# HIGH POINT
Olean, NY · NCUA charter 21083 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/high-point-21083

Who the members are: federal charter, community charter, organized 1972, low-income designated. 22,641 members of 178,245 potential (12.7% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $433.8M |
| Members | 22,641 (11.1% YoY) |
| Full-time staff | 89 |
| Net worth | $60.9M |
| Net worth ratio | 14.0% (p84 of band) |
| ROA (annualized) | 2.21% (p98 of band) |
| Total delinquency | 0.81% (p68 of band) |
| Net charge-offs (annualized) | 0.18% (p25 of band) |
| Loans / shares | 61% (p23 of band) |
| Cash / assets | 8.3% |
| Borrowings / assets | 0.86% |
| Net interest margin | 2.89% (p12 of band) |
| Operating expense / assets | 3.42% (p38 of band) |
| Vehicles % of loans | 41% (p66 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 66% |
| Third-party paper % of net worth | 102% (p57 of band) |
| Vehicle delinquency | 0.50% (p45 of band) |
| Vehicle NCO | 0.40% (p36 of band) |
| Repossessed % of vehicle book | 0.03% (p57 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 57% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 23% |
| Average share balance | $8,445 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $437,110 |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $20,375 |
| Loans granted, annualized | $80.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $437,110 outstanding purchased (0.7% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 5.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## 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 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 0 |  | margin squeeze |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 0 |  | net worth falling, delinquency rising |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 2 | delinquency rising, 3rd-party paper>100% NW |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | 3rd-party paper>100% NW |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | net worth falling, 3rd-party paper>100% NW | delinquency rising |
| 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)

- 2025-12-09 [Credit union in Little Valley to merge with High Point FCU - Olean Times Herald](https://news.google.com/rss/articles/CBMilwFBVV95cUxOYW4yWm9VSUJyYnB6T25GbFVqc0t5NGtPeXlqeGgyX1ZCMmw3M09zWnJSeEtpMmd0NVEySWZVaEtHNUpPcHdKc2VYZ0paaXhudmpUWXZFVkUtME9FY2ZBR2x6Ny1hTTE4RUkzOWhYT00yeE1kT0paaHBhSDFzSDkwc2ZoOV9vQXhNUXZRMTF3b3Ywd2paN3dJ?oc=5) · Olean Times Herald
- 2026-05-20 [Six Charged In $1.3-Million Fraud Scheme Targeting Banks, Credit Unions With Stolen Tax Refund Checks - cutoday.info](https://news.google.com/rss/articles/CBMi0gFBVV95cUxONlFVdmtoV2RvM3lHNG9MaHlDRUVqYzZRVlNtUFJrYnNlNHlENXkwQlk5RWVIRV82cGVkRGEzUUJQbnFiRXljc0wzMU1MdVlUOHoyaHNmaVhmcGFjM2QzVERvRHRhR2JwdE1aNDJKSTRCSFFVZEhmc1VaZ0tBQnZ5ZTVESzVwcWRyZ0l0SlRtb0dJVG95dU9jc0lOZGFZX0NrcjBWcnRHUlUyN3RJMEhNazRLYjcyeGFNOG5oOGZidXY3R1BYN09aVUJFUVdPWjcyMmc?oc=5) · cutoday.info
