# TONAWANDA VALLEY
Batavia, NY · NCUA charter 22167 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tonawanda-valley-22167

Who the members are: federal charter, community charter, organized 1975. 12,996 members of 904,782 potential (1.4% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 68.

**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 | $167.0M |
| Members | 12,996 (0.1% YoY) |
| Full-time staff | 39 |
| Net worth | $18.2M |
| Net worth ratio | 10.9% (p39 of band) |
| ROA (annualized) | 1.23% (p80 of band) |
| Total delinquency | 0.17% (p12 of band) |
| Net charge-offs (annualized) | 0.09% (p20 of band) |
| Loans / shares | 59% (p31 of band) |
| Cash / assets | 36.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.68% (p49 of band) |
| Operating expense / assets | 3.24% (p34 of band) |
| Vehicles % of loans | 38% (p52 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 7% (p40 of band) |
| Vehicle delinquency | 0.04% (p8 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 6% |
| Average share balance | $5,895 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $9,813 |
| Loans granted, annualized | $16.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## 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 | 3 | net worth falling, delinquency rising |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | thin capital |
| 2019-03 | 1 | thin capital |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 0 |  | thin capital, net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | thin capital |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 | assets shrinking | thin capital |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

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

- 2012-05-07 [Tonawanda Valley - TheDailyNewsOnline.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNQXhzRTRZUU9fdXQyekhEOERSTmdueUh6elZlT1R5MzNCZTN4cUswMkhkWmFxaWFXWmk5VENaODZJR0dUV05CY1E5b21GUVBGM2pXZnJ5MC1XaDcwUTZDajlabmdnVlFYWkg5X0xQSkRtZjhXTnhBZHZ1VFNwM0stQm8wZjhfcDFFa2JocXFDcTBxdS1zeThvNTkzTmZ2aklueU9N?oc=5) · TheDailyNewsOnline.com
- 2026-04-08 [GENESEE COUNTY/Chamber of Commerce hosting their Annual Home Show this weekend - videonewsservice.net](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOaXQtWk5yM0xfVWxhX0pVQW90UjhSZndFVzJpM0xYVDB5cDcwbFJLRHE5dS02RDJaSmFXM2huSTFYaGxCOWxib3UwcGx0LWhaZmtuYWVSdFVJYW5YeVJlMFV4cTlHMWcwZ1RGV20zejdTbmFQbHNZZEhYWm9oUTBKMGlFTnA2UFRtSUtqZGVyZno4N0o0ZEVxSjNpVWxpRE5NbEJrb3MwWndSQmdnZ0d2dmpxOW84X0tKZTdRbGR0SkduZGRmQkItaw?oc=5) · videonewsservice.net
- 2025-04-11 [WBTA's innovations, commitment to community lead to BID's Business of the Year award - The Batavian](https://news.google.com/rss/articles/CBMivwFBVV95cUxOZzFrOEhBSm1hM2Z5TEg4MTRzdzdZd2hpMmFsbUFKejQxcEdJWmdUNmYwVE1HSzh0T3JLQ1R5cmMwR3huYlJQY1laZEVLc0lmTEVsU2tkaFJrLVA2M2F5TS1kZVlYSy1aN1lhS2w2S2pqNnFEbHNVYUR3d2xUanRxa2otbUlLLUM5TEZpaFJwLWFlNkYyLS05eC1OdUQ2cXhjVTdNUFYyeGJ0Vi1NNWNsejkyZjJuSWItWFRUZENBbw?oc=5) · The Batavian
- 2025-12-05 [GENESEE COUNTY/Leadership Genesee Graduation-Class of 2025 - videonewsservice.net](https://news.google.com/rss/articles/CBMirgFBVV95cUxOZ0JlRTJXT0lNZGpmQ19wWWI3azdoMktoNlktODJXQXU1bVhtc1lFVWZEb2ZPeURpNGVVVy05X1h0akY4WGdVR29uNldTZjhwWHdKQkRJNUctYlN2VzJwMGpLbVJYOUZNVnJvRDFTRHlJU2NHanViOVdxNTZZS2FwaXBUYkV1TW9WeF9zTWdBVUlMdmp6TGU0U1FiT0ozeDRDaUFxOFJhQmdjVzZ2cHc?oc=5) · videonewsservice.net
- 2026-02-06 [Leadership Genesee Announces Class of 2026 - The Batavian](https://news.google.com/rss/articles/CBMilgFBVV95cUxPZlY1bVVBaTJKVGdlbWxhUWRmaGRsbnVFOFVELVdNZFlmVTZXa2VoNll4a1lMVEVnY3RSUjI2bFdyNFI5dmlTSTJyWG51WTdxWW9PTWU2OEQyM2tPM01rYTZUX0ZKa2gtUDcwbVFSOHNhQWR6dDVValdBckoxYk1LSzFqQ1ZNVHg4bXVoTlJySFFsUUIxS2c?oc=5) · The Batavian
- 2023-04-24 [The Batavian hires Kara Richenberg as publication assistant - The Batavian](https://news.google.com/rss/articles/CBMirgFBVV95cUxNY2NVcTlVZUFZeXF2ZHNvbVlLYzUxVTF2WXNPbUlwak5meVJ4MDBrMmc1MTV4aV9jTnB5V3I2Y3NQOWlfSi1SUXBPdkRSci1RZnd6WGYtYVVWNlZTd2lkaGZ6dGpKSUFlNVBoaGRYV1Qxd2VJMU55eUF0R1FEUC1WNmNSYUNteEpBSXJsUU9qZTVQSjNna1A1OUxIY05KSDBSR0Y2S0RRamE0YWVRRXc?oc=5) · The Batavian
- 2025-08-06 [The Batavian announces new local business promotional team - The Batavian](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNbXp3dEh1OF9sY0dlX1RCYms1U05mMGVPSEdBWFVoM01fTUxqSkpsTmROZXpVQ0Y2eFQ4aEJ0SXcwTldld1Nsb2xBSERFTTRKWVpIZWZ6WkE3TmxoMHUwM3pqbHdNT2ZuaVRCV0EzMzRyVkNmdU9sMDRuV3dpVEtKVHdNaHR2RV9vbmNHVHk5LTVaeW5VZXQ5UFlaeDNqWllza01mNnRXNkFqdw?oc=5) · The Batavian
- 2025-01-30 [Leadership Genesee announces Class of 2025 - The Batavian](https://news.google.com/rss/articles/CBMilgFBVV95cUxObVZrYXZQcTVhYkl5dEZ1SlRWR0ZfSUJNVGtDTHBlZlg4WnlmaTBYN2dMUGk3bG43ZVE4cEVNdksxSVdjc0Z1VXlQR3JzeU1uZ3VnbjhpdmtqX3VkLVVjQ2NyRXI2dzBfUDdPWmhOTzBtREFJVTk0UzF5bExCZzd4MVN2M09CbUxVeUQ5aUNuajZ3YmNtS3c?oc=5) · The Batavian

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22167 (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/23.json (key "22167", 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=22167
- 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