# RADIUS
Kenmore, NY · NCUA charter 24715 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/radius-24715

Who the members are: federal charter, community charter, organized 1942, low-income designated. 7,550 members of 954,236 potential (0.8% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *fortress*. 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 | $87.9M |
| Members | 7,550 (51.5% YoY) |
| Full-time staff | 16 |
| Net worth | $13.5M |
| Net worth ratio | 15.4% (p73 of band) |
| ROA (annualized) | 1.02% (p67 of band) |
| Total delinquency | 1.13% (p76 of band) |
| Net charge-offs (annualized) | 0.40% (p64 of band) |
| Loans / shares | 67% (p62 of band) |
| Cash / assets | 29.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.10% (p74 of band) |
| Operating expense / assets | 4.07% (p68 of band) |
| Vehicles % of loans | 28% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.60% (p52 of band) |
| Vehicle NCO | 0.10% (p42 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 11% |
| Average share balance | $6,231 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $19,775 |
| Loans granted, annualized | $8.8M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

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

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

- 2025-09-29 [Radius and Lake Shore FCUs to merge Oct. 2 - WGRZ](https://news.google.com/rss/articles/CBMizAFBVV95cUxNdUVMMWZGOWlYNzFWMFBXcnRzV3NDWGl1Q1g3X1JDaGEycnRKR3FoNWtTQktpaXZ6aC1UeFVRbjZLMXFaeWtXb1NLalYxSFJxS1JqQm5mbi1nUWh1SFlQNWZKOTdWN2FxNWVNSERPdGhFeFo3dnY2ak8wQUN3T2pTb1BKaXU5U3M0QVJtSy13VmR1Q2Rick9IX1hOSmlPWkFGYy1HeVZMWVNPTTVDNzZiRWdDRnBPbHhlVEUxZHoyZ0RGWUJla29SU0FsRlk?oc=5) · WGRZ
- 2023-11-03 [Mergers, expansions mark busy year for WNY credit unions - Buffalo Business First - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNT2pmcm1XN1dsTVRWV09aZVhzaWpEb29iTWJtNUo5ZEdSV1FuSlU3Q2hXX0VWaUFNTUhKYk04X2JNNk9PaFUtWFVaLU9ZWjh5TVVPOUtIV1NtbXlEU1poMnRLM1NrWlJxN1B0VUdpTWlvT29raXBSNEJFZVVqeGlkOEZld19QVWZDSWFySDNCTVVXcjR3bTdJdjNlZVhIQ3p4ZUsxWFp3?oc=5) · The Business Journals
- 2026-04-09 [Jack White announces North American tour (show w/ Angine de Poitrine included) - BrooklynVegan](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOVGhpajMzZDhjaG5ta1ZNaVg4cXVLN2NZU2laaG0wdVkwZWZZeEduRmVUN2ZUNDBHTDJaLVhDT0ZNMjFsbnJpQXpqMnJhSDBYQXZTY21xejhOaXdKUzlVS3VYZ19zdTlZaEhybUNnUERJX2VVMzVQVUdyaXR4YVBmakpwSzZ3Wm1MaWpIMmp0X3VnR1dvU0xVSVVBVjBsNzB3MHhUV2UxeUpBQQ?oc=5) · BrooklynVegan
- 2026-01-27 [Dillon Francis and Flosstradamus Revive "Dillstradamus" for Massive 2026 Co-Headline Tour - edm.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE9VZ1drZTlTeElHVlVJUFphWTRwOGJGZjByT2h6ZFMxaXBSclZGbDVydjktYlh2cEpOWklVQVBoVjJzOXh0V3JjTDkyZjRpWVN6V0w1Qm9rU3UyUFhEai1taHJLSV9feGRyZXZoRnEwbWstZjZaUm1RMDlXZ2ZBQkk?oc=5) · edm.com
- 2022-03-09 [Banking roundup: New CEO at Radius FCU; promotion at Tompkins Community Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQeExDN01fc3NqeGhOM2NUZFR3STZVNFgzaWVHR3JMX2s2bDJ5SmpkSVdpWEM5a2swaXZhZ1VqRFdQeFZtS2ZBMFpscE1WWTFJZ1NHc0VvVGM0elByYVRyZXZVdUhxRlNURnBvZ2pWOUtwSTdFQ29RMDN0SEhybXh4WDUtMms5al9BcU5EUzYtTlNqYUxBYy1Vb3hQSFE1dmtwWUZOSFM2cHJ4em8?oc=5) · The Business Journals
- 2025-08-28 [Overwhelming demand forces sombr to upgrade venues on his upcoming tour - MELODIC Magazine](https://news.google.com/rss/articles/CBMipwFBVV95cUxPbUpoRGNjZTAxUGFqel82TUliUldGNy1aRXdzNDNwcGszNHlEMWJaRHZROXoydWF3eUl3eTlLbC1ZdDhfZ1MxUHBxVVhRUmlqQTl0Zm5aUHRIWEtFa1luYnRWS3ZPZHY0bzVVSEdGRi05UmFnYXV1TklFdTNWQkEteXZraVBiN2xqUktzWG40T3FFWVo5RnFGZzNyQndwcDBBUlZ5cGRyWQ?oc=5) · MELODIC Magazine
- 2025-03-06 [Two Hackers Arrested For ATM Jackpotting by Deploying Malware - CyberSecurityNews](https://news.google.com/rss/articles/CBMickFVX3lxTE9oNW1kRUJMLVEtcDJ3aW12QU9VQ25aNnJ1VzVHWXdlZnF3N2U3SzdZR3JneVdfcWNyVFJMd2lWa0ZrMDc2ZmtXTS0td0JKRGdPbXJsc3hWZHYyYnVrd3VuaEhERU5rbjIyQy14bWRiXzlnUQ?oc=5) · CyberSecurityNews
- 2025-03-05 [Verify: Gang activity in WNY - WGRZ](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPNUlWT1lOXzVGRzNZcmdZRnZyU2hhMGxnaWQwQXAxNWZHYk55clpHbUpxNWFzcElidzdaNjhhZVhTYVU0ckxaUUEyTmoxeE1GY3U4dHZ3R2pZYkdTYkpJdGN1WU9QNi1jM3RzSWl3dnR3R0lTN1FOQjEzU1cxeDNVcWpWY1dITEJoMzVuOVdCRWtHLTJpS3BzUUxBcnZ2MEtPZGROZGhhd1V5VzFqYzNacEdyTkY4Vm95Yjc4dGRJSUgxYUF6NHZYdg?oc=5) · WGRZ

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24715 (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/11.json (key "24715", 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=24715
- 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