- 2025-12-19 [Terrorist Group Behind Large ATM Jackpotting Scheme Targeting Banks, Credit Unions - CUTimes](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNbThmVHhNeG5FRHdoaVctZUhyLU4yZFdBTUg1MkFoUDlQaEJoZWRyTlc2SlJuTHhlUVctaFVPLUlrRHgzRUZoZy0wWVBGOWs2WG9rVjZpRUJjQ1Q5UHhIOF9CV3pWTFJJQVpKdlRKNnFjUUhjVGxGbXhyZVctN0QxRlROQ19XUk50dXpjSUthRV9XWjFMNzIwYXd1QlViN0hVaGJXa1NfT3V5ZzJhaUVHcGRvMlFBVTVC?oc=5) · CUTimes
- 2025-08-05 [High Point Federal Credit Union Partners With Nuuvia to Reach Next-Generation of Members - Business Wire](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQbGVDOVpsck5kc2hRVlNuaFBlcHUxUkthOWFkeVlwcVNkVFVTVmRnWXVrWmZPM0Q1QzdLMWVjVjJVSTJPTF9MMkhxN2JUZHdNbi02Z2QzSWtRTzRuUThNVGpKS2prU09Eb2dwWko2UlZxRHRhYnlIZnNad1o4Qi1DcWtNZUQ5aEZwVUtMci1kdmFvaGlkdm95QkZNczhUc2dHUE9aaTNaSnY3Q0gzZ3JadUk4Qkt3bmNQSUhDQkpWSFhVd29Xb09ZeG5QNWpaYVVHdEZZbVJoeUVhSUxVTEE?oc=5) · Business Wire
- 2026-05-03 [6 Upstate NY residents accused of orchestrating $1.3 million tax refund fraud scheme - Syracuse.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxOaGQxWm5Db0VMNnctMThtYTBUWnFGdE1PbE9UMTVpZ3g1QVhCc291NktuRlptOGh0VUNzMFh3RURsWnZpUktyb2xQUkZCUHZmMHkwamNQUlJtV29TZWo1RTFHX3laMDhsTGl6eDcyNWlBVEdlSVlGUzM4TzRrXy1zQ1RuU1BJRWVULTRlQVZzNnpUX3dYLXZnSHE0dzM0RXl3bllZZHlGOUZUOXdqX2lqRGs5eWhfV3owMWRIYUxhR2dfYTZy0gHYAUFVX3lxTFBJWnBKZFZZNXRzU2oteUZreXBsWGh4WndPOWt5TDBTTGQ5cThoOXphSWd6YnVXQXlfUUh3MXVSdGZjTUpIcmVqWkpuTUdRUXJ1N3ZLbWRLcHUtcjRTNEV0NW5uU3czMmxMUDRvdnMyRGdhT0Q5TGZ2X19wZk9UZWpyY1lrOWdOVlVRakc2WnZrNDM1aG5CN0dBQWV0OEljWjJ5N3ZMNFVlZ0pYYUVJT1dDODVzYlBJb1dmUVVDSEtjQks4WDk1Z3ZCbk9FR1BRclYtUTg2dzQxRQ?oc=5) · Syracuse.com
- 2025-06-04 [High Point Federal Credit Union awards scholarships to collegebound seniors - CUInsight](https://news.google.com/rss/articles/CBMiugFBVV95cUxQNVVCaUwyZWU2ZUU4d3Z3RVhlSmlhem5aRjZLaVc5WVBQQWctbWJLd1ZDMnVZenJrdUNHTDBDTjNHdEtlTDBySkppWTBTWE9ibUxmX3pnWEJ6eV9sNWRJZjlkLVhKNVljN05jN2JwbG0ybHZ1NnI3RlZZdjVpZ3FUcVpIWmMyRmhoS1FvYU8yOTNfTlVKLWpYb1AtWFh1eWM1Um43Z0tua1dSbFFyblNtcEFfMGZPNnNNYmc?oc=5) · CUInsight
- 2026-04-07 [28th annual Geranium Flower Sale to benefit Genesis House set for May 14 - Olean Star](https://news.google.com/rss/articles/CBMisAFBVV95cUxNeTdxaFNUcGFLQ3FxVkxDYlExbUx6ekpOeTI4V0J3N0JESlh3QmIyTEpJTUZDc3cySURTUlU5OWMyRTVQNDd1VkpiRE5GZ1Y5VklYeWFuSm8yd2dkdTFndUFuVWxCQl81SW5rMWVZdi1nX2VoUS1TeFR1ZlhqdUNuZFg2OUp0U0h4TFF0cVRlN1IwQzhyT09IR0xrZDNJVzBueE43U3QxWjF6VC1mb0ZvcA?oc=5) · Olean Star
- 2026-07-03 [High-end deals continue to lose steam in May - Buffalo Business First - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxQMkRIUW1JbE5sRnRndXBUZkRVdExBMlJzVzUtYmtfTWxjeXE5SjdnNHo0alliN0FmVHVDM1E5YUZBc1Z2X3ZDcC1rMmFld2c4bVh5VnlrUnk3dzVDOG1NZllCWUJLNE5QN1BYVWYyTnphbkZKaVM1cGx4NmRxdmtJRFU3bXZLSXVPWnZDaTFaOG9XcHRSUGpfVGRqamRsZw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21083 (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/27.json (key "21083", 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=21083
- 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