# FAIRPORT
FAIRPORT, NY · NCUA charter 20956 · asset band <$50M · latest filing 2019-09 · stopped filing after 2019-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/fairport-20956

Who the members are: federal charter, community charter, organized 1972. 4,514 members of 11,285 potential (40.0% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *ordinary*. 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 | $41.7M |
| Members | 4,514 (-2.3% YoY) |
| Full-time staff | 5 |
| Net worth | $4.2M |
| Net worth ratio | 10.1% (p24 of band) |
| ROA (annualized) | 1.28% (p89 of band) |
| Total delinquency | 0.09% (p17 of band) |
| Net charge-offs (annualized) | 0.00% (p27 of band) |
| Loans / shares | 80% (p74 of band) |
| Cash / assets | 15.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.15% (p37 of band) |
| Operating expense / assets | 2.39% (p20 of band) |
| Vehicles % of loans | 49% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 0.00% (p24 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 98% |
| Certificates % of member funds | 2% |
| Average share balance | $4,821 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $14,680 |
| Loans granted, annualized | $9.4M |

## Flags firing in the latest filing

- none

## 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 | 2 | delinquency rising |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | thin capital |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 2 | members leaving |  |
| 2019-09 | 0 |  | delinquency rising, members leaving |

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

- 2025-12-11 [FLFCU breaks ground on new Webster office - rbj.net](https://news.google.com/rss/articles/CBMimwFBVV95cUxQU2dXeHhGTkk2cTctaExiTmlBck1aVU9Fc0dPUWktd2x4WUJZaHZVMGZPQjIyam5RbnVOLWV4aWVHRzNGdlpzVTZLZHlTekFWTlNDLWEwYnlyNVozTjBWWlhaZG8tQ2poMm16aTROemt0akdBdTFXN0Q5QXV5QlpvNlVxVm5OdlN6eTFFamZaSHRBZERrcHlVb1M3cw?oc=5) · rbj.net
- 2024-03-22 [Advantage Federal Credit Union Awards Inaugural Scholarship to SUNY Brockport Student - brockport.edu](https://news.google.com/rss/articles/CBMikgFBVV95cUxQNmRrdWs1RUJWcnVkOHRpOEcxQmg5czNuYkV0eW53WjREbURKR0pqZUlUc3RVNnpIczZsZ0h0MklCUVM4c21qdXBQTGc5Sll2b1R4OEh2ZU1pLWt4clZYS2hjQVI2MVZzZEQxSkxmR1ZIdkRxQ0VoM3JJSFRwcmFNRlR3Zm9BbTZGZDNxNzZUMDdLUQ?oc=5) · brockport.edu
- 2025-10-07 [Faheem Masood to Retire as President and CEO of ESL Federal Credit Union - Greater Rochester Chamber of Commerce](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOTjFCYTBaTGVxYU4wTEhyMldaOXVoX3hkZTI3TFJLdjhVYW1YZ1k2YXE4N01ic0o0ZlV2TWlKYlhXLVN2cmtYWVF2dVMtLWg4TGNibmY0OWVRbW1fRFIxYTVza1dWVXRBR0FwVjM3WXRhT0NRVS1Yb2t0VldfSDNEcDdHT182RlpDSjd6NUlOM0JtejJBbnhIS29yOC1GWWpJYjd0TWpFUlVyczBpRXN2YXdKTEhBWjhjZXYzRjNhd2RhQQ?oc=5) · Greater Rochester Chamber of Commerce
- 2024-05-18 [PERINTON CUTS THE RIBBON ON HIGHLY ANTICIPATED SKATEPARK - Town of Perinton (.gov)](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNUWhTd3lIOUhTanNJOHZHTXU1NFFmZThtMFh3eXpjZWtMNWNmLXE4ZXNpazR0VXBvWVVTeFp6TThHVUJCMWIzT1JjVjlCZzdjNVhPaGZhUExUN0JNakNYXzlvTmo4b05lTmdfZ3pfN3p2RTJEWEQxSUJPTGhwZ3FoU2R3eVV2eFpwR0pN?oc=5) · Town of Perinton (.gov)
- 2024-04-22 [Bright Spot: Reliant Credit Union presents $25,000 check to local non-profit - 13wham.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxNbUFlZzJmalhMd0IxVGtVVXozdlVOR01idzF3RjBENzc0RUwzLVRiTVZnRnNiWVVvaFhQWGR1QU1neVpYTmFNMG5FSlBwOWNtYXZvcVZ4bUh2T1B1SDlCVHZKUG9kM2o4Nmh3eG4tQ2pCSV9fbzhkVmhZUDJVV3p0TFBrNGFTQVlNTUhfQ0JaenI4d2tfRFRkMGZaVGF1MGM?oc=5) · 13wham.com
- 2019-10-22 [Student-run credit union opens up at Fairport High School - RochesterFirst](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOMmpZX2lpYWxnWG4yWmtvRWZCRVFrNXBmNmY5dXZtMmk2bUtGMUNRRmVGRlJRRzZ6TDgzZ0J2YWZJamhya21ndVQ3YVVaMGxvcWVPMEVYMzBMa2M5VnE5SnpzeWVIWGwyY3BPckxJdmJLaXM5bldGbW5WNXFoS3RZYUw2MEdMSjBndU50Ym5hWFl0clZvNHV2cGZ3NDhVTUFaMjcwVkR3bHrSAa4BQVVfeXFMTXZ3YkNOSXhER0x0MV9GNmpRaEpFMk1YXzM1UGZEWmR3ZTlIVFFQd24xMEtwcnowN3lFNUdrQmNfZV91ZTFpOXpjb3UyV2k4WVBLMklPVXJoN25DUmdldDEtLXNvenZra3pza1hHeG9Qc0RwclItel9rdGdjdmZaMUNhX2xkYTIxelBWbGJuOVdINEhpTEt5TzFUTzhvaWVVeHNoOEd3MzhZd1dqQmJn?oc=5) · RochesterFirst
- 2023-10-25 [Madison Hansen is Advantage Federal Credit Union's Athlete of the Week - Democrat and Chronicle](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPLU5HYUJNUXd5V1N4clZOM0dmaHhabjlOVFVjSVBLVDc1R2s0d0hER1RfRWJtNmdmcGowSjYtNmpraG1qeVpYNHdsTlVfRGdZM0d5bFo1OFFWUGNzeTBlNk11SkRCbTljRjNUYUtoenNqR1I4M3N3ZjhDdXNSQzg0V0dOeTJCdTNFbnd3T1RFbUh4aEJLT2xLWmRWaS1GZlk5RGNVcW8zVE4xR0w1SkJvV2wzLVY2MnFaMUxjMUktRkQyUEZLTXY0RmJnSjFjd0ltSXQtOGJsYnVhMEYyMm5SZmhrQThfWHkwTkpZ?oc=5) · Democrat and Chronicle
- 2024-03-18 [Three students earn SUNY Chancellor’s Awards - SUNY Cortland](https://news.google.com/rss/articles/CBMif0FVX3lxTE45VVFBal9ZcjZQTDdGc0RuSjdWRnByVmw4MmhvdW9uTHItV3YyWVU2MkpsQzBxVzZKdDhtQWFFTzhTSXJYeXh2R0doOUgwVno5Ukt5NGZnTElRZ0l0ckpzRE11OXZWMGNLRGFVWElnek5YSGIyM2p6eFJXX0RUT00?oc=5) · SUNY Cortland

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20956 (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/28.json (key "20956", 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=20956
- 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