# COLUMBIA GREENE
HUDSON, NY · NCUA charter 21878 · asset band <$50M · latest filing 2020-09 · stopped filing after 2020-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/columbia-greene-21878

Who the members are: federal charter, community charter, organized 1974. 4,633 members of 110,507 potential (4.2% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *ordinary*. 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 | $35.8M |
| Members | 4,633 (-1.7% YoY) |
| Full-time staff | 8 |
| Net worth | $3.4M |
| Net worth ratio | 9.4% (p23 of band) |
| ROA (annualized) | 1.14% (p90 of band) |
| Total delinquency | 0.38% (p41 of band) |
| Net charge-offs (annualized) | 0.47% (p71 of band) |
| Loans / shares | 59% (p58 of band) |
| Cash / assets | 39.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.79% (p81 of band) |
| Operating expense / assets | 3.63% (p65 of band) |
| Vehicles % of loans | 54% (p43 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.65% (p61 of band) |
| Vehicle NCO | 0.62% (p80 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 93% |
| Certificates % of member funds | 1% |
| Average share balance | $4,058 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $10,820 |
| Loans granted, annualized | $3.5M |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **loan book shrinking** (`shrink_loans`)

## 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 | 5 | capital below 7%, delinquency 2x band, delinquency rising |  |
| 2017-06 | 4 | net worth falling | delinquency 2x band, delinquency rising |
| 2017-09 | 1 |  | capital below 7%, net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 | delinquency rising | thin capital |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 4 | thin capital, net worth falling, margin squeeze, loan book shrinking | delinquency rising |
| 2020-09 | 2 |  | thin capital, net worth falling |

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

- 2026-06-24 [Hudson Valley Credit Union Invests in The Next Generation of Community Leaders - citybiz.co](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPNFFyWnR5NzdVSW5PVm9zN1BtQlQ0N20xY0tVVUhuYlJPV3NfdUVYcGVjVFNmWHhGV21KdDBJbXh5UmhvZVJELXUzQWZkNFp1UzF5VUxZRVpLU2JtU3JidjBhU0UtaXRhRG9Zc2JMRk85dG5FTmZKeDVFenU2WFR0VmNDS09KU1h4RHdDMG1wbFU0bDlRODhKM0VtZ1NiWUp4S0VBUVNKYlF4VjY2TzZFclFXT3FKazY0?oc=5) · citybiz.co
- 2022-09-09 [Sunmark credit union's rapid rise to $1 billion in assets - Times Union](https://news.google.com/rss/articles/CBMipgFBVV95cUxOaGJnMWdCeXNqVXdKNzBrdFBYTUphZ3RoS0RBbzQtSUlYWWstZksydzVPMHNGd3ZmWHFWcEM4UW1pLUwzQWN4UmdaRUREMklFQ19xeGVxSzg1bE42T2NzMENkOHRGRENPV0JCeW1XV3hTQ2ZHX2liVXA1SVR2Yk1OYUZMNklLckhxS1N2S01sSWs1dmpFa1hTMHBnazV4M2RCZWNpaDhR?oc=5) · Times Union
- 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
- 2019-07-16 [Sunmark seeks charter change to expand coverage area - San Antonio Express-News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOTVFUd2RYTVJ5amZFV0dYa2ZEZVlZcUFHR1NTbVp4cVpMRzZjbjlEWm1iSWE0YXN0dG1GTEQ3cXl5WU84OWh0bHY1d0pwanowZlR1eklvLWpMcFA5ZU9GUnVkS1A1SmVnRm9kdklmaWJIcEdfWmgwWWhPN3c2Y2tIS3VPU2p2bmIzVlAydVdwYTNQQlpXVTZGdG9MaEhhS3UtMmh5bjlLODg?oc=5) · San Antonio Express-News
- 2024-01-10 [Hudson Valley Credit Union to acquire bank - Albany Business Review - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxQLUlkeE5HNl9NYm5VRDhIYnRfTGVRLXB1S2JudW9Lck1HVUlVMTdfeUhxdnhFQVpsVmc4bl8tMldfOE1DdkthRkFnd0dfRjU3NV8zU1pjLU1pYXIzejFRY3lTR2x0blBJTTBtb3RBRGk5b3VoYnlWcXJuM21CdUFoRFhVN3B4bldEdS1GN2o3eUdaN1phU015WFc4MTlXUVE?oc=5) · The Business Journals
- 2017-04-11 [Catherine Libruk Obituary (2017) - Colonie, NY - Albany Times Union - Legacy obituary](https://news.google.com/rss/articles/CBMinAFBVV95cUxOcGpiVUdrcWduVGQ4TGZMT3F2R1doZURFZGkzRFhMSDBRR1pFd3VtQnY4S0V1aWFscm1vUjhpQVR0SXpLNU5ONXhFYzZoTi1IT0UwWUU1aXdGMHFzNERWN2N2TUg0dkd4cEtpeTVud0kweGJFN1I0ZjVGWElQdXpXSXBCVVNZUnBHOS16Q1pHNWVETVBSZV9SWlBmdDQ?oc=5) · Legacy obituary
- 2019-06-27 [Linda MacFarlane left banking for a different kind of lending - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxPNWRZaF9MQUVMR3JNM3ZGSjRFQzhCUlVrd1FQaDlxSVRSZ3ZET1VROFVCcGpFeFFkYk03enZQMDJDVl9UYS1YLUlrOXRQOEt4Ym9hVzdoVVNtdWdvNEJNbUVMVlJBRXAzQTY0QlpNZFk0WUpOQ0RuRkI4Vmo2Mk8zSVdDMlVadUxOci1RYTQxQU5mZEdtSTVBcVFjTmY5SDZz?oc=5) · The Business Journals
- 2020-10-28 [Sunmark Credit Union expands with Westchester County acquisition - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxNTE1BcmIweUtMdVZuLXdITDFxUGZTbGZMQl8yZnlYbTdDU1lDTUJQS3lEbTI3bUNjZEVmdUluM1ViNHpQa29ZanR2T1VHQndoXzhfSVNIMUVCZmJxN250eFg3ZUFWREVnd25RNDJDSEdubW1YX21oY1dQeVBwQUF6bVptNkluLUZ6SlRyaURxRVN3ZWVDcGtVRXRB?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21878 (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/54.json (key "21878", 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=21878
- 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