# STEWART'S
Saratoga Spring, NY · NCUA charter 24036 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/stewart-s-24036

Who the members are: federal charter, multiple common bond, organized 1983. 4,408 members of 6,000 potential (73.5% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $44.7M |
| Members | 4,408 (7.3% YoY) |
| Full-time staff | 6 |
| Net worth | $4.1M |
| Net worth ratio | 9.1% (p11 of band) |
| ROA (annualized) | 0.81% (p61 of band) |
| Total delinquency | 0.66% (p50 of band) |
| Net charge-offs (annualized) | 0.68% (p80 of band) |
| Loans / shares | 46% (p32 of band) |
| Cash / assets | 28.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.54% (p36 of band) |
| Operating expense / assets | 2.64% (p22 of band) |
| Vehicles % of loans | 63% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.96% (p64 of band) |
| Vehicle NCO | 0.54% (p81 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 96% |
| Certificates % of member funds | 4% |
| Average share balance | $5,225 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $13,303 |
| Loans granted, annualized | $8.4M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 0 |  | auto monoline |
| 2016-09 | 2 | thin capital, net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | margin squeeze, delinquency 2x band, delinquency rising | net worth falling |
| 2017-06 | 1 |  | thin capital, margin squeeze, delinquency 2x band |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 2 | thin capital, net worth falling |  |
| 2018-03 | 1 | auto monoline | thin capital, net worth falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 1 | thin capital | auto monoline, delinquency rising |
| 2019-03 | 0 |  | thin capital |
| 2019-06 | 1 | assets shrinking |  |
| 2019-09 | 2 | thin capital, margin squeeze | assets shrinking |
| 2019-12 | 2 | net worth falling | margin squeeze |
| 2020-03 | 2 | delinquency rising, auto monoline | thin capital, net worth falling |
| 2020-06 | 5 | thin capital, capital below 7%, margin squeeze | delinquency rising |
| 2020-09 | 1 | assets shrinking | auto monoline, thin capital, capital below 7%, margin squeeze |
| 2020-12 | 2 | thin capital, margin squeeze | assets shrinking |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 | assets shrinking | thin capital, margin squeeze |
| 2021-09 | 1 | auto monoline | assets shrinking |
| 2021-12 | 3 | thin capital, capital below 7% | auto monoline |
| 2022-03 | 3 | delinquency rising, auto monoline | capital below 7% |
| 2022-06 | 5 | capital below 7%, margin squeeze | delinquency rising |
| 2022-09 | 3 | delinquency rising | capital below 7%, margin squeeze |
| 2022-12 | 5 | capital below 7% |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 4 |  | delinquency rising |
| 2023-09 | 5 | margin squeeze |  |
| 2023-12 | 5 | net worth falling | margin squeeze |
| 2024-03 | 4 |  | net worth falling |
| 2024-06 | 5 | delinquency rising |  |
| 2024-09 | 4 | assets shrinking | capital below 7% |
| 2024-12 | 5 | capital below 7% | delinquency rising |
| 2025-03 | 5 | net worth falling | assets shrinking |
| 2025-06 | 2 |  | capital below 7%, net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | delinquency rising, assets shrinking | thin capital |

