkanhSVzRUa3lHUVhZOS10blpNdERyUnM3NEHSAZABQVVfeXFMUEVDOVpmaDJtbDZRMDBXdnVlWlpGcjliOGpEZ0tFT29rVW9UdEhPUEp4ZmNST2pURGJlaktDVm1tbGp6aTlGOExfVkJRWWRiQ3hORmRCOW5jeE5nazJyTHBPVWlJZ0x2V0dHbHVzXzZNSmhmX3JaSGlyOHRneTlaaHZUVXlyaE8ta2Juc1RjMTRL?oc=5) · WWNY
- 2025-09-23 [How Herkimer County Plans to Benefit from Micron's $1 Trillion Industry | Focus Economy - wktv.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQS2hIZklzSnJSLXRSc1NqUDhxUnpkLWVndGpnelFTWDBPRkdLU3RHVUQ4cVJWZmxXeDFpNG9MbnRJQXg3c0xVel9GS25LZ0ZIU21NSy02WHhxTTFCX2RWSmtCNGktU1VjeWp0bEdqWDdCQVlFNFY1bHJoLUFQTVdGVm1NRFF1YmY1N1dSeWVSZGZjNjdFd05YX3puWkd2OGVzTTQ0WFJiai1PUnNQRm5WTWNkOXRVVElVRENJd1VVbFMxd1Y5ZExGb1p5c1lfcE5xNGtYakF1T1JuZF9XcWNqZ3czMGNwYW1lNE5UaWs1MW0?oc=5) · wktv.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2008 (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/24.json (key "2008", 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=2008
- 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