# JAMESTOWN AREA COMMUNITY
Jamestown, NY · NCUA charter 3551 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/jamestown-area-community-3551

Who the members are: federal charter, community charter, organized 1940, low-income designated. 6,309 members of 65,000 potential (9.7% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *ordinary*. 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 | $83.2M |
| Members | 6,309 (-0.0% YoY) |
| Full-time staff | 20 |
| Net worth | $9.1M |
| Net worth ratio | 10.9% (p29 of band) |
| ROA (annualized) | 1.70% (p91 of band) |
| Total delinquency | 0.02% (p3 of band) |
| Net charge-offs (annualized) | 0.01% (p20 of band) |
| Loans / shares | 66% (p59 of band) |
| Cash / assets | 28.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.90% (p63 of band) |
| Operating expense / assets | 2.86% (p26 of band) |
| Vehicles % of loans | 58% (p74 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.01% (p11 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 99% |
| Certificates % of member funds | 0% |
| Average share balance | $6,156 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $20,565 |
| Loans granted, annualized | $22.8M |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2025-04-11 [America's Best Regional Banks and Credit Unions 2025 - New York - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxQeEk3TUd0LUd6YTZiZkFaSGpRRzdDVHVzUWdsaDJuUzVmSHBBV1I4X2dQTHh1ckdQWklQdnpzMDh3UHBkaE9RQTBNV1piUUJQYWkyVXVUd2k1dGpncWpQTHR6Qmp4UGZKSENYNWx2MkxueTJIY3I3S01JQWlnbnhsQXNsSFgxRnl5b1VXdnBTSQ?oc=5) · Newsweek Rankings
- 2025-08-14 [2025 Babe Ruth 13 Year Old World Series Begins August 16 - WRFA-LP 107.9 FM](https://news.google.com/rss/articles/CBMihwFBVV95cUxPNmVoVlgzdEk0TE9RcjZEdUpOMmZTWHhzTDhBaXdXbmRLTnBIaWZOZWRraHNsMnJQYjlZMGVLSnFUOTA2NXhWS0U0Q3hCR2MySWpTNW10ODdGcE10SkVtbTUzV2NxZ1hFY2pXX0QtOVJKc2V6bXV2NmU4VWx1OVZ6SmYxUERLYjQ?oc=5) · WRFA-LP 107.9 FM
- 2026-06-26 [Flying High - - post-journal.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE0xb1pYZGVMTTdyVk1tbERzTm9UeDVJeDBHM2RqanBpc0JLSy1Uc2dLdk9IUDFSUHlrREZUWThTNjBvRHlWT3hLbTN5TDZZeWs5VlRBcUpHa1Ruc0U4VEJIZUJLQmMxMTNBM19aMHBjU0Y4QWhx?oc=5) · post-journal.com
- 2024-10-04 [Two To Receive United Way’s Joseph H. Mason Award - - observertoday.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxOTEhrWHVLU2h1cEt0aGxKMF9Ed3RQQnUyX1lObUVsMENiYVlOWk1kQ2dnQ0FybzVya1NHYTJxLTktS2RuRnRESTA4czNKZ043emNOeGhDTjBuWXBwc0wtM3kzSWNZVEhndkMwLVhHSFY4TkRLbW90aXJvUktPT29nMjVZZFhLNGlINWJ6M2I0dDY4LVQyY3VFRUE3RGJRMGRuQ0RMd0hrYw?oc=5) · observertoday.com
- 2018-06-14 [New York CU Association Announces Board Election Results - cutoday.info](https://news.google.com/rss/articles/CBMitgFBVV95cUxOUEE5LXVKTktGN0NNNEVLeW5KcHRXdHY5em56ckdpTk8xTEZjcklKWWo2aXlBY0Jib3I2RWFhLXZjbGw2WHctaHM1MUN3VGUwRnZGV2dhSk5OUXdvblJMWDExMk5UVHd3TXoxdHJYWmdKM3haa1pwRUZYT3A2WkgwbGFyalhRSnBhamg2S0Vqd1ZnVE5VRGdacU5valNoVklKSkxtVkdkZllWbmlzVVRwd1JNVGlPUQ?oc=5) · cutoday.info
- 2024-09-30 [Scott Cummings, Daryl Damcott Chosen As Mason Award Recipients - WRFA-LP 107.9 FM](https://news.google.com/rss/articles/CBMijgFBVV95cUxQaTRFdWtkUlN2eTdYRXJsLUR2LVBVOVFwd1lVRHltb1BlZXhQaDlrVXpaSFgxcHlocXRkbldQRmlSSEl4ZVY1SGxkTGk2bno3c1pHd3BBdmNqaXdFQ3lEUVNJZV9nR2N0Sml0NUVIMEN1UnYta1NvMlZiQ2tzNjg0M1lYQWIyWkhJdF9zR2t3?oc=5) · WRFA-LP 107.9 FM

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3551 (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 "3551", 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=3551
- 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