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

- 2026-09-09 [Rod Stewart Slammed for Cancelling Show Amid Health Issues, Then Appearing at World Cup - TicketNews](https://news.google.com/rss/articles/CBMivwFBVV95cUxQNjlwOWhrNFBFcW5UeVN2c25MU0FhYTNWUEtLV3o4WWFtSTVqT1ZsWUxJa1lMN2RqYmdpR2RUbGJROE1PZ1dzdENtaDBaYjJwOFNZbUQwVjdMMzlDNzNrbHlKdm1OYmtGVThRR2VyNDQ0aHBWcWxDS1BIMUVsZkZ2bHBnWWNFQ0NDaVhXLW9tbVdEMld5LTFmYkVxenRJN1Nyd0pOWHp2UkZ5SHA2dWo5eGZQcjQ4bFRCQVZlVzFNTQ?oc=5) · TicketNews
- 2026-03-03 [Stewart’s Shop proposed for outer Arsenal Street pending road construction, sewer fix - WWNY](https://news.google.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?oc=5) · WWNY
- 2026-09-09 [Rod Stewart Postpones Red Rocks Amphitheater Show to 2027 - TicketNews](https://news.google.com/rss/articles/CBMimAFBVV95cUxPSGJxV01BRE1SSnkyeW9jSlBITENHT0pqUFBISWNDMVR4YnRhTW9hb1BvSnJ0bHhET2NGX3ZqNUptZkRXNkMtdnY3aDUyblVKOXFqTWVVV1lsdERJX0t6NGtpV21CWVhCam9Zbjh4SWxQXzdNZ0QxRUJIR0hEbkxQcnZLQUx4MW1hTkxWWlFqYTNLd09MNTdQdQ?oc=5) · TicketNews
- 2024-01-18 [Stewart’s Story: Meet Angie, the Manager of Stewart’s Federal Credit Union - Stewart's Shops](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNbDJlYnlWRW5IS3hlQ29Hcm1lUlZINy1fRXdoanltWGtxYkFndjE2LXpCSGxtREkyT2Nvd2NQaFVyOGl4RXVvNXMyMGVhbGRwTWNreXJON1hOT3NiV0I1c21FOGxVR09nWGpVRm1vRlhEMmdIb3o1SEZEdGNpTUFPdGIwMlpfYmJ4bE5tUno4M1ZSMnV5dnlPXzBzYmhXbW1tWHdCcDYydHdQZw?oc=5) · Stewart's Shops
- 2026-08-10 [Rod Stewart, 81, Postpones Cincinnati Concert Last Minute Due to ‘Minor Medical Procedure’ - People.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxQa3FFWTR1SWJQekdobW1kc3dtS2VwQW1WcWpLOXAtVlRVV3I5V0I3Z0NUODVZeU9hOEMtWTlSMEh6a2ZYMl9QaVhiR1g1d0ZiU2ZscV9fZTdIRWY4dDh0TS1SZWE4bE1ZYU9mUTNDR3dMMDhlOF9vQ1N5WHBwSVZVNTZxTXg0SzJjc1I2eTFCREtfc0tERGRVaFp6a1pYT1lpbWlB?oc=5) · People.com
- 2026-06-20 [Rod Stewart Needs Oxygen Tank During Utah Concert, Video - TMZ](https://news.google.com/rss/articles/CBMigAFBVV95cUxPV1JNbm9tVWw3SjdpWkFQTzlicFMtRlFVSUFkODUzeEE4dVdhOG9adG5Yb1BwWmI2RkpHd2NxWTVhdmpTTXlSTjk4azhXNWNEMmhRaV9JMDRac21uNldybWhHSUtBRGJRNENGVmVYYWVodlJFblZtbG1ycmxpc3A3eg?oc=5) · TMZ
- 2026-06-14 [Rod Stewart seen drinking at Scotland game after canceling CA show just 40 minutes before it began - New York Post](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNUGxtX3RJY2pTa1VXM1BqOG94ZzhfTksxSWxUb05SQWM2NEhJeDVBQlBDMlVoOWJxRzhRUkY4RHRwRUlqUUVvamNDaG5kUFpjOFI1VjhZTGNaWFloZUMwbkZzS1piY3NQM3RvcTNzQ2V5bUdMZHRtQ0VRRVZ2WU5yU2VuNy1UOWhlOEdLWFlUbUg5azFPRzRvR2ktTnBfWmh4YTZpNWpoUVZhcWJZbF9oRGZHbzNWV3pCUjhuc0hJX1FKQ2djY3kzVnNTNWdtTnhMNjVV?oc=5) · New York Post
- 2026-05-19 [Rod Stewart concert special debuts ahead of farewell tour; stream free, get MI tickets - MLive.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxPcW5wb2hOTk1ISjRfZkdVaGstdXRIMlpjeXpqdEpqZWQwWmllS2h2QW9sakt3aEROYXFfWVJVcDVIYkpsMWpwSmIwVmZnYzlJMlE0Zk5hSElqYnZxNUJscndtS3VMS1diNHROYjJBUGpZQnFVWWlmLW1PdDVVTVlJOHFIbEVscG1ENExFcmNOc1AteGV2bldHOWRZdkhvT0RZWVNhUjRVT2tRbVhnS0xwUElYYkFaYzFmWDlHYTc5NA?oc=5) · MLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24036 (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/36.json (key "24036", 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=24036
- 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