# ACADEMIC
BRIARCLIFF MANO, NY · NCUA charter 23425 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/academic-23425

Who the members are: federal charter, educational (single sponsor), organized 1979. 2,358 members of 311,350 potential (0.8% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $36.1M |
| Members | 2,358 (-5.5% YoY) |
| Full-time staff | 4 |
| Net worth | $3.6M |
| Net worth ratio | 10.1% (p17 of band) |
| ROA (annualized) | -0.08% (p22 of band) |
| Total delinquency | 1.74% (p75 of band) |
| Net charge-offs (annualized) | 0.32% (p69 of band) |
| Loans / shares | 34% (p18 of band) |
| Cash / assets | 65.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.54% (p9 of band) |
| Operating expense / assets | 2.92% (p30 of band) |
| Vehicles % of loans | 14% (p9 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 | 64% |
| Credit cards % of loans | 11% |
| Unsecured % of loans | 22% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 30% |
| Average share balance | $6,992 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $14,453 |
| Loans granted, annualized | $863,648 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 3 | losing money |  |
| 2016-09 | 2 |  | losing money |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | losing money |  |
| 2017-06 | 4 | assets shrinking, members leaving | losing money |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 |  | thin capital |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | members leaving |
| 2018-09 | 4 | losing money, delinquency rising |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 2 |  | losing money, delinquency rising |
| 2019-06 | 3 | members leaving |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | assets shrinking |
| 2020-03 | 4 | margin squeeze, charge-offs p90 |  |
| 2020-06 | 5 | net worth falling, losing money | members leaving |
| 2020-09 | 5 | thin capital | delinquency 2x band |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 | delinquency 2x band, members leaving | charge-offs p90, losing money |
| 2021-06 | 4 |  | delinquency 2x band |
| 2021-09 | 3 | delinquency 2x band | net worth falling, members leaving |
| 2021-12 | 2 | loan book shrinking | margin squeeze, delinquency 2x band |
| 2022-03 | 3 | delinquency 2x band, delinquency rising | loan book shrinking |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 | assets shrinking | thin capital |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | delinquency 2x band, delinquency rising |
| 2023-06 | 2 | members leaving |  |
| 2023-09 | 3 | losing money |  |
| 2023-12 | 4 | delinquency 2x band |  |
| 2024-03 | 4 | loan book shrinking | delinquency 2x band |
| 2024-06 | 2 |  | members leaving, loan book shrinking |
| 2024-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2024-12 | 1 |  | assets shrinking, delinquency 2x band, delinquency rising |
| 2025-03 | 2 | members leaving |  |
| 2025-06 | 5 | delinquency 2x band, delinquency rising, loan book shrinking |  |
| 2025-09 | 1 |  | losing money, members leaving, delinquency 2x band, delinquency rising |
| 2025-12 | 2 | delinquency rising, members leaving | loan book shrinking |
| 2026-03 | 5 | net worth falling, losing money, delinquency 2x band |  |

