# MOHAWK VALLEY
MARCY, NY · NCUA charter 20823 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mohawk-valley-20823

Who the members are: federal charter, multiple common bond, organized 1971, low-income designated. 3,255 members of 8,200 potential (39.7% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *auto monoline*. 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 | $61.3M |
| Members | 3,255 (-0.8% YoY) |
| Full-time staff | 9 |
| Net worth | $7.8M |
| Net worth ratio | 12.8% (p49 of band) |
| ROA (annualized) | 1.08% (p69 of band) |
| Total delinquency | 0.74% (p57 of band) |
| Net charge-offs (annualized) | 0.14% (p38 of band) |
| Loans / shares | 50% (p30 of band) |
| Cash / assets | 39.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.32% (p31 of band) |
| Operating expense / assets | 2.65% (p20 of band) |
| Vehicles % of loans | 64% (p83 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 2% (p57 of band) |
| Vehicle delinquency | 0.33% (p35 of band) |
| Vehicle NCO | 0.15% (p45 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 17% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 25% |
| Average share balance | $8,219 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $182,629 |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $12,664 |
| Loans granted, annualized | $14.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $182,629 outstanding purchased (2.3% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 14.4% year over year.

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 0 |  | delinquency 2x band |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, delinquency 2x band |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 0 |  | delinquency 2x band |
| 2021-03 | 3 | net worth falling, margin squeeze, delinquency 2x band |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 2 | net worth falling | delinquency rising |
| 2022-06 | 2 |  |  |
| 2022-09 | 0 |  | delinquency 2x band, net worth falling |
| 2022-12 | 1 | auto monoline |  |
| 2023-03 | 2 | delinquency 2x band |  |
| 2023-06 | 3 | assets shrinking |  |
| 2023-09 | 2 |  | delinquency 2x band |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 2 | members leaving |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 | delinquency rising | members leaving |
| 2025-03 | 2 | net worth falling | delinquency rising |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-09-02 [OMNICOMMANDER Launches New Website and Brand Identity for Mohawk Valley Federal Credit Union - EIN Presswire](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQbmh1M0pzZzFvWU5vNTcycDlfTUZGcWxRWkpJMHRHX0J4TkQwRXFZV0tKN0tHVFJ5Umk0ZWtWdFNIYlR1LXBQa3cxaXdwTzVXbVBtem5mdFVWU3FaeGhWQXlVSGQ0RVpINTVSMEtlVHNRaU1xeEYzU2RKX3BPdXhCQl9tSTcwelhZcDJ4M3ZITHhjWWYyemlQQ25zckp0bWo4dUlSTlRyeUgwd2ZIU0ppdDlGbjcwdnkwaEFUc21Ca1FYX1RfNHM5czg5WVVoTEtJREFaNXFB?oc=5) · EIN Presswire
- 2026-06-22 [AmeriCU Credit Union eyes Capital Region for expansion - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxQRmVUcUF2VDZUWFE1SG1TWnhzVHBGTno1RXVyRU9iT0YxZUVmTnprOGtvSm1EU3Y4WXJUdVBWYlZGZGZFbXVLY29fcDdGQ1R0R3FsWlJlM2s1Rk9iTVhmdkRWXzhhTm5LeFd5RS1QZEFqSE93Yzk4a0RVdmprVy1LX1YzU2dPMHhCc1lNQ0dqNndQcXNV?oc=5) · The Business Journals
- 2026-02-17 [Funding Allocated for Affordable Housing in the Mohawk Valley - wktv.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPeE9xV2loSkctYmU2ZFNmR2c0dU5YNmdGdXFBbEV1VW8zdzZQUm5lTEI1X3ZBX0l1R0FGbkdzUGFKemlaM2pZT1RGT19tZVVDMlZXRS1FMDVjcGtsV1hhWnpReEJDaTNCV25keGthQU1mcDVDVEpWY0g3NFUzQkhQZV9BQ2tvTjRQSnJWWS11R1NpTnVtQ3RtMXJIWE9ERUpVT0xBREJac0NkN01FLTh6Ny1nSC1YUEJMRVd3VDQtb2FFOGNsSk9ZSW5scm5qT3Y5dGxqbkpXdUxoWWJYc0pFT2J5RUVIZw?oc=5) · wktv.com
- 2026-03-09 [Marilyn Ford Obituary (2026) - Middleburgh, NY - Riley Mortuary, Inc. - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxORFpyaUJjRDdROTZ6NDNMWmpyMWoxcnN5WHBtb2JWSDQtM1p5eGJYMnRKN1V1UDFseUM5bmFHa09nUklTTHpDdk1PX0lhblhMMU16NHA5QTAtNnJMZVZZVzJ3VnV0OWRTLU4xZUdfbkpiemF1QlJwR2xidG9aazJjZw?oc=5) · legacy.com
- 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
- 2026-07-08 [Center for Leadership Excellence honors 2026 graduates | News - Rome Sentinel](https://news.google.com/rss/articles/CBMiywFBVV95cUxNVWRCak9XbE9kMmI2WnBhc3AyclVYbmN4TFN6c2I5QjdwNTM5czF2WXNLOHRtSWQydktWb0pFdGw2OVU1ekxQc3RyM2FndWJURThIcEMxUmdOeWRCU3FmX3NvNmYyWVVDenl4R2RlLXhUajAycDlObnhTS1RkejBPSmhxSWpsbUFTajJSWTFrV01vbG5jTWhJMFFCd1AzQzN6Tjlzc3Njb1ZXNkhXY2Z5SF9jRzgyTF9QTEwxRFQ1a2ZXVnZfdDBibjVYOA?oc=5) · Rome Sentinel
- 2024-04-17 [AmeriCU’s Ron Belle on leadership: ‘Understand the shadow you’re casting’ - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2020-06-20 [AmeriCU’s Pfisterer named NYCUA’s 2020 Outstanding Professional - Utica Observer Dispatch](https://news.google.com/rss/articles/CBMixwFBVV95cUxNejJOLWtRczBKY2ZNQk1WZ3FSdlpReEMxY0lEUjluSnBQSUxNdENoVWsxQzhDZUp5NEJkVUFnenY1WEF1T3BXcTdzeU42Z1JUMTVCcVZlWGFjSXR6SkJqby1VQXJMNWhSQXdFdmM0NDlWUjVrQ255TklfeEdYSDdEUmFuZno3OWU1SnRpVDEwS29RUVBlbDF1R19HeFk1MFUzeDlMSFp6SlAyVjZ5aDFZMWU3Z0k1ckRjRFdQVnpKUFRRenUyUWx3?oc=5) · Utica Observer Dispatch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20823 (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/23.json (key "20823", 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=20823
- 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