# UTICA POLICE DEPARTMENT
UTICA, NY · NCUA charter 2208 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/utica-police-department-2208

Who the members are: federal charter, government (single sponsor), organized 1937. 601 members of 650 potential (92.5% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $6.3M |
| Members | 601 (-0.8% YoY) |
| Full-time staff | 0 |
| Net worth | $1.7M |
| Net worth ratio | 27.6% (p91 of band) |
| ROA (annualized) | 0.21% (p33 of band) |
| Total delinquency | 1.92% (p77 of band) |
| Net charge-offs (annualized) | 1.22% (p88 of band) |
| Loans / shares | 95% (p95 of band) |
| Cash / assets | 7.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.02% (p20 of band) |
| Operating expense / assets | 2.81% (p27 of band) |
| Vehicles % of loans | 66% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.78% (p77 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 29% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $7,361 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $12,442 |
| Loans granted, annualized | $1.1M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **loans>95% of shares** (`str_ltos`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | assets shrinking |  |
| 2018-03 | 2 |  | assets shrinking |
| 2018-06 | 2 | members leaving | auto monoline |
| 2018-09 | 1 |  | members leaving |
| 2018-12 | 3 | net worth falling, margin squeeze |  |
| 2019-03 | 1 |  | net worth falling, margin squeeze |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | assets shrinking |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | margin squeeze | assets shrinking |
| 2020-06 | 3 | members leaving |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 1 |  | margin squeeze, members leaving |
| 2021-03 | 2 | auto monoline |  |
| 2021-06 | 3 | delinquency rising |  |
| 2021-09 | 2 |  | delinquency rising |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | charge-offs p90 |  |
| 2022-06 | 2 |  | charge-offs p90 |
| 2022-09 | 3 | margin squeeze |  |
| 2022-12 | 2 |  | margin squeeze |
| 2023-03 | 3 | loans>95% of shares |  |
| 2023-06 | 4 | assets shrinking |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 6 | delinquency rising, loan book shrinking |  |
| 2024-12 | 5 |  | delinquency rising |
| 2025-03 | 6 | margin squeeze |  |
| 2025-06 | 6 |  |  |
| 2025-09 | 4 |  | assets shrinking, loan book shrinking |
| 2025-12 | 3 |  | margin squeeze |
| 2026-03 | 3 |  |  |

