# COUNTRYSIDE
EAST SYRACUSE, NY · NCUA charter 4745 · asset band $100-200M · latest filing 2022-06 · stopped filing after 2022-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/countryside-4745

Who the members are: federal charter, community charter, organized 1941. 4,721 members of 473,236 potential (1.0% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $161.9M |
| Members | 4,721 (-4.0% YoY) |
| Full-time staff | 15 |
| Net worth | $29.5M |
| Net worth ratio | 18.2% (p96 of band) |
| ROA (annualized) | 1.51% (p95 of band) |
| Total delinquency | 0.63% (p72 of band) |
| Net charge-offs (annualized) | -0.07% (p3 of band) |
| Loans / shares | 98% (p98 of band) |
| Cash / assets | 17.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.40% (p44 of band) |
| Operating expense / assets | 1.71% (p6 of band) |
| Vehicles % of loans | 5% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p15 of band) |
| Vehicle delinquency | 0.00% (p4 of band) |
| Vehicle NCO | 0.00% (p9 of band) |
| Repossessed % of vehicle book | 0.00% (p35 of band) |
| Real estate % of loans | 84% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 33% |
| Core shares % of member funds | 37% |
| Certificates % of member funds | 26% |
| Average share balance | $11,521 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $49,101 |
| Loans granted, annualized | $25.4M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | loans>95% of shares |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 3 | delinquency 2x band |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | losing money, charge-offs p90 | delinquency rising, delinquency 2x band |
| 2018-06 | 1 |  | losing money, charge-offs p90 |
| 2018-09 | 2 | assets shrinking |  |
| 2018-12 | 3 | delinquency 2x band |  |
| 2019-03 | 5 | delinquency rising, members leaving |  |
| 2019-06 | 4 |  | delinquency rising |
| 2019-09 | 2 |  | assets shrinking, delinquency 2x band |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | delinquency 2x band |  |
| 2020-06 | 2 |  | delinquency 2x band |
| 2020-09 | 3 | delinquency 2x band |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 4 | net worth falling |  |
| 2021-09 | 3 | delinquency rising | members leaving, net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | members leaving | delinquency rising |
| 2022-06 | 3 | assets shrinking | delinquency 2x band |

