# SECNY
SYRACUSE, NY · NCUA charter 20496 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/secny-20496

Who the members are: federal charter, community charter, organized 1971. 15,923 members of 738,305 potential (2.2% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *ordinary*. 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 | $318.0M |
| Members | 15,923 (0.3% YoY) |
| Full-time staff | 63 |
| Net worth | $23.3M |
| Net worth ratio | 7.3% (p0 of band) |
| ROA (annualized) | 0.19% (p15 of band) |
| Total delinquency | 0.88% (p73 of band) |
| Net charge-offs (annualized) | 0.42% (p53 of band) |
| Loans / shares | 54% (p11 of band) |
| Cash / assets | 14.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.94% (p15 of band) |
| Operating expense / assets | 3.16% (p28 of band) |
| Vehicles % of loans | 16% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 1.90% (p93 of band) |
| Vehicle NCO | 0.90% (p64 of band) |
| Repossessed % of vehicle book | 0.02% (p55 of band) |
| Real estate % of loans | 75% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 21% |
| Average share balance | $9,764 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $25,217 |
| Loans granted, annualized | $24.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 1 |  | delinquency rising, net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 5 | capital below 7%, net worth falling, margin squeeze |  |
| 2021-06 | 4 |  | margin squeeze |
| 2021-09 | 1 |  | capital below 7%, net worth falling |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 5 | capital below 7% |  |
| 2022-09 | 2 |  | net worth falling, capital below 7% |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | net worth falling | delinquency rising |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | net worth falling |  |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2023-12-28 [SECNY FCU Names New CEO to Succeed the Retiring Walter Bobesky - cutoday.info](https://news.google.com/rss/articles/CBMioAFBVV95cUxNTEpGYVhweW0weDRfZGlOd3liTlk5Y0xpVEtOU24wZDhnS29meGRBSDNWcjJTNTZqYVNUQ0hSUjdISkQ3dl9rQS1EaHRZODgwN0s2dlhNbU9YVldPcEhUbldHSmtLMzF5Tl94T0ZLQWlTclN3bHVpdHJqSmxrRzZpazNvSE8tRjJybVpuY0QtZWZMbHhTVENZZjloazdPdHJf?oc=5) · cutoday.info
- 2023-12-19 [Walter Bobesky to retire after 32 years as CEO and president of SECNY Federal Credit Union - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2016-07-29 [AG: Duo indicted for cashing over $100k in fraudulent checks - WSTM](https://news.google.com/rss/articles/CBMilwFBVV95cUxNSFpmRFRFM3FaMWtNRC05WVJmdEQ1ejZVMGpHemFlNzkxbHh6Ykd5ekF2NTJPcUc3YUFUZmE3WG9JWWxxOTdjWExGcDhHM2MzUVNPNEs1STF3cEp0UG12Y0VyUHh5aEtJbUhDUlczaVZYTklYQWNGeUlKdENQLTItVE9ubmI5SzJtM3oxRURqM0lqNW9OV1pR?oc=5) · WSTM
- 2023-11-23 [Wojciech Lukasik Obituary (2013) - Syracuse, NY - Syracuse.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNem9rajZCYTB3N0hOY3FlSWR6cjFiVW9XaUpLZG0wWXRuci05cXV4VEY4bjc5MFFodk9pUlRZSS1RMTdlMGl2TGozcnJ3MDBZcUhWUWdOLTJpTWt5dHEwdjRadENURmRQRG5NNkkwNnd1bDBpMk1BM0NYYzdvWFRabVozQTVuMnllaC1ld2RidHJaMlZnQmc4?oc=5) · Syracuse.com
- 2026-07-14 [Amy J. Scicchitano Obituary (2026) - Camillus, NY - B.L. Bush & Sons Funeral Home - Camillus - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPSElJYVFaWF9reGhuUGhwUENBcTM5bGhoLVk5b2RjZ0wzZV9HdGJmM3JoLXRMdkI5VlIzbjNVMURLZGRLcjFPREJIbXJaUzlKV2Q4YlctME13blNSV19oOXA3dTBzVk1PSlQxZ2pfWUkxSVRzSTZvWklWbU8yMVZjV3NSUTk?oc=5) · legacy.com
- 2012-08-12 [Manlius police arrest man who recently robbed banks in Fayetteville and Manlius - WSTM](https://news.google.com/rss/articles/CBMiswFBVV95cUxOYzlPMVNiSDRGMDVnTERDeV9VTVE2NVJ4cnZ0OWdneXdEVGM4aVA3T2NKY1NYa1UyTDltV3I3YTRJamFyTTRMNXptdlZuOWZ3NWtfWUJWUk1mZVVYUlFYeTE4N2lqb0hPYlJhNTY0TFdHN01HaVBUWUxXWFB4MnVIVHhKLUNSQVE3ZGtibEh4aUs4R05hMmt4MXEtT0h6X0lUazk1dFRWblVhYU5uSGRnUFgxRQ?oc=5) · WSTM
- 2023-03-18 [John Graham Obituary (2016) - Camillus, NY - Syracuse.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPWThEaW5KUUFQM21FYXY0SmhHMFUwSGpqUjR5elNkeUlLUXdRMlVxbVJWYTBNczktNzhZeWVDQ0FfVGxBRGw3aUNtYm1US1NsU1FaNk9Ra08xLWxPcGRGdHhlMVpybWV2TVpXdzVmWEhMOV9XQ2dTUEhSMXhROHRXX3R5T09EWk5kbEo1QnVhc3g?oc=5) · Syracuse.com
- 2012-09-30 [Richard Lewis Obituary (2012) - Syracuse, NY - Syracuse.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPX0NhZ3pjWTVnaVR3MkNIVFRDSHpSdWhWd2xadmc5SFFUOS1JUGpHQXFXZGlHeEtZYVlaVzhXbXc2b1J3SEQxblgxbWRyM0lNSEdBMWNpOE5DTmM4YU92VmVjX0VZWk1ZUTBLNy1YazJiSTRtUXQ1V0J3WkNGZUctV1VST0hRU2xoQzdVVlNNV3RjSXM?oc=5) · Syracuse.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20496 (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/16.json (key "20496", 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=20496
- 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