# KALEIDA HEALTH
BUFFALO, NY · NCUA charter 22220 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/kaleida-health-22220

Who the members are: federal charter, multiple common bond, organized 1975, low-income designated. 3,244 members of 148,000 potential (2.2% of the field); checking penetration 22% (share draft accounts per 100 members); loans per 100 members 24.

**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 | $20.4M |
| Members | 3,244 (-3.3% YoY) |
| Full-time staff | 6 |
| Net worth | $3.4M |
| Net worth ratio | 16.7% (p61 of band) |
| ROA (annualized) | 0.69% (p56 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p22 of band) |
| Loans / shares | 70% (p68 of band) |
| Cash / assets | 12.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.07% (p58 of band) |
| Operating expense / assets | 4.17% (p63 of band) |
| Vehicles % of loans | 68% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 7% |
| Average share balance | $3,278 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $15,597 |
| Loans granted, annualized | $4.0M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

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

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

- 2026-06-11 [Meet the business leaders on the 2026 Power 200 Women list - Buffalo Business First - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxQd0Zqd09pLWw2NkZQYnVzSVRtenVaZGtieDZvNm4ybGkxeUJjZzZRLUE3eGhZODNzRm1ydWdLaDRxSVhGRjJNVVludDM1STEzNEJjZHFJR05MYW02eFJmZElERzZvM1h1Mnlvcm00WTlmdFBXcWxvcXM0VHhtNzJ0aE5fWS1TUnVtTGxiZ2gxckZxVS1MMFVscE13?oc=5) · The Business Journals
- 2025-11-03 [The Ultimate Guide To NFL Practice Jersey Sponsors - Zoomph](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNNmNWdVZlS08yZTh0aGpYeUozWkJZWGljTnlSU3U2MUJ0UmRKdUU4UzA2a0dUUHRRR2NELWM5VG40VV9WV2w1OUs4NERFMk80ZTIxVlNKX19tM3BjZTJmQ284WDVkaFBPRlB3RWFVYUVFN0VkalVWcjFRVERULWE5M01RSlo4cnlU?oc=5) · Zoomph
- 2026-08-17 [Power 200 Women: The complete list for 2026 - Buffalo Business First - The Business Journals](https://news.google.com/rss/articles/CBMigwFBVV95cUxPMUlKTWYzMTNycW0xc0N1ZHgySXpsMVlhb2JLTDhmcGhyZEFHWVRSOFlhZHlwNURjZ2xsUGtaSTljS2NUdk00aWp2NU1kTDUxSnI3bXBlc0ZpNjF2OXNIU3QycnBBNmxQMW96VlBOWW5tS3VnWmtpZ1RKN1NqZHZTdDB0Zw?oc=5) · The Business Journals
- 2024-05-08 [Introducing the business leaders on this year's Power 200 Women list - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxQNERHVy1SVWNKbGt5MVdaakhyYUlyVi1DV2EwWV9GU3dYV1hiYmxPemdCTXdTcmZMTk9rQkRDSWxNdFBHeEpJdkFrY1VPVmZfcUpRTmF3RThHUXFNWVBqYlFBcGlFNFhaN25kNFlHQXFvUGU0Ym9fNG1kRmZTYXdMU255Sk50T3lsVjBSZGM2dHl3aDl3Ny1Ta0R3?oc=5) · The Business Journals
- 2025-07-14 [Power 200 Women: The entire list of 2025's impressive women - Buffalo Business First - The Business Journals](https://news.google.com/rss/articles/CBMigwFBVV95cUxNWGxCZFg4Tkx5bnMybnozdE1SYVBHWFBpWFA0MUM0TjlBcFlBMnZZWGE4SXpmajRnX2FFRmt3ckRuMlVEejkyZFlmNGM1VzF3N1R2WVdsRENJN0p4LTUycVNOb0NUTGtUWWladGFidmJaUVZBUlVsTHBxdHZ0TFBDT01sdw?oc=5) · The Business Journals
- 2024-07-15 [Power 200 Women: The entire list of 2024's impressive women - The Business Journals](https://news.google.com/rss/articles/CBMigwFBVV95cUxPOVRjZWlVek5GcV94R3J2cUM1Z1lHWVZXSVFSLWJuekpOWG9TeDlUNVA0dnNhLUlKZ3VibzRPOERNNS1WdExPYm1PNlJIdVYya2U3OFhOZUs0TTU5NEdoYlI2NVliODJVMUQ4T1dSejhtazR2bHBXYUxLdDBQbXRRRjhVZw?oc=5) · The Business Journals
- 2025-03-31 [2025's complete Power 250: WNY's most powerful people, No. 1 to No. 250 - The Business Journals](https://news.google.com/rss/articles/CBMijgFBVV95cUxOWnE5clFwZnNadnhUMEhuVXlMUl9RTHNDU3UyV2xJbFB0d2w5bnhjQy1WZ1k4LVV4U2kzVHltdlJFQVU3eUxVMHh3MVFtN1F6X2c2MFFBOEU0M1Z4X0ZmbVoxdHFnaEhrV3dNVVczb29SSk8teHVkbEI1SzE2Z0w2U0QtSGpKeWlrSGZmZW1n?oc=5) · The Business Journals
- 2023-07-18 [Power 200 Women: The complete list of 2023's impressive changemakers - Buffalo Business First - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxNS1BvdFpveGJzQW9PblU0YThBbmRoUDExbnhQY0g2ZXlQNmV3TjhDeW5aQ3pUSHBCdGt4bjZQOUZPRURHSkZCY1U0MzJOT185VFBYSlFRLVgtUFEwalRibU1NT2ZyWjB4ak5ab3c1ZThNVTBmaDczSEttVXJWX1JXZGZoVW5LdWI3Vm5Ub2tqdjlIU3pCcGc?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22220 (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/12.json (key "22220", 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=22220
- 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