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

- 2024-07-19 [Penny, the Utica Police therapy dog, has completed certification - Rome Sentinel](https://news.google.com/rss/articles/CBMizgFBVV95cUxNS1FraXdKWDRjS3NoRXV0YUNOYXphSkJyRFNKT1BrUXR0YzFzQlN3ekFQRmZWRjAzeWtSVjFDZkdWVHdoeVJZaFhUTlBrV1VISEREcG5zWW9xd2RHVWhsT3dLeXgtUkxyN1U0VnlqWjNEeXAxLW9nNUZ4OXRQekhGRDI1Qm9rQk1KZmlEekdYeE1UTXg1SllTTUNITnVjdjVtU2hiS0c1VHB1Q2VkVGdZaU1kZVJZT3JFV2hhT1dMR3p0Y25FQlRFaHlSTzBXQQ?oc=5) · Rome Sentinel
- 2023-09-18 [Officer Penny on Pawtrol: UPD Gets Therapy Dog - wktv.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxPVkQzVVBINUxtVmhtS1Zua2xCMGdKQURHRm05c2hzNzRvWG5vNUl5MTFITDZCdGtWTFhGdVkzUjBaWUxTSjVRNW52LUxQMjRVeUpKcElNNVROUnRwSzJUZUlhSWdRU3FTRzJSX1BBcXZDVmNqVEROQnk4UjQzNzlCdngzQmgwb3puZmdkaUFkcnMwRGlQMlJIZUk3Y21fX1ZpWS1hQ3R3M2dOSUoyaGZMQU05MmhINUt3T0MzOGVqLWlockVWVWc?oc=5) · wktv.com
- 2023-09-20 [Pooch power: Utica police bring on board new tool for crisis intervention - Utica Observer Dispatch](https://news.google.com/rss/articles/CBMisAFBVV95cUxNR0F0TDBWRmhON2Q0U0pyVWZaUkNuWXpDb0ZMUGF1bjFNaXdOMmlMUmF6ZE85VlFGWUVqcjBwMFh4bGppa0w3STdSRlFLYTZkbTB6VjZpbnRnUzhvc1RwTko4c2VMYzh1S3pFRjc5QUphYTBSbFMxMTVHbE1ET2VKQ1E4UTBRZGVpeVRmLWN2cGtCSUdlMTVxNnRzU1JjMUxLcU05eFdTV0dILWtHYzFReA?oc=5) · Utica Observer Dispatch
- 2026-04-13 [Utica teenager arrested on weapons charges - InformNNY.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNblE4cjdLWnJFbF9IR3A5WkJlbmtBVFRCbXhTZU5GX2xKenVFZDBMWGtTN2tSNEF4clAyUmRvTlRWREZpazViWHAtTE8xT2VmTWJBcEo0cmo2MVJLZUJ0MlptR3pDXzQ3WElpdjgzSmJZVXN2TkNqaXhtY0w5YV9MOVBOUXZrM192RFlqSEZn0gGTAUFVX3lxTE13aTZfZEdiQUh0clJhYkY3TXRJVmFzMURwdWdRVDhZOV9MQ2c1ZnVwdlRJNzVscHZIUHZvQmV3NGQ1TVVtOVF5ZkU4QTlUVTYwX1d4dmdQOFJhN1BWb0RWUVVLWHJBb2RaNWZzWkpneXFEdy0zNDF2UWdlWHFsZ3pDOUJQb1VINkw3dEhDNUpDWHhsRQ?oc=5) · InformNNY.com
- 2022-05-15 [Utica Man Arrested on Armed Robbery, Check Forgery Charges - WIBX 950](https://news.google.com/rss/articles/CBMihAFBVV95cUxNdllkTnJUV0lmamt6NXgzMHlTT1hTelE2TWZsX1lZTnBndl9DT3B6WUVJcDgxVmlldzNENkxMbUwwVHlDX2FJM3JCeTZ2T3I5MGh5M29RRWJCRGdGWXhFdHJ6MW5mTlA2QXpkOHo5cFlDYjR5WWZxZkt4M0I0Z2tXWGlXc18?oc=5) · WIBX 950
- 2024-02-16 [Officer Penny: UPD's Therapy Dog Continues Training - wktv.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxPTkdmSjFFZWxyOWNlaDRjRjZsNkw5YWtmZXhueXgtYmVvXzl5WHptLThRaE1UWlRHRjRQeG9POXZSTTlqREVsRDhuVzFrTE1YU3JycmdURk5ZMndfWFRqdTgtaEdfUGVEVHB2SWVUVFo5dzJ3TzRXSlVfVkc4MjV1Q2x2TzYxblVWTXVocjJ1dkFoQ3NNbVRUZVBlbHg5T2hJRUdHTEVZSkdZVWJsYXcyQmhzeEVrdXAyN3ZmZDk5bzlrLXV4RW41R3Nzaw?oc=5) · wktv.com
- 2023-09-20 [UPD welcomes new therapy dog Penny - Rome Sentinel](https://news.google.com/rss/articles/CBMiugFBVV95cUxPS0VwTWRoOU5yUGFOVXp1bWd3ZV9uS0NvNEQ3bmVfR1llQkFWY3ctcU1od2lrblFFNnJqOGo5RDMxcXJ6Wm9Od04ycTdSNTFMU2tUQkFtNWdFSEVETmZac3RqTkx5Y2tKQnlVSDRON2dxRmxxSlItVzJ4NzQxN2VDbHRzWWxfUnNVcm12dHFER2VLLU04d2ZmSm9CMS0welU5eEJsVWROa0ZXbGdsS2xDT2h4WXMzNmd2V2c?oc=5) · Rome Sentinel
- 2021-10-04 [Nicholas Cerro Obituary (1941 - 2018) - New Hartford, NY - The Observer-Dispatch - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQTFdXZER4N054V1V4ZUdkVFBTQW8xbFZlcmU2YnZOMkN4NTJGb2oyYWtUYlhBZWVCanVab2JEaFFhNF9ORl9DMFgwM3FnRDFiQ3VSTTdSc3FFRFMzUEJOWWVELWVrak9Bd3Z0ckdLekR5RXEtRGxxMGZtZmRsOHgybUNNX3VVSDMzXzFFM2Zn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2208 (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/32.json (key "2208", 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=2208
- 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