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

- 2026-04-11 [Credit Unions Continue to See Growth in Membership, Assets - Oswego County Business Magazine](https://news.google.com/rss/articles/CBMilgFBVV95cUxPMERkZzJiZ3FTcWs2eEFoOUpRbUFCNTFPV2N0ckN3OXNVM1p5d3Zrb0UtMzZTRVp1QldlTUpTSmlpRmhhekQtNDllMWdadGlad2R6N21Qb052VDhwdlJ4TUlCZHdMOFcteERkSFVjTzgyWFdwMTN3RlJ6R21mS25sZmtDLVJ5S1U3OTRTNWFuSl9jWjdZZHc?oc=5) · Oswego County Business Magazine
- 2025-10-28 [Brenda Vohs Obituary Oct 28, 2025 - Burns-Garfield Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTFA0MDFyc1JvWE5ZUXFZQkJ6QmZ3V3k1LWxDYnFGdWlRSDl4WWk3N2dtZF9CX2NNM3NjMnRYaXpybHhJT0xXVkRkRmI2WlFfVXhuQzBxWGtlWnRGbkZtLVBkQVFCSlE?oc=5) · Burns-Garfield Funeral Home
- 2022-08-12 [Northern Credit Union to merge with Countryside - WWNY](https://news.google.com/rss/articles/CBMihgFBVV95cUxQQWs2YUQ5T2Nsd3ppX1FNNEplcl9aRUhDUHJWdHFDdEpscFJtcnRkWTYxY283czJpZ212NEU2aXhvUm9MQ29vTWhUSXRVV1RZTXA2RU5wU1JuX28zbXBDdVdSRUc0X0pqMVhJUUNfMTM4Wk95X1pMYk1Ya05PbjdnTTRaUlVZQdIBmgFBVV95cUxNZWE4WWJhbFp0YUZ0enkxT0U0T3hKTGhHV05NdllUQWdEellINXlMcDRqb1VETjRBSklQdjdmTWpocVA3MzBESmFVWTlZMWl6SXNNSE1Gd1R4SVpRNXF3UzFPSVJBcXZOcVlUSmhQWFR0YVlNQzVmRFhzcWFIOW9tRlRnTDllSDhtSWsyVFZzRm1aVmZjcUJfQkV3?oc=5) · WWNY
- 2026-06-22 [Kenneth J. Ferrara Obituary (2026) - Neshanic Station, NJ - Countryside Funeral Home - Three Bridges - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQT0d6LVZFVG41Tkw1bEFReXNGYVRBeTJ2NDJrc1Nybnd0YkUzUExJSm5mNHZlclYxZmtnbzlBNWpsREtNTDBEem03SkhQZmJybldBMUVJeFZEUkJjOUNxVHR2M0k2S2FKVmJwTlFhOVNfVjRzOVhJUGRlS01zN0JMVzJ3dmI?oc=5) · legacy.com
- 2022-06-28 [A Deceased CEO, A Big Staff Departure, No Payout Despite High Capital & A ‘We Like Them’ Partner: Here’s the Latest on 8 Proposed CU Mergers / Fresh Today / CUToday.info - cutoday.info](https://news.google.com/rss/articles/CBMi_wFBVV95cUxPSTBPVFNTZ3dBaFA0SHVwZGI0UXFzUlFJanZ0a01mOW9LaVlKbERscmp5T05rSXIyaWpFMWhZamZjc3lkeWl3V1hlWHRqWmNIOUtyUHRURTlZWF8zNEYzVVp4aVVncUJCUUlFTnRWbHgtWDRoZFRKb3VtbURDSW80aVlEM3poUGhnWWtSWTFZRXlYUUx6SVlqU1MwRTNlZU9vQlBnUEtkUnVEOFFuRVhqNVg3MTV0d1FsXzdFM3Y1cVBaSW1ac0ZZRmhUMmt3QUIwZEVLR3FBektuWkZUTEZaaU5KNzdxM1pfd3VtVTltdGF1T2ltVWRUOHZWV01UcFU?oc=5) · cutoday.info
- 2023-02-21 [2023 Treasure Hunt: See Clue 3 to find the medallion - Syracuse.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxOd1NybmVpRnF6ZGhSNGpoMmdOV0xOQ2l5ZDR1ZjNKZHVXalc0Q2dVWWkxVHV3T1ZZbTA0a2hTVFVjZVc4YUJEUkFNdGpIc2x1eWF1dVJ1d2hXMmpzN1BLX1RUR0k1RERMdEIyb19YeUo4dEFHU3dWSUhuODQtLUk2Q2NjY1VVeGt0MXpqb2tCMHdOdEdXamRDWjBNUmZKWVVVbGVhQnd3?oc=5) · Syracuse.com
- 2016-07-22 [ESL Credit Union labeled "healthy credit union" - Democrat and Chronicle](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQQkNfUVJOSGtHTm5zbm1KUzUzWmpVMnUxNDZiTW05XzQ4VEtXTnpPLS1MemtLQWhkUTk2MmJyNWRLMFZ2blM4b3UtX0VMVFlsQ0MtTUhSY2h2SzU2WUllNzFTR2JFZmNYSGRWVmtaeWNrbnc0V1hsRmgyZXVVZGI1Y0VrM1ZaYmtoOFRqVnhpOC0wV3NGbHlYUkFCNUl1U3pIbEVKOGplVmdYR2dOcXFOc19kVXBDbXNVREwySGZpOWIydw?oc=5) · Democrat and Chronicle
- 2019-10-13 [Onondaga Regatta 2019: Pumpkins race for first time on Onondaga Lake; who fell in, who won? - NewYorkUpstate.com](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNbkFFYjVTbk5MMFpabXR0VXpWUjcyT0s1d2R3OVdKVGpuZjVubGZXS1ljS0p3YnJQTzdmWWRWd3IxSHBwWlZwWXBLVkpmM09HRC1YekIwX0IxWW91R0Y5STdib3VrR3VpZjNfbVhxNC16YmlqLXBGYzVlMlRTdGJKV2hqc0tMa3A1b2NBbDdoOFd3Y2tHR0dzSHhrX0I5WlJBdDY3bUIybXpoRUllUUxOZTBvd2JKeW1kellvZFI3Z2haRjlGandBNGdEcGhESGc3WHMyX1p0eUpHX29nTThQOVFHQTMycUNPdmhkMXBNWQ?oc=5) · NewYorkUpstate.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4745 (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/9.json (key "4745", 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=4745
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide