# BUFFALO METROPOLITAN
BUFFALO, NY · NCUA charter 2209 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/buffalo-metropolitan-2209

Who the members are: federal charter, community charter, organized 1937, low-income designated. 17,293 members of 180,000 potential (9.6% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 49.

**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 | $145.2M |
| Members | 17,293 (11.5% YoY) |
| Full-time staff | 44 |
| Net worth | $17.8M |
| Net worth ratio | 12.2% (p56 of band) |
| ROA (annualized) | 0.31% (p25 of band) |
| Total delinquency | 2.44% (p96 of band) |
| Net charge-offs (annualized) | 0.58% (p73 of band) |
| Loans / shares | 91% (p91 of band) |
| Cash / assets | 16.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.00% (p96 of band) |
| Operating expense / assets | 5.57% (p94 of band) |
| Vehicles % of loans | 31% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.06% (p9 of band) |
| Vehicle NCO | 0.70% (p61 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 9% |
| Average share balance | $4,940 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $13,879 |
| Loans granted, annualized | $19.3M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 0 |  | delinquency 2x band |
| 2016-09 | 1 | delinquency 2x band |  |
| 2016-12 | 0 |  | delinquency 2x band |
| 2017-03 | 1 | expense trap |  |
| 2017-06 | 2 | net worth falling, delinquency 2x band | expense trap |
| 2017-09 | 2 | expense trap | net worth falling |
| 2017-12 | 1 |  | expense trap |
| 2018-03 | 3 | net worth falling, delinquency rising |  |
| 2018-06 | 4 | losing money, expense trap | delinquency rising |
| 2018-09 | 2 |  | net worth falling, losing money |
| 2018-12 | 2 |  |  |
| 2019-03 | 0 |  | delinquency 2x band, expense trap |
| 2019-06 | 1 | expense trap |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | loans>95% of shares |  |
| 2020-03 | 1 |  | loans>95% of shares |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 4 | delinquency 2x band |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 4 | delinquency rising |  |
| 2021-12 | 3 |  | delinquency rising |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | members leaving, loans>95% of shares |  |
| 2023-12 | 5 | assets shrinking |  |
| 2024-03 | 4 | delinquency rising | loans>95% of shares, assets shrinking |
| 2024-06 | 3 |  | delinquency rising |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | members leaving |
| 2025-06 | 3 | delinquency rising |  |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2022-10-08 [Andy Zeitler Obituary - Kenmore, NY - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxPUEVJSm41NGRjTHpJVnZMa1FxdHBOQnZRWkdseTRjb0RXb0dySFBsejFsa2EwTnQ1bVpwU1BnUFFxV2l4ZEhBaGxYS3l1VWF2d3UwNTZMbVdmQng0Zl9iUmY5WERTRW1PUk1mOXM2RFBuT1VsMm91bjFnVW56TXRSWg?oc=5) · Dignity Memorial
- 2024-06-24 [Google Wallet adds 29 new US banks to its support list - androidpolice.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNUXFEN3FDNEFLMzZDNnNxazI3c05PWVl3MVpkb3ZQMEZ6SUdMTnZVWkpTcWJ2N0ZYNXk4SlRDaFFQUGVNMXY4TF9kUy1qMjB6bmtteXVKMmNSWWctczNlUDZxUFE1Szd6M1RRd2JWVnpGMUZIa2hvWm9LeUkwUGtkUXdlMkRqdkJSWUE?oc=5) · androidpolice.com
- 2021-07-25 [Joseph MEEGAN Obituary (1936 - 2021) - Hamburg, NY - Buffalo News - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPZU5fMzIxbHFvbkZjMzM4UGxQeXpwMVNqTGpkNG1VWVpfT2dhSlJuSGQ4WkVCaV8yUE1EdWdUVnBuTXB1b0lGT3FFcEpYODBMSmg5TEVzYkNnRDlObFBBdjAwa0FObUxHTk05NGhmTnhWbE92cDVOR3hMZEZ4QnJHZ2QtbXM1LXJFZGR4U2todE4?oc=5) · legacy.com
- 2022-11-11 [40 Under 40: Andrew Devine of Phillips Lytle LLP - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNU0NCMmdieFZUd1ZoQjN0Y1dKYlZhN25ZWEZLQ2VqUW5GZ1JsTHV5TFpzZFZFVnNPU0pGX3hvNVkyYWJvcF93RXF5WkJBOW9rc2J1ME8tMDhHT3M2bmR3dF9xVUw5WUU1V0RBdmVubW03bDRFQmdUenVVRGt3WkxNenZQNzNIOHEwY0NTdjc0S3JyVDBNYW9FSTBWX3o3M1FCanFR?oc=5) · The Business Journals
- 2009-07-14 [Cisco: Text Message Scams On The Rise - CBS News](https://news.google.com/rss/articles/CBMidEFVX3lxTE1hVmVoRzBSODRzemNnQVRuWXpjRjA2MzBYNjhyNWhLV1RRbWRHWnE4QzNiUVNISTNFVWNmeHdiM1VvVEdHUENiMG9oWjdoOXozUjNOUHNnTlF4NGJ0VDU4YXZEWnplQ2JlVnlXb1ZPaEhkNmtu?oc=5) · CBS News
- 2025-11-23 [Kathleen Frawley Obituary (1940 - 2025) - Buffalo, NY - Buffalo News - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOTlVFTnBTZWpRUEU1cF9BTWJwVUlqTm9Oa2JiVk1zaGpob3F4anNxYlYwcndiMHBNYkctNC1SWlYwQV9JYVZ4RndHLWlxWXp3b253OFRzRWt6Vzl2aTQ5R1kzVmxOc2tEQTkxelFzUDVzOHZnMWgzUkJDM3Z5WmJydFY1ZXZtUFJLczBaMEt2eEVRM0tEOXc?oc=5) · legacy.com
- 2022-11-06 [Richard ZEITLER Obituary (2022) - Buffalo, NY - Buffalo News - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQV0dYeXN4TUt0QjEwb3VBMUdNLWZwSWpVYXZuUDNGaG9SQ2lHUlFhZG5lLUNITmQ5S29QQUFfSG5nbEJOZEktcVdSdE9qV3Ztb0FqZHc4UllvbFI2TzhKeDFoMExMc3VBWkJMY0ZpcmtwQVNkWGVvN0I5REZ4YmR5VHBmaUZ0azN6TkFWa1RxcXBQcUp2?oc=5) · legacy.com
- 2024-06-25 [Google hands out free ‘Wallet upgrade’ to anyone using list of 29 banks – claim brand new perk in seconds - the-sun.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPNHdoWjJkRFlpZUVEOTJRa25UZUJqQlZSTnBxazdkMk9BT0FlWlh4Y0xiRDllUVJwN1VEZkM0QkN6MFdGWm1LQ1lGc21ITFR4VDlUYm5KUEp5R2t1cEZuME1RZ3o4UnkycXNYcXEwLURSWWZoNGxPVk03Q1ViUGRZeA?oc=5) · the-sun.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2209 (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/33.json (key "2209", 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=2209
- 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