# SENECA NATION OF INDIANS
IRVING, NY · NCUA charter 24863 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/seneca-nation-of-indians-24863

Who the members are: federal charter, multiple common bond, organized 2015, low-income designated, minority depository institution. 2,657 members of 11,517 potential (23.1% of the field); checking penetration 76% (share draft accounts per 100 members); loans per 100 members 23.

**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 | $9.8M |
| Members | 2,657 (4.7% YoY) |
| Full-time staff | 4 |
| Net worth | $1.2M |
| Net worth ratio | 12.8% (p36 of band) |
| ROA (annualized) | -0.38% (p17 of band) |
| Total delinquency | 0.91% (p60 of band) |
| Net charge-offs (annualized) | 1.18% (p88 of band) |
| Loans / shares | 62% (p56 of band) |
| Cash / assets | 44.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.21% (p64 of band) |
| Operating expense / assets | 6.46% (p92 of band) |
| Vehicles % of loans | 73% (p69 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.57% (p54 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 15% |
| Average share balance | $1,762 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 23% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $8,785 |
| Loans granted, annualized | $808,752 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, expense trap, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 3 |  | net worth falling |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 7 | thin capital, capital below 7%, net worth falling | delinquency rising |
| 2017-09 | 2 |  | losing money, thin capital, capital below 7%, net worth falling |
| 2017-12 | 3 | losing money |  |
| 2018-03 | 2 |  | losing money |
| 2018-06 | 3 | delinquency rising |  |
| 2018-09 | 5 | net worth falling, delinquency 2x band |  |
| 2018-12 | 5 | repo signal | delinquency 2x band |
| 2019-03 | 3 |  | net worth falling, repo signal |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 | net worth falling | delinquency rising |
| 2019-12 | 3 |  |  |
| 2020-03 | 7 | thin capital, losing money, delinquency 2x band, delinquency rising |  |
| 2020-06 | 5 | margin squeeze | net worth falling, thin capital, losing money |
| 2020-09 | 5 |  |  |
| 2020-12 | 7 | thin capital, net worth falling |  |
| 2021-03 | 4 |  | delinquency rising, thin capital, net worth falling |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 5 | thin capital, net worth falling |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 3 |  | thin capital, net worth falling |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 4 | delinquency rising |  |
| 2023-09 | 3 |  | delinquency rising |
| 2023-12 | 5 | delinquency rising, assets shrinking |  |
| 2024-03 | 4 | charge-offs p90 | delinquency rising, assets shrinking |
| 2024-06 | 3 |  | charge-offs p90 |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 | losing money | delinquency 2x band |

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

- 2023-02-18 [Seneca Nation (New York): 2017 Culture of Health Prize Winner - Robert Wood Johnson Foundation | RWJF](https://news.google.com/rss/articles/CBMijgFBVV95cUxOVmFfZHEweXd6cFBlWmM1YWdPaFMybzJqWGxJdzY4SkxwYU8tN2lRdm1YckVvRlNpdG05OUZJVzJFMjBhck9mSDRCc0dlX0wyRW1udHktc3EtbmZBU2lUbDVaWkYzRVc0aThwR1FBaFFtblBDN2VzOWJOUFUzamJXRi1sNERRcWpaWHVCSi13?oc=5) · Robert Wood Johnson Foundation | RWJF
- 2024-06-18 [Native American-Owned Banks and Credit Unions - NerdWallet](https://news.google.com/rss/articles/CBMiowFBVV95cUxOVkpYMnRXLXVURmF4UFZIMEZkWHBWYl9HZ25QZDREeXEyczZ5di1fYVVfSy03ck9FdTJRZWhrQk1UOUJSelh4Vkc4b0tPdzlmQWlzRm5wc1ZGMk93ekV6eE1YbVJvaC1GZ0Y3V3hNbDk4M2hHZzFOWVZLYVQtNUQwblV2UjlWTk5WRi13OEtzNFIzMVNrdXI3RUNQbTItMk9RTmJr?oc=5) · NerdWallet
- 2020-11-18 [Native American-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMifkFVX3lxTE9MQVNiajFseGo2LW5UQVNLbzVEbHdCM1Jlekl3TDI0MnZuTWNuRDhMc1h6Nnc1STA4NU1jUnlFLXJ4NEs4Nm5pdG05UC1JYUhZRVljcnl0a1YyWUVnZzhQNkRSOXU2TVQwTmJRbWwwOUNkQ01EOE9SaDBzNTR1dw?oc=5) · Investopedia
- 2026-07-07 [Four Winds Ventures appoints Kathy George as its Chief Executive Officer - GreatNews.Life](https://news.google.com/rss/articles/CBMipwFBVV95cUxOa18tQmx4ZHI1YW45NjF6UVFuYllfc0tCZ0RqQU43MEtCbC1CTWQ5WWtuZUR5RHNCWURNUmhVekpfbkEwa19xT3IycXk1eWpNSnVDb09wVVlVeTY1elZHVDNObU9xTnZCYnRSNTVnMGJtMk8ybllNVWtJV2stZ0QxeDVDaXlwYV95R2YzY0VqQTVoTjhWT0xVbHJ2QnJleEtyZUtyZy0xcw?oc=5) · GreatNews.Life
- 2023-04-14 [News from Congressman Nick Langworthy - the wellsville sun](https://news.google.com/rss/articles/CBMiigFBVV95cUxQc3JIb1hFbWJRWi1wVUlkOVlaOHFNdmpUX09yQjZxOG5LeS1uaHhKOHNEMHc2dVZVdW9Vc1ExMzJCLWJkVkk4N3dXLUdMUmZKcWJUNUtDdXZLWVhhZ2NhQzhMUHZQelFGSU42TF9GMGdGNWFiZUE5Yk9UWW82ZG5kNXp5cmNDckpleWc?oc=5) · the wellsville sun
- 2026-09-01 [Introducing the 2026 Women of Influence Award winners - The Business Journals](https://news.google.com/rss/articles/CBMijgFBVV95cUxPVU5lY1BRRnk2dVpsSFZWcVk3YlZ5Q0RSRjlrN3JaN3VvbEh2dzcxYTV4eDFMNTR1cE5aWVBUMHBnRGlnUWlWOWVuMFlRQW1UZ04yTG5xZXN1VWJvaHlxaUlESTdqQ1JEd2FlVDNxM292NGtIUzJIVzV3S29abWc5Wk9oMmdfMFdiVmh5R0hB?oc=5) · The Business Journals
- 2017-11-01 [See the Places Where Health is a Way of Life - The Atlantic](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOOW9kWXJrZlNxR1RyaDJPeXpMOFpUU2dQVFd5WVhyekpUd09hU2t4UWV5b1dNRnN6eVBnZjBXal9aMjVPQTc3bUxlcTRVN0VMd2hMTFh3QnhsZHRZZG9PSzYzVHp3SEY0Mll1S0k5M3otcG0zelMxbHFkUjA4RTl0Z0xuOUlGc0NHbDNTLWlxY095UDEzUXBmUklfQTZLd0d0QzV6YjAzUHlrQnNZSWhoTjdCOTlYRXNSYVVNcXAxeU9FQQ?oc=5) · The Atlantic
- 2023-02-24 [Canandaigua Braves may become Canandaigua Brave - Finger Lakes Times](https://news.google.com/rss/articles/CBMixAFBVV95cUxONG9EUmJfUHJEczY3cHBPMy1IUlBjZE1BTTRsOGNJdWxXWHJoeFJVUG05djhJcFZWRUs1UTZRd1haeFNhMzhBMnpEZFFmTWQ3R3lNS2t4R3pidENLRXBKV0pISUE1Wm5oeDZRVVp0MTFfNUNPOGNLaHVqUXJJb3ZYV2FidnozUHhGRC1ydWpVazVPU1ZBMWhpUjc2R1BZZTN0MGs4UmJMN29oT3dEejNHSnc0Q2o1S1ZfU1NzYmxXNXNCQzB3?oc=5) · Finger Lakes Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24863 (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/31.json (key "24863", 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=24863
- 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