# MONEY
Syracuse, NY · NCUA charter 22566 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/money-22566

Who the members are: federal charter, community charter, organized 1976. 3,189 members of 725,086 potential (0.4% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *quiet fade*. 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 | $52.5M |
| Members | 3,189 (-7.5% YoY) |
| Full-time staff | 9 |
| Net worth | $7.0M |
| Net worth ratio | 13.3% (p56 of band) |
| ROA (annualized) | 0.36% (p33 of band) |
| Total delinquency | 0.29% (p28 of band) |
| Net charge-offs (annualized) | 0.04% (p24 of band) |
| Loans / shares | 46% (p24 of band) |
| Cash / assets | 10.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.85% (p12 of band) |
| Operating expense / assets | 2.85% (p26 of band) |
| Vehicles % of loans | 30% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 20% |
| Average share balance | $6,783 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $457,488 |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $19,996 |
| Loans granted, annualized | $5.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $457,488 outstanding purchased (6.5% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -4.8% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2026-02-25 [NY-based credit union will open its first downtown Syracuse branch this summer - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2026-06-10 [Best Certificates of Deposit (CDs) in New York for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9SbHNnc3dBMmNhWkdFVWYtVWdNbkcxYng1V1NZeTNKenY5dFhSdUxtakhMbVpkc3lHNmtZRF9JYUdpb3pDSUQ1UVBrY245eFFJSzY0Wmw4YlpzYVhNZm1ZRWl1WmNyMTg?oc=5) · moneyrates.com
- 2026-01-30 [Tips for Lowering Your Credit Card Interest Rate - The New York Times](https://news.google.com/rss/articles/CBMiigFBVV95cUxQdHByVkJCM0hGN3ZGTnN2dG0tdEVDdkFUc1dOVkZRUWkwekRncHNNWkxwWUk3WjhvdjFwR0psaU9BOG1SSnNxMkRwaG9KTHYxeTVkeV9hZ2VjTEFCaEZmU2ZDamNLdlgzZ1JPaDZkOEEwcjUybkpVZlMyVXFCZ2FVeDU2Q1RVUXdYbkE?oc=5) · The New York Times
- 2026-03-04 [Man, Accomplice Try Withdrawing Money With Fake ID At Credit Union In Mahopac: Police - DailyVoice.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxQR3FDcWZNcVQ1TFVheTFEUWx1UVozZDNWUEVUUWtaTlpmNVJQMGNiU1VkSXB3UmpWX1VlNlZiZGhhRk1nOV9HRlJjZ21TYS1WNEtNcTNSckhIai1tTTVnQ0pVRWJQVGdhVGhLbnZWcURGTGo3TVpObnROVWFhaTZZQzBORGNhZmg1WE1vcXlHeWpXTWxEa1drQ0RtRk15LTRTVFlGRm9Zbm5FUmJFc2xFVWZ3Qkh1Zw?oc=5) · DailyVoice.com
- 2022-08-30 [Somebody Actually Started A New Credit Union. Here’s How They Did It. - Next City](https://news.google.com/rss/articles/CBMiowFBVV95cUxQREZsRWVqVTMxMGtFNHkyZjdtNG5fM2Qyd0lTTGVWQ2R4VE1XM25QUWFJbXZkdldnZXJLVnVMVExSSVIwLTBTcTdsNXZMV3dsTGZJNWxHN0poMzhGb0hEQm1sVXM5YWNNQkpvRGUyNHdVWklXdHRGY2k3TG9oRTZpUmtfR0plMkRNVmdMSzR5YjIyY0cwRmdxV1AxWTB5RUdsaTNj?oc=5) · Next City
- 2026-06-29 [20 Largest Credit Unions in America | Banking Advice | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMigAFBVV95cUxPTGo3NzJqcExQdW1NT240R08xaGVXT1pFZHBGS29RSG9UaUJQaWkxV3RrbEZheE5jWjRlUmp0am5oQ3V6SFh6U2lIQ2NvaWtKTnhsNko2TU0zYXRhWUFEb0ZBUWFJUkxYWlQ4eVBTWHFmNjZkbW1QOXg1VnBDbExpWA?oc=5) · U.S. News & World Report
- 2024-02-01 [Oswego County Federal Credit Union Announces Increased APY & APR Rates on Money Market Accounts - Oswego County Today](https://news.google.com/rss/articles/CBMizwFBVV95cUxPZ0pTQkdyOHozN2p0Yy0xSVpyRlpQYlFvSW0tUXNiMGw0bFdTWXVEZjBxMnBSMm5CTGtCNVB3WmRYNWgxMTM1ZEZiTnRyOVRzNFR3VkJqNDNadkNhNmhqQVlvY0d3VUZNeHZOSzI5OTZIOVJCaFJvX1NqSEZZcjZWSGtoUUpyU2h0ZWhscTJxMGo5TlRhZFVNOXhLQkhsR0RvRk5vX2J5MmxVMDNwRFhfdldwWDJudkJkdW1GSjdvUmllTDMtdFh2b2kxU3VORWs?oc=5) · Oswego County Today
- 2025-11-12 [Mayor Adams, DCWP, NYC Public Schools Announce In-School Banking Pilot - NYC.gov](https://news.google.com/rss/articles/CBMitgFBVV95cUxOVTdJUmhpWTVvRUhvR2pJOF9rdG1TcFZOWl9zc0xIZ05NVGhDZ1RoQjZKY2dCdktDc1JoRDRZcUFMa3ZjRzhENF9NVU1ydWsyZFlUX3ZkM1RDenBCNFJYd3BVWEpGSDh2NDUtQnFKNGg1cTM0VjBWcWFYS3FlSWpPdTkzcGZlR0hGSXdsbXV3YUw5cDNERXExTzRtRnpEZmQ3YmFCMjF2aTlOakh1aXVUaGptUjREQQ?oc=5) · NYC.gov

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22566 (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/38.json (key "22566", 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=22566
- 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