# GREATER CHAUTAUQUA
FALCONER, NY · NCUA charter 3759 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/greater-chautauqua-3759

Who the members are: federal charter, community charter, organized 1940, low-income designated. 9,509 members of 125,000 potential (7.6% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $101.0M |
| Members | 9,509 (-0.7% YoY) |
| Full-time staff | 29 |
| Net worth | $11.4M |
| Net worth ratio | 11.3% (p44 of band) |
| ROA (annualized) | 1.03% (p69 of band) |
| Total delinquency | 0.87% (p68 of band) |
| Net charge-offs (annualized) | 0.60% (p74 of band) |
| Loans / shares | 48% (p15 of band) |
| Cash / assets | 42.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.39% (p33 of band) |
| Operating expense / assets | 3.54% (p47 of band) |
| Vehicles % of loans | 57% (p82 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 1.25% (p79 of band) |
| Vehicle NCO | 0.92% (p71 of band) |
| Repossessed % of vehicle book | 0.09% (p79 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 20% |
| Average share balance | $4,465 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $11,022 |
| Loans granted, annualized | $15.1M |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2022-05-02 [Southern District of New York Enjoins New York Sheriffs From Retroactively Enforcing New York's Fair Consumer Judgment Interest Act - Consumer Financial Services Law Monitor](https://news.google.com/rss/articles/CBMimwJBVV95cUxPQnFjN05lZXBKVERUNWpKc2lrWUpVRWxrTVFkcldSUmtCcE53T245cks1dy04cmVYNkQ2Z2pPeUtWa1J4WlpQdW84dkNWVDU4OWhOb3l0WHRZQlR4NEJaR3g1WFFydGpXeFBNRmMwWHRyMTI0V1ZLOS1aUVktM2ZnNFJKckl0cVNncVo1V3lBLWk5VnV4Z2tkWnFJOEFtWUV0ZENkX20zcVVHQ0c2RkcybEFMQXZJZ0NIUklDZm1GdzFGT1VnejNjdFRQcDNaMEZEOFd5aFlza3hleG05MGVnckJxbXJZRUlsakx2XzZ3eW5KMU9DN3BqWUx2ZzJsemU1RFZqX0kxZDBoc0tyem12TjI2R1AyZXFYTzVB?oc=5) · Consumer Financial Services Law Monitor
- 2026-05-21 [Chautauqua Lake Dragon Boat Festival Returns For Eighth Year - WRFA-LP 107.9 FM](https://news.google.com/rss/articles/CBMijAFBVV95cUxOY1VTeXpjM0pORmRsZVFhMGhmYkxueXVFVmxZMTdnbHRsNG1mZGhEYnpEV2ZNbHRsT0EtUnVFYVUwN1dwV3YxTGJvZm1PR1FHZDlQM2FMSzRsVF9EM0RaUmxyaVlhT2dEMU9JNGJ6eDd0blp5dm5XT0l4eFlhakp6ajl1LUJPZkVqNkI0OA?oc=5) · WRFA-LP 107.9 FM
- 2025-08-06 [Dragon Boat Races Return To Chautauqua Lake Saturday - - observertoday.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxQUHVKRkdudjdYUGJOQ0YtRGlMcTVwWnBORHFNNk5vVXBwX2xrS3BSdWRLVHFtempPNFJIWVJlSmRUWko3amp0TXB2X1FyOWd4NnJHLXlrSHZXOUFRWEtwc1lYdmZIcTYtX21mc29HcFRsYnBsdlNTdVBFLWtkTzBZTDZXMkk5aGw0bTJoZ0oxNFJYYXlQUlBoc0JTUFpCX2t1Vk1nX2Z5OFhXTFg1N1E?oc=5) · observertoday.com
- 2026-05-14 [Charles Robert Nixon Obituary | Morse Funeral Home | Brocton, NY - Tribute Archive](https://news.google.com/rss/articles/CBMie0FVX3lxTE5FVksyNUt6ZVk3cVI2QVF4T2RvVXQxOFM2MTVfTURZMEdmOThNWDJpVkg5TXRIQnhNdkNSWXJpTE5KWXBpMGhyS0hGVGEyMjR0MW5lMmI1UmZqYmc3V2s3eWNIeldQVWlZejBxVTdOa2F1dnNmdTN2Q05TNA?oc=5) · Tribute Archive
- 2017-02-28 [Jamestown Man Arrested for Robbing Credit Union in Falconer - WRFA-LP 107.9 FM](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNckJSU1h3VFJQZEtUcDcwMk9zbnoyQWpicVFDbkU1NUJqSnljQVQ1ankxcmtmTlZ6Y3V5elk3WFNhR0toYWswN2pkRmczZ21TZ0ZkSlRqWjRKTU5pWjlsdGNPVUdxOXUxUjNPek1KNmU3eVBMMVB5QWdVN2pXMlhraS1kVFpaX180WWU4?oc=5) · WRFA-LP 107.9 FM
- 2017-03-01 [Second Suspect Arrested in Federal Credit Union Robbery - WRFA-LP 107.9 FM](https://news.google.com/rss/articles/CBMihgFBVV95cUxPXzNCM3lIeXdJSENBZG1RbE0xeV9yVXBWckQ0RWR1dDdXR21BWW1UY3FabTExMjhWNGktdFZSdFFaUnU3RDVXazZRVXhlOFlhNEp1aHo4Y1F4bU1raGx5dG1XTWkzUjYxTG10RjJDcTByb0FjY2xmSzFrMm9GemtwX0cxRHJqdw?oc=5) · WRFA-LP 107.9 FM
- 2017-03-07 [Third Person Arrested in Connection to Falconer Credit Union Robbery - WRFA-LP 107.9 FM](https://news.google.com/rss/articles/CBMilwFBVV95cUxNVElYamY2Q3RYM0dyeENuMjF3bkV3NUNKWGJmZ0l5SVplamd6YXBNYzY3RDFiaXpLRDVPTHVsU01nVmJHZHRXUDBocU5vbzFER2NDVEtiYlItbjdKWW5HZWpsZGlFelNMSnVOTWh1UUdVX0llWHFfUzBRRDhGVGdnekFRb1JlR0ZOUE1xQ2ZjV041MnFiejgw?oc=5) · WRFA-LP 107.9 FM
- 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

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3759 (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/47.json (key "3759", 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=3759
- 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