# FINGER LAKES HEALTH CARE
ELMIRA, NY · NCUA charter 21294 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/finger-lakes-health-care-21294

Who the members are: federal charter, multiple common bond, organized 1973, low-income designated. 2,464 members of 6,160 potential (40.0% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $35.0M |
| Members | 2,464 (-1.0% YoY) |
| Full-time staff | 6 |
| Net worth | $5.4M |
| Net worth ratio | 15.5% (p54 of band) |
| ROA (annualized) | 0.58% (p51 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.17% (p63 of band) |
| Loans / shares | 27% (p11 of band) |
| Cash / assets | 74.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.42% (p31 of band) |
| Operating expense / assets | 3.62% (p49 of band) |
| Vehicles % of loans | 52% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 14% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 87% |
| Certificates % of member funds | 8% |
| Average share balance | $6,455 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $7,675 |
| Loans granted, annualized | $1.4M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

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

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

- 2014-09-19 [Elmira man gets 13 years for three bank robberies - Star-Gazette](https://news.google.com/rss/articles/CBMinwFBVV95cUxOeGl1Z2U5aFhNWmV5cFltM2hqM0VIeEFiVzZGZzFfZTl2dzhqUU5Lc1dHMnpDOEVkcnBqazRISDFLQzVEcWVYWTk4REQyX19NRU5WQ0hFVThRRjFJMVZMc1NsOGI5eFBjUlIyaXBLZ3RyR25pTjZKRTJYbGV5SXBMaUNVZThvVUFIS2dUY3RjYUR6N09Ec0pZaWcyV1hEX2M?oc=5) · Star-Gazette
- 2014-02-19 [Update: Man Charged With Robbery Was Former Elmira Semi-Pro Basketball Player - WETM](https://news.google.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?oc=5) · WETM
- 2013-08-19 [A CONVERSATION WITH : Elizabeth Swain, CEO of Community Healthcare Association of New York State - Finger Lakes Times](https://news.google.com/rss/articles/CBMiigJBVV95cUxNaGItcUtJR21TN015OW1Ic3liUFdPMXBVNTJoM25lZk15ZG82dG9mb3VOUkczektuQjdXRFVQZHlKc09XNzRkdjlRYldEWHEyNWp1UFBYX1p5UWpyLTlMM1IwbGFibzFjUTNxSElCWkVubTVZaXNzUVJYN0RGTXhmNThEYS1jX1RKXzZtR01BQ0RKaVRqV21zV2cyYmZMZjJzNGxlVWJub3ZlUE9WOUV3Si1URUp5SFpSSjJwNkFlX2d2a2VjdlhUQndSNFRRUlJHanpvUXM4ck9ROTY2MDdXM1M4NGFZQWVXVUxFTXZxTjhzNDBEbFprdk1vSUljYVJJWTQ1QlowbVFxdw?oc=5) · Finger Lakes Times
- 2003-12-05 [Kevin Rudy Obituary (2003) - Elmira, NY - Star-Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxQOWg1TVVDb0JZc0p2N1docGFoWHh3TURnb3JNb0FEZHlBY2MxVUlhT1cyM3ZxOTJSQXpzM1JRc1VMRFMtRDVNOE5lYUtPUFM3NkF4UEV6NC1pMlFMeWlTYXcyWklUaFRobi1pLXd0TnNRWmFZMEhZUWtaQ25qczZnMkRCZmx1ekhPRmFoR25mNA?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21294 (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/46.json (key "21294", 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=21294
- 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