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

- 2026-07-10 [Polish & Slavic FCU Awards Record $700,000 in Scholarships - CUTimes](https://news.google.com/rss/articles/CBMilgFBVV95cUxNcTR6SmN3VzJCbXdZN1lQMzUyN3VSNGI3clZlSUpXRXNSWnR5TExGcE5VZE5DNXRPOGZ2VDktWWFjZ1dwZU92bTJDNEVKM0NiWnFZNS14WGpUX0hlOGJlYlRFLVNZMUVFSzhTUmFJb1FhR0RHT21MVlVzdGtxSjRzTHNQZkdwaWJSLVBDV05aLVJ2MDB2Tmc?oc=5) · CUTimes
- 2026-01-21 [Beginnings opens applications for 2026 scholarships and awar... - Tompkins Weekly](https://news.google.com/rss/articles/CBMif0FVX3lxTE10c2NQZEVaTzIwRDFacmZMM3VIdVB1eXBUekRXQ1dkMUpoaDE4eEtkSGpMSHlCaEtkeFRyNUdUVVJhcTg3a2k2Rk92eTh6ZE1OTTFWcHFCeXNEMGViMmlrZ1BEWEJtQlR2UUZQYXlPLWg4OEhtaTA5V1JtMVd2LWM?oc=5) · Tompkins Weekly
- 2026-03-11 [UB, Broadview Federal Credit Union announce $31M partnership for naming rights, student scholarships & student support - Niagara Frontier Publications](https://news.google.com/rss/articles/CBMiigJBVV95cUxPVGQtckZZWGFXU0dnSnVQWHNhNHB6LUpaZVpLQ2otaGRZUzNKOThNU2oyWXJ3NjU0eGl1X1lvQnJzNlBMM3dZdUpKR1I5Y3lDdjkzQi00ZUVkaUlSeVRGM1pFRXlUeE96Y1RtR3JNMElfZW81Zm13aEY2ODB3amVCUDM3eFZTaXI0WnJ1SldVcGFnaFBjS21jNm1qUG94ZldzNzhjM2twVzdwMHY1ajhaOHRIdXZMSTlEMG9RbkRRRGlWVDNzWks1Z0NBLVRISE1xM3R6NFNDM2dmTDBlWjVETW1acEVvOE5CQXhwUU9yZzVXMElpQ0ZCTlBmdXdJc2hYbUVnVjJzVjBLdw?oc=5) · Niagara Frontier Publications
- 2026-07-24 [Meet KSBY’s Academic Athlete of the Month: Henry Esola - KSBY News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNM0l2NjBfbkJwV01TZkozWEpqMHBzaXk0VWNhVlVlM1JVZ2EzajIyVkdjbEVmUEJPOG9WM3NmS19mcmN0TUh4UjJHUFpHMUFfekFyZkxDZllISE5BRmFGVVJIV2Nib3pndnpfck9sT3lLQUh6bElaeFpPdktCNGdFMzdDZ1BOeHZ3cVFRYnpDVDR1ZmpRTmFWS2pWUEplMTRNQUhKTV9Da1VUbURDN2loNlFmRzFFUjBuSFhCMVp0X1dYUQ?oc=5) · KSBY News
- 2026-09-04 [MCCU celebrates academic excellence at 2026 PEP Bursary Awards Luncheon - Jamaica Observer](https://news.google.com/rss/articles/CBMisgFBVV95cUxORFlGSDU4ZlFnR3dKRWN5Z05INHVOc0Zzc1RFdDJldXVRX0RpWDA2eEtsZlYzanEwU2dhdDZPWEgxa2NmN2pOc1FIQk50SF9RM2RSaS1PMFkyaVFxWUpPbl9RSUk4UHlUMTFtVklVaHZJWk13SmxWb2J3blRBRjRIUDRMREhsOUZ0azJBQi12X051SUlFUW90X3p4R1Q0aXNCeTh3aWk2NU4yb0NmSjc0WElR?oc=5) · Jamaica Observer
- 2025-06-10 [Bryant Partners with Navigant Credit Union for New Field House, Academic and Leadership Opportunities - Bryant University Bulldogs](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNRWhmdkxSSWwxZjdzMmh4Nm4wdy1WU2Jkb3FvUmtHX2JFZk1veU00azdrNWFVUFVlMEVHWnhpR01vMUZBb3hvX3dqUTZGV282V2F3MmhZQk1KWi1acE9SXzVKV3QwSHREeFMzcENQOThWbHBIRVRhcUhpLTNjYlh0MFNPb05DZWwtSEppM0pRUHhadngyRmx5dmw3NURtM1BXaDc0OHVkdzRMWTZaVGN2Z1lXTjRsNGdmZnhqM05sLWhqclljTFZmcWY3ckJhS3BNU0NRNVB0UW4ya282N3ZjWDVMbGxzSEZraFE?oc=5) · Bryant University Bulldogs
- 2026-03-11 [University at Buffalo signs record naming rights deal - newyorkupstate.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQcm50SUh5WFNLY2lsWEtJNUFLUDl4c0t3eVMwUjNBTEdUN1REaHR3Z2hsV1kxX2JVbVFZdDE0RGE4Z0dqUURUZ19DNzlNRDdUV2g3am9jR2JRenREWjczX0xTb1p0SDBIWTk2bEdCRG9vQ0dSc3h5ZUwxQnVCeGY0eWNLaDB6bzN0dDgxaUcxcW9mTUFGZFk2TG1rUVBvT19KTnJMOGRLbF81UTNaUmRBampUMGp0NzNZMDFHU2J4ZjQyNDdqYkdzaThyNWFlSWlRYzRzeA?oc=5) · newyorkupstate.com
- 2019-02-19 [Visions Federal Credit Union gift to support Binghamton University athletics - Binghamton University](https://news.google.com/rss/articles/CBMiugFBVV95cUxQMXJUMm9JMGlOLVU4Uzd6WkZhNkQ3MXotM3B1NXZ1UjQxblNlMWRIZmFUU1FzZV8zZ2MwMFVqb3EyVTF4bkFLU2JQdWhwRFdHMFFRQXlxVGFPWTYyRHpCbVVNRXFrRkM4NndJaVdpRno2NzRuOXMxaEhpZ0FGbHZfZVFKNlhzY2djZlU2N3VtazVYSEhiZDYtY3lyQl8tQjFYVXZ6NmJtNDA0TEhNZUpEQVUweDFuTnRzY0E?oc=5) · Binghamton University

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23425 (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/1.json (key "23425", 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=23425
- 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