# AMHERST
AMHERST, NY · NCUA charter 5439 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/amherst-5439

Who the members are: federal charter, community charter, organized 1947. 3,875 members of 272,201 potential (1.4% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 46.

**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 | $42.5M |
| Members | 3,875 (0.0% YoY) |
| Full-time staff | 7 |
| Net worth | $4.4M |
| Net worth ratio | 10.3% (p18 of band) |
| ROA (annualized) | 1.23% (p78 of band) |
| Total delinquency | 0.14% (p28 of band) |
| Net charge-offs (annualized) | 0.02% (p52 of band) |
| Loans / shares | 57% (p49 of band) |
| Cash / assets | 7.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.65% (p40 of band) |
| Operating expense / assets | 2.97% (p31 of band) |
| Vehicles % of loans | 42% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.17% (p39 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 91% |
| Certificates % of member funds | 7% |
| Average share balance | $6,003 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $12,218 |
| Loans granted, annualized | $9.8M |

## 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 | 2 |  | delinquency rising |
| 2017-09 | 2 | members leaving | net worth falling |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 4 | net worth falling, delinquency rising |  |
| 2018-09 | 2 |  | members leaving, net worth falling |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | delinquency rising |
| 2020-12 | 4 | margin squeeze, loan book shrinking |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 3 |  | loan book shrinking |
| 2021-09 | 1 |  | net worth falling, margin squeeze |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 2 | assets shrinking | delinquency rising |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 1 |  | thin capital, delinquency rising |
| 2024-09 | 1 | delinquency rising | assets shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 0 |  |  |

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

- 2026-05-20 [Six Charged In $1.3-Million Fraud Scheme Targeting Banks, Credit Unions With Stolen Tax Refund Checks - cutoday.info](https://news.google.com/rss/articles/CBMi0gFBVV95cUxONlFVdmtoV2RvM3lHNG9MaHlDRUVqYzZRVlNtUFJrYnNlNHlENXkwQlk5RWVIRV82cGVkRGEzUUJQbnFiRXljc0wzMU1MdVlUOHoyaHNmaVhmcGFjM2QzVERvRHRhR2JwdE1aNDJKSTRCSFFVZEhmc1VaZ0tBQnZ5ZTVESzVwcWRyZ0l0SlRtb0dJVG95dU9jc0lOZGFZX0NrcjBWcnRHUlUyN3RJMEhNazRLYjcyeGFNOG5oOGZidXY3R1BYN09aVUJFUVdPWjcyMmc?oc=5) · cutoday.info
- 2026-06-22 [Empower Federal Credit Union’s community-focused approach drives member retention - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPTmVvMDZGQWZadXFhc3FvMU1GTVN3b0VWRGt1UlNqQlNzcFlYT2dzMF82ZDZfbF9KM3ZhYzVVLW5SaEdGZU4yQkZUbWdwRjdjQ2hGM3N3dGpMVW1WdEdnU3ZoLUFXbnFZX1RuN2RqOEMzMWNmaUlDQ0hKTU11cTZoS1h5ZXA5YmJJbkE1bjZfUm5GckNnLUtseUh5aUU2S1NkQVk1UFlRbThNdw?oc=5) · The Business Journals
- 2026-05-18 [Fraud Ring Allegedly Uses Fake IDs to Steal $1.3 Million From Credit Unions & Banks - CUTimes](https://news.google.com/rss/articles/CBMitwFBVV95cUxOalptaG1aZFFoQnBqZmpIMlN0RXo2S2lxN3pGaks3Y3lPTmRkN2hqdzJjLW9MNGJERExTZ1hYbWlLOEdfdFZ3elM4aDlNUVB1RzY5ZHVDcmdFVlkxSHJTOE9lU1dHTDJMSm9vYWpVR1NMeENnbENSN2lXZ2xzNi1od0o0QXlOb2lwNzhoMjBGLXI4WlJMWXExSDA3dDVvLVJHaTY3QUJ5WHRreEZsMUxURkVLN3ZvNzQ?oc=5) · CUTimes
- 2025-11-03 [Amherst Knights 15U AAA - MYHockey Rankings](https://news.google.com/rss/articles/CBMiXEFVX3lxTE83RlB1M1FudGd1dm1WamNSVlZWZGFwRGFzV3BtM1AxTVplbEZUWlltcGwtOHBjTnlnekRRei1QeENBX1VabFpzcXNDbWJsVnBJT05uMUttQmRsT3c1?oc=5) · MYHockey Rankings
- 2025-04-30 [Holy Cross' Schuermann headed to Amherst, Va. for NCAA Regionals - Patriot League](https://news.google.com/rss/articles/CBMisgFBVV95cUxPam54UE1BZERRbTZJLU9ySTJ1a3hIRzRUczUya2o3bzczSWI3eFVsbVAxdlFJcHVLYURWcU1LcThYX25odzlBZXdmY3hjSjhCR2V1TVVHRk9tUjVnWHBBa2pveW5VaExOME9IOUljNzY2TDZ3YUY3Rjg1Um9qSmxGZDVTT2NMV0luekhQQVJRWm9ucUtyYmxSV2gyZHA1V0VJeGZpS1NIb1BhTjdnaWF4T1pn?oc=5) · Patriot League
- 2026-07-03 [High-end deals continue to lose steam in May - Buffalo Business First - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxQMkRIUW1JbE5sRnRndXBUZkRVdExBMlJzVzUtYmtfTWxjeXE5SjdnNHo0alliN0FmVHVDM1E5YUZBc1Z2X3ZDcC1rMmFld2c4bVh5VnlrUnk3dzVDOG1NZllCWUJLNE5QN1BYVWYyTnphbkZKaVM1cGx4NmRxdmtJRFU3bXZLSXVPWnZDaTFaOG9XcHRSUGpfVGRqamRsZw?oc=5) · The Business Journals
- 2025-04-29 [These are the Best Credit Unions for 2025 - businessinsider.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNOUd2T25QcUx6dTJzZDV2RGR2c1hPTzBOcTRmZm45OVFkUWJsR2trVjBXQzhFaVBqQVJoS2pSTVpjaVBMS2IyRXZKUVR5bEpCTzRvRTdWLVEtTkZMXy1LeGJ1dERkR2lWcUcwci16OGtkZmR6cEVfeWVaU1NMYS1JVQ?oc=5) · businessinsider.com
- 2022-05-13 [Cornerstone plans new credit union branch in Lockport - WGRZ](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPaFhLWUhpMkhzR3NNