# BROADVIEW
Albany, NY · NCUA charter 51 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/broadview-51

Who the members are: federal charter, multiple common bond, organized 1934, low-income designated. 511,058 members of 1,763,996 potential (29.0% of the field); checking penetration 83% (share draft accounts per 100 members); loans per 100 members 72.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $9.20B |
| Members | 511,058 (1.6% YoY) |
| Full-time staff | 1292 |
| Net worth | $804.6M |
| Net worth ratio | 8.8% (p10 of band) |
| ROA (annualized) | 0.48% (p29 of band) |
| Total delinquency | 0.64% (p52 of band) |
| Net charge-offs (annualized) | 0.30% (p25 of band) |
| Loans / shares | 84% (p42 of band) |
| Cash / assets | 9.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.07% (p35 of band) |
| Operating expense / assets | 3.38% (p60 of band) |
| Vehicles % of loans | 20% (p34 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 56% |
| Third-party paper % of net worth | 102% (p40 of band) |
| Vehicle delinquency | 0.58% (p51 of band) |
| Vehicle NCO | 0.35% (p10 of band) |
| Repossessed % of vehicle book | 0.14% (p70 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 95% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 20% |
| Average share balance | $6,616 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $78.2M |
| Loans outstanding per 100 members | 72% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $19,068 |
| Loans granted, annualized | $2.08B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $78.2M outstanding purchased (9.7% of net worth), $142.7M sold and retained. Sold in 6 and bought in 4 of the last 8 quarters. Shares 5.8% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## 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 | 1 |  |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | 3rd-party paper>100% NW |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 4 | net worth falling, members leaving |  |
| 2019-09 | 3 |  | net worth falling |
| 2019-12 | 3 |  |  |
| 2020-03 | 5 | margin squeeze, charge-offs p90 |  |
| 2020-06 | 3 | net worth falling | members leaving, margin squeeze, charge-offs p90 |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 3 | margin squeeze |  |
| 2021-03 | 5 | capital below 7%, net worth falling | margin squeeze |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 2 |  | capital below 7% |
| 2021-12 | 3 | delinquency 2x band |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 | delinquency rising | delinquency 2x band |
| 2022-09 | 1 |  | 3rd-party paper>100% NW, delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | net worth falling |  |
| 2023-09 | 4 | members leaving, leaning on borrowings |  |
| 2023-12 | 3 |  | members leaving |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 3 | assets shrinking | leaning on borrowings |
| 2025-03 | 2 |  | delinquency rising |
| 2025-06 | 2 | net worth falling | assets shrinking |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | 3rd-party paper>100% NW |  |

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

- 2026-06-08 [Broadview Federal Credit Union Names Roswell Park Community Outreach & Engagement Center - Roswell Park Comprehensive Cancer Center](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPTHNvN2JuMjg4QXdYU0lSamlpTVg4T2RDUEdwbkNPVEE5dm43OWsxOGxVWUNGbVlrUHBDVVFUWWpvclNudWoteW1weFBkTnhlRi1SVy15VXVJdUdMTU9GUXRHYXB3ZkdRcUF0WlF4Zkp6UzE5MjZLTmVJTXRWOFB4d0ZjYlRLV3hIbDZfUDhpNHBaTENEMlZ2Q3lMRlFBd3ZpWDBJaklQQnc1YmZVYzJnS1FRM1Q0Yi1yTFZsOGpMb0I?oc=5) · Roswell Park Comprehensive Cancer Center
- 2026-05-15 [Broadview hires veteran investment banker to lead business development - Albany Business Review - The Business Journals](https://news.google.com/rss/articles/CBMihAFBVV95cUxNT0ZKUTNTNTdYd1M1bUJnTlpQdVAzOWNNSERoSzhucnRKWC1tc01CSTBhMHItbERZVFJLVVh1RDh1NjJjVnVaeVFRcG1Ha0FubHRFLU5JWEZIVnNSSjZEN1BXeEtlZFB3VnZRdUV0bEtGelpQZE9yRU1pOFJMTXpTWHk2UDI?oc=5) · The Business Journals
- 2025-11-13 [University at Albany, Massry School of Business and Broadview Federal Credit Partner to Pilot Educational Programs for Businesses - University at Albany](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOaXI2LXlleEZBRFpCNk5sVXhYUnhCRXhWcTA0ZHJ3M3dIWmVNVVBLVm1NYWhGNGN1endSaDRfc3NHTXptUGpaUm03dWNBUUg1SUgzc1oxYUtHdEVCY0lDb2E2eGsxWmN1elRZNnVBWDZOMGlHcXNlb1AxNjI0R1FVNExWZUFHUmJQc3p0LVlxN2FSTkNtbFgwVDBYNUllZGdwU1FXM3VucGdpNzdlQlRZcklNSy1ka2c4QU5r?oc=5) · University at Albany
- 2026-03-11 [Broadview Welcomes Rebecca Wood as Senior Vice President of Hospitality - Capital Region Chamber of Commerce](https://news.google.com/rss/articles/CBMirwFBVV95cUxOSkItVE1nNFI0N1R5cnlCNjJyY2FVODFqbExFbGpNZFNYV05CRV93LVdXN2JHTEhIb3BjVl9qenpDRy1zSVFjYndOWlpLOWE1MUFReHZ4cEdfQzdxX01DY1BJdGI0NE1udm9vaXJCcU5hUUE5UEx1RWl1cGFrWDVUMFRxa2VPdkEwY2tJN1FqNWVMX0V6cGRtcGtGNV93c3hZODFkX2NkNXoyNHlHSWFN?oc=5) · Capital Region Chamber of Commerce
- 2026-03-11 [UB, Broadview Federal Credit Union announce $31M partnership for naming rights, student scholarships & student support - Niagara Frontier Publications](https://news.google.com/rss/articles/CBMiigJBVV95cUxPVGQtckZZWGFXU0dnSnVQWHNhNHB6LUpaZVpLQ2otaGRZUzNKOThNU2oyWXJ3NjU0eGl1X1lvQnJzNlBMM3dZdUpKR1I5Y3lDdjkzQi00ZUVkaUlSeVRGM1pFRXlUeE96Y1RtR3JNMElfZW81Zm13aEY2ODB3amVCUDM3eFZTaXI0WnJ1SldVcGFnaFBjS21jNm1qUG94ZldzNzhjM2twVzdwMHY1ajhaOHRIdXZMSTlEMG9RbkRRRGlWVDNzWks1Z0NBLVRISE1xM3R6NFNDM2dmTDBlWjVETW1acEVvOE5CQXhwUU9yZzVXMElpQ0ZCTlBmdXdJc2hYbUVnVjJzVjBLdw?oc=5) · Niagara Frontier Publications
- 2026-03-12 [Broadview FCU Lands $31.76 Million, 15-Year Deal With University at Buffalo - CUTimes](https://news.google.com/rss/articles/CBMirAFBVV95cUxPVUpCbzBaRVIzbFVtQktxMS1yZlV6bHVwWjhNQnh6RU5CQU5aLTl2U2RTRHZvbVcxZW5pVXdQWU90djVoWDFCYk9tYVVXZkZiVFNjY3NhRFV1Wl82RDlsaHlNOWNUTVdTaTVFTkk1ZGtjdjFpX1FyeTZHeno5WndRaXZKTEVkYzFBUnNub2JibWYyQ2Z3WG1HNVNEZUFxWm56dVczeHVMb0xuWmUt?oc=5) · CUTimes
- 2025-11-10 [Broadview donates $750K to help those hit by SNAP cuts - NEWS10 ABC](https://news.google.com/rss/articles/CBMimgFBVV95cUxNWWt5SzdZU056UXlnUFAwUFNPdjZCeFZiaWI1X3BwdGFwNDJEb2N6X0IwX0RlMTAzQ0FjOGxLOEtOU1AwbDA3YnliLVF4OG9MVjJkMVhyT2dhbWVDRDU4ejJWaVk0SFZaUzZtUXZuUUIySmxNbkVad0FTcGZzXzFaeXdnVU9BMG9qWXZXdjFJa25SMkxjc3ljcUx30gGfAUFVX3lxTE5DMExFLWtMMEhIRkl2OEVzMkEwZk5uU2g3YS1QTjVZeWFGSlprMnh3a3VwOGd1UE00cVlWSzFIUnFRYWdTNTl2WklvcS1qZzN1VmRrTHlFREVNaWV5ODRfOS1pdm5hcnYxRU9zSDZkZEEzdThIcDBxanpGMWNJUHF2TkRkbnFwTnl5VXNQS0JuN1VCRmpfSDRxUkpxVDFSSQ?oc=5) · NEWS10 ABC
- 2026-01-26 [Broadview Federal Credit union donates winter essentials to homeless shelters - WNYT.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxNbDF2ZkFIX2NWNHZfckYxbnlISllMd0llUG9HTHEyOUJub3UyY0dBOGJ2QmdxY2xRODNnV1VBWFRRMkE4b2V4SDd3ejJFSzd5ampJRE1MNjE2NFhsRGlLcURNSklYeXA3bF80V0tURkJVYkxRZ29aajVpclVIWkM4UVRacEJ0TmppWG8wbkpoZkJid1I5WGEtREVaU2RrOGNGOTFBRkh3V0hBVjczbURJc0ZqQkZJZw?oc=5) · WNYT.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=51 (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/51.json (key "51", 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=51
- 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