# C C S E
SALAMANCA, NY · NCUA charter 22754 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/c-c-s-e-22754

Who the members are: federal charter, community charter, organized 1977, low-income designated. 5,832 members of 6,600 potential (88.4% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 34.

**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 | $62.2M |
| Members | 5,832 (1.2% YoY) |
| Full-time staff | 10 |
| Net worth | $6.6M |
| Net worth ratio | 10.6% (p26 of band) |
| ROA (annualized) | 1.51% (p86 of band) |
| Total delinquency | 0.12% (p13 of band) |
| Net charge-offs (annualized) | 1.17% (p91 of band) |
| Loans / shares | 50% (p29 of band) |
| Cash / assets | 51.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.45% (p38 of band) |
| Operating expense / assets | 2.96% (p29 of band) |
| Vehicles % of loans | 51% (p63 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 | 1.87% (p93 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 13% |
| Average share balance | $5,379 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $14,018 |
| Loans granted, annualized | $10.7M |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)

## 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 | 1 | delinquency rising |  |
| 2017-06 | 1 | net worth falling | delinquency rising |
| 2017-09 | 1 | delinquency rising | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 1 | net worth falling |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, delinquency rising |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 0 |  | net worth falling, delinquency rising |
| 2020-12 | 0 |  |  |
| 2021-03 | 3 | thin capital, net worth falling, margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 2 | delinquency rising |  |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 3 | net worth falling, delinquency rising |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | thin capital |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | charge-offs p90 | delinquency rising |

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

- 2025-02-12 [Daniel Gerard Kruszynski - Olean Star](https://news.google.com/rss/articles/CBMicEFVX3lxTE13TlZLNE11SUJ5YU9GVVVpZjdZbU1JTmN4TmV0bFgxbXoycFRRanNZT1lSVW11SDBKY3dYTXpqaXgtcWlkLU1feVJhOGdlclNnRHBfYTRwUnJWdjZhSV9IVnZSSjI4SE1KOWpLWkFHTUI?oc=5) · Olean Star
- 2025-05-17 [Susan Ferguson Obituary - Spring Hill, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQQmU4dXU5X2k1SEVwOENwZEhLd2U3UkV4QkdtcXoyNjBhd1NKemhGR0JONVdyN0tQUmZnZlZIV3dub3BfM0twRHJPMFdmS0lWektaRFBuck1pVnlITG1zY2pxWmNBdG1MdkJhQUJqdC1HSDk0d0NGTTZwRWYwdmt6dzFUZFBrQkJS?oc=5) · Dignity Memorial
- 2025-02-13 [Daniel Kruszynski Obituary (2009 - 2025) - Ellicottville, NY - Olean Times Herald - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPbk4yWlV6bUZsSS1Nbl9MRTdMbkxSNVdfZU9jLVkwNzVDU1JUeVZocjJHd1NtaEZaYmNYbnpGb1RyUGpfYTdQN01PSG9vZ290NEo3cFJscFBNVlhIT2l5LTVjX1dHQ29EZVcydC16SXV2X0xVajBRUnp3UlVUOF9jLTNOb201NDZRZlAzbTl5QkU0ZDBqaXBSWVhTUEhUZw?oc=5) · legacy.com
- 2025-07-18 [Sheldon Smith Obituary (1992 - 2025) - Salamanca, NY - Olean Times Herald - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQbXYtaUxPb0hEQkt3TVhlSWpLejR4SEpuV2RLMmdQSGE5S1N0NG11ZVNwWlJMWVRvVkwtdjkxMFFuVF94Ni1YaHRNVG5SNjhvb1JtMC1IT0RrU2N1cXNfMldKZWFZTHlXSGxDM3BlYWppd1hmWU40Unhud0Y0TF9OeV8wc1NWcFhGajZKcWk0R1EzU3RxRlpjMQ?oc=5) · legacy.com
- 2021-11-05 [Laurie Urbanski Obituary (2013) - Salamanca, NY - Olean Times Herald - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQZGZXOERUNU9EcXQ4MUpnelMxa3ZRbEM3QWQtNnY1RnFzeF9USVZ4U3pkbEJJY2NZdzBRMC1XTVFYOTVZMldUbVJtTU1vWHhkeW9vSy1OY081Vm1Tc0dmY2N5a21LY1p1YV9YZU9KaGlIeGloMF9HZmxhU2E4d0cyUXJIaGg1TVFGM2hUVW9faER3S21qYmFkZ241bw?oc=5) · legacy.com
- 2020-08-11 [Robert Coleman Obituary (1942 - 2020) - Great Valley, NY - Olean Times Herald - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPUGQ3R2ZxNmswWmRYNnlnQmk1Q2tvVk1wTmt6Mlh6dkV3TG5tcmpxTS1WbUVrR0RNNEdMbjdXYnBkVHBDUm1OeXBfQXhmc00yTkVhNm55Sk55S0NQMzgyd2tlbU1na2dad2x2Nzc0VVZrRU5rdzVNMDJFbE5FV2xBdmJFZWVhM3NWcWd3YUpVLXRod3pNazVpcGVn?oc=5) · legacy.com
- 2020-11-03 [Joanna Roblee Obituary (1928 - 2020) - Great Valley, NY - The Salamanca Press - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPN0VMRkJPMDE0cnFQSDJXQzNIdHVJZ1M1M1ByQ2NZNlJhbnRHbzdOaG5weFV0dkc4b2M5a3RZeVdNUXh0WElnZUVONGswVnktV3ZEbG40Zng1SUx4ME95LUNGeWVUTHdldjV0VGVvNmtCdk9BN01iblUxRjUwVFlwcElLVTdCTno0U0p3Z1F2RXdua2pSeGc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22754 (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/34.json (key "22754", 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=22754
- 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