# G.P.O.
NEW HARTFORD, NY · NCUA charter 22931 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/g-p-o-22931

Who the members are: federal charter, community charter, organized 1978, low-income designated. 43,222 members of 519,842 potential (8.3% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $621.7M |
| Members | 43,222 (4.1% YoY) |
| Full-time staff | 121 |
| Net worth | $71.5M |
| Net worth ratio | 11.5% (p66 of band) |
| ROA (annualized) | 0.85% (p63 of band) |
| Total delinquency | 0.44% (p35 of band) |
| Net charge-offs (annualized) | 0.38% (p47 of band) |
| Loans / shares | 58% (p10 of band) |
| Cash / assets | 18.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.33% (p42 of band) |
| Operating expense / assets | 3.59% (p52 of band) |
| Vehicles % of loans | 27% (p47 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 5% (p18 of band) |
| Vehicle delinquency | 0.26% (p19 of band) |
| Vehicle NCO | 0.27% (p16 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 29% |
| Average share balance | $6,277 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $102,898 |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $13,883 |
| Loans granted, annualized | $81.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $102,898 outstanding purchased (0.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 9.2% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 3 | charge-offs p90 |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 1 |  | delinquency 2x band |
| 2018-03 | 2 | net worth falling, delinquency 2x band | charge-offs p90 |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 1 | charge-offs p90 | delinquency 2x band |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 3 | net worth falling, margin squeeze, charge-offs p90 |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 | delinquency rising | charge-offs p90 |
| 2021-03 | 2 | net worth falling | delinquency rising |
| 2021-06 | 0 |  | margin squeeze, net worth falling |
| 2021-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 0 |  | delinquency rising, net worth falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2022-04-04 [Credit Union giving $75K to Family Resource Center in Utica NY; children's museum planned - Utica Observer Dispatch](https://news.google.com/rss/articles/CBMivwFBVV95cUxOWXBDTjdxTnBhSDA2TkxsRzhQNFAyZ2VvbUNrdHRJVjgtYW1fRkxpb0gzTGpqWXVxQUFWTUVVcTJKWmNmcEYwMWFNTTRFWVFLalBQZ1k0Smx1NF8yQnNBdHlDUlZpYVdYWktraWZjOUNzYndSb2xtR3kwLWk0YTJ1cGZXNHprc2dWaUtZelpjbzlLd29NRnJ3dkhjVXM0ckJQRmRHazAxZTJBdF9DLVQ5NkJ0cTV4b0FyRXZEeW5Dbw?oc=5) · Utica Observer Dispatch
- 2024-09-27 [GPO Federal Credit Union in South Utica Robbed Friday Morning - wktv.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNNDAxQjFHUHVENWJ3bXdOZzkxbUQ4UWNOZkRPenF5UWZmc0ZmRWR2U3RhMTE2cDJJMm1sR1hKa0hrODdwX1E3VXZPckZkN2VxQnJSWjhiYTZ2RlJHNXNOZHRtczAzVmI2bW9GOVJMVVM5S1JmZ3NLQTlvQVFJRjRuWmd1ZUN2R3BDV1FBS3NWSUtNRHVLbUstSEl5a3NtUkpkLUUxRHJGZ2JGcjk3elB5NEtfQmIwX01saDNYdTN2YWpBRDZmWU15Q0lfMXVHVV9lMXc?oc=5) · wktv.com
- 2025-09-19 [Utica woman sentenced to jail for bank robbery - Rome Sentinel](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRHkzakFPU1VXcEttWXJNTVZPODhXTC1aS0ltTGk5WFk2c0prRG1LaTRhTXY5U0R0dnpfYXlLQ2doTkpSY1Y4QUJnSUVtUC1IYlpPVlhnS2pRZTNHRDFPSDdyMGFNblVSR1hKQWtEVUVuUkljSHJlR0JuS0RwZ0VEdVctaU1aTzFkZDJPNDFrNU9zRE9LVzRnU3EwaXVsZGlLMkZoQXAzU2VOVkRvWngtSWN1NElDXzhHRHZr?oc=5) · Rome Sentinel
- 2016-06-13 [3 earn GPO Federal Credit Union scholarships - Oneida Dispatch](https://news.google.com/rss/articles/CBMikAFBVV95cUxNc0JYeVBCS2MzUVlpdFpTcFE4ZVNrUmg0U3dNRnNycnF1VGktRW1LVmpHSHRNS3F5U2tzTGw4OVJUaXBjQ2xHd1BHenkzTkNSczlYc2ktZ1d5YVM1VDdlb0dORldqZXRZN2ZocFBVQXNZM0prQXBMS1ZhckZRRVRseHI0UDFCZ2FQNzV5WHdiN0w?oc=5) · Oneida Dispatch
- 2021-12-20 [GPO Federal Credit Union gives back to Rome community during grand opening - wktv.com](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOdlVwcmN0QWtLOW1mSVB3aUsxUHU3MlhsR1I4REREcGY2dUl4OW1heU9uUndhSDNNdkthenFvZGo3dDFJcTgzM1hZVTA1R29yWmU4cXZiaXIzMEN0azRxU1JtVFhvS1Z4aU0tdTRGN1NMTEVDTENPTi1iRUZZalNYa3lROVo4YktkTEZOQWwzcWxLSGh4Z3pHdF9vVHQ3ekxXclhzYVB3RjdjOFFQeU1qUHpFaWQteDdCMjN2bDBiV2h3SFVKVWJlVFM3amtwZFNBRDJldVV3RzNQQTV0eFJJRngzLTBpNWFZ?oc=5) · wktv.com
- 2014-09-26 [Police seek suspect in South Utica credit union robbery - Utica Observer Dispatch](https://news.google.com/rss/articles/CBMimAFBVV95cUxPSXFNYk5YRFpFZjBDbG9PT0xPS0ZoTnY3UmZMd1NzV0IwdS16Ti16Sk5KamQ3ZVRWdEc2emt1U2dWeG05b1lLWHJqVXRQeXExZ2RaYnNMdWFaVzVzLU1YNUhoZms4OUhuSC1zUEZHLTJoMjdhWnJtdWU2NzladnJmVW5QRkt0WHh2OXIwX2s1TUJQSE9nbVQ1Vg?oc=5) · Utica Observer Dispatch
- 2024-12-06 [John Anthony Prumo Obituary (1944 - 2024) - Utica, NY - WKTV - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxNRUZlMkxNN3ZHdlh6Y1ZRN0ZaSFFsYWR1MUR3cFV0V2F3TWdhTUdRajF5Tno3YUlRWXFYMllQRXFjVkNjRU42RTVtTXMyT2NVQy1LVjFZdlhvN3dWeHZaQ2Rzd292NERpSUxCeGhKTzVlMFVJVW5zYnNXaElUVWhITkhadHo?oc=5) · Legacy obituary
- 2024-06-10 [Louis Esengard Obituary - Oneida, NY (1943-2022) - Oneida Dispatch](https://news.google.com/rss/articles/CBMieEFVX3lxTE9XUUl5Ym9Ja2VFUzVOZWp4M2hZSHVCMDAwTE5SWVdPZG9PVjZLS1BONWd6emE0WHRYanE0em1VdWJ3S0l1Qkt6WG9FOGNYMVdlRmdBbXRFcWp0SUhjLWVwSUhwaTRuTExEZ0NsQ2tzTVc0ME80MzFPVg?oc=5) · Oneida Dispatch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22931 (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/19.json (key "22931", 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=22931
- 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