# SUNY FREDONIA
FREDONIA, NY · NCUA charter 21851 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/suny-fredonia-21851

Who the members are: federal charter, multiple common bond, organized 1974. 3,330 members of 5,000 potential (66.6% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *auto monoline*. 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 | $48.2M |
| Members | 3,330 (-0.4% YoY) |
| Full-time staff | 6 |
| Net worth | $8.7M |
| Net worth ratio | 18.1% (p67 of band) |
| ROA (annualized) | 2.74% (p97 of band) |
| Total delinquency | 0.33% (p38 of band) |
| Net charge-offs (annualized) | -0.08% (p12 of band) |
| Loans / shares | 40% (p25 of band) |
| Cash / assets | 6.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.79% (p46 of band) |
| Operating expense / assets | 1.52% (p5 of band) |
| Vehicles % of loans | 80% (p83 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.30% (p44 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 8% |
| Average share balance | $5,910 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $7,978 |
| Loans granted, annualized | $5.3M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 3 | delinquency 2x band, delinquency rising | net worth falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | delinquency 2x band |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 4 | delinquency 2x band, delinquency rising, members leaving |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling, delinquency 2x band | members leaving |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | net worth falling, margin squeeze |  |
| 2021-06 | 1 |  | delinquency 2x band, net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | delinquency 2x band, members leaving |  |
| 2022-06 | 3 | delinquency rising | delinquency 2x band |
| 2022-09 | 2 |  | members leaving |
| 2022-12 | 3 | delinquency 2x band |  |
| 2023-03 | 2 | assets shrinking | delinquency rising, delinquency 2x band |
| 2023-06 | 1 |  | assets shrinking |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 2 |  |  |

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

- 2026-06-06 [11 are recipients of SUNY Fredonia credit union scholarships - - Observer Today](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQS2dsTmxxQUthUU9oYUY0V1NKc2E4MWJxdUJiZlBSTnRJSVlGZVFDcno1VkFjZFFIbGJSRGNiM3RHN045NVBtZm1QMTdqS29OUUZtSG9ZckFSMEZBTXlWTW5Rck5HamZIbV9yRGJpMUsxa1dlMDhwWFRoYkZMQW14Q3R2aE0yNVJMMWNLbTJCRVZjUExvNXdZbWo2amxFeklJVHRXRUdFSjJjS0U0ZjN4eVdRTVhwVjhm?oc=5) · Observer Today
- 2025-10-08 [A Golden Anniversary celebration for the credit union - fredonia.edu](https://news.google.com/rss/articles/CBMiigFBVV95cUxNRjRMOE9qV0xLbk0taGlNU1lWQ1hZRXRpejdNU2QwUzBRWGZiUjg5SjZmbExEZUZ5SHlRWmFHVElBcDV4Z1k2b0k0M1FyNF84UTJBclRqd3hkcngtcW5xVlU4TUhmXzVXVjgzUGc1THdITlpmRHNnS184Ym11SjRCc0prR1N6VGlEYUE?oc=5) · fredonia.edu
- 2026-04-15 [Southern Chautauqua FCU Helps Create Bicentennial Mural At SUNY Fredonia - - post-journal.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQZDl1a2Izb0p1OUhvX1pkRlJ3NHkta3ZyeDNiNnpjQzkwcjFIZ1U3c2lZbmw5SjEtWjRDbktWcWt1RmNkSFNmbW5RckpUYTR5RHBGb0xhZ3NYakptN004Q1FPTGV6cHM5d3R2V0Npb2pQSHVtR3YyUHJ3R2N2c1RUQ2U5QnJVUEpnR2JWX3NOR3ZybXMtMWVzR0xfWnhOQnpmNVZVLUhjSk8yQVBGUUhtaUFMSVhrRDY5YUN3WjlGc280c3M?oc=5) · post-journal.com
- 2026-03-31 [Southern Chautauqua FCU gift will help create Bicentennial mural at SUNY Fredonia - fredonia.edu](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNeWtFdWZJNnZSYnI1cU84ODlRNTI1eTF1bE5USTFBckp2blpmaHBjUG1DeWtjWVJaaVpQNjlidEV2Wmpsc0NTZ20xSzhYWFhiQ191MTJiLWY1bVF0bmR2TE15V0JnVS0zSWpnWkkyM2dod3hrSE1FdXVzRFpLQzVZZjFVQlM3SF9GSkMtWWJZRkIzcDFZdmswTjBoa2hDMEdvSi00cXl0UWp3a2tUaGNNc1RFOEVQQ05j?oc=5) · fredonia.edu
- 2025-07-10 [SUNY Credit Union marks 50 years - - Observer Today](https://news.google.com/rss/articles/CBMikwFBVV95cUxPLVJjN2VER09TVGZJVTg4T0pBTlQ5SGp5TjQ4VjY3Ql9SR09EQTAzOVVOWWpLRW9FNTBqRlJyeXYxVHVqZkhveERGN2hxYy1lb2YxSTk5THNvakRsWWNxNGQtblMxZ1UzMlB2d3cxRTlmRjRxVkt0NHVRNkJNNkNXcFFfeUdINnktbW5aYTRyd3hacWs?oc=5) · Observer Today
- 2025-06-15 [SUNY credit union names scholarship winners - - Observer Today](https://news.google.com/rss/articles/CBMioAFBVV95cUxOVG9PSTZGME5mQ0JTWl85TWJKVHdrTFN3V2NXRUlFN3JBMWxZeElsOHNWcUl1cUJ0cXNkLUFTa01lRFJKZlBzeF9oRldtY29wZnVvN1BOQ1lnZmJsOWRoYlEyeXFfZlY1STMyVmZOREZEVEI2aDEyNWRhRnlDR0xXM2NJNldJdXFhNk9DVzdfTEZoYkJCU1lRMFotR1BDN1Fx?oc=5) · Observer Today
- 2005-09-13 [Mark McCartney Obituary (2005) - Harrisburg, PA - PennLive.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNbWJWRjVaZ1VobDBfZDd0WDFNY1loRnhwOFVScGt4SHg4VjkwSnI3dG55QzEtNkh3Y0sxTVVCaElfbnVfYTVCWnBCTVJzZVpHWkUzZUFyUlBUVUtZWlA5X2lhLVo4U0tWT2NlTDhrSlh0R3FFT01PZkd0bkxRMldaMl9YdExRYjFGOHZrTWF0cENxZXM?oc=5) · PennLive.com
- 2024-07-07 [SUNY Credit Union lists scholarships - - Observer Today](https://news.google.com/rss/articles/CBMinwFBVV95cUxNbUFLaUN1eWRNQUFaY2cyMUJfSkJjTExiMENuWE9WQzVwbnhJQU1tNEpRRy1waEl2Z3dZUVJaZXZHRGUzOG5zaVZCQXhRblF0N2hLM3pmbE5RMGFZVUt1cVBOU3d6MEEtRXl0Y0p1QTEySUlCdnRRdDE5LUJTc1NxWGV3M0R0R2RNSUpjN2VseGE5ZHNFMkJYbUdieHo5SGs?oc=5) · Observer Today

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21851 (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 "21851", 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=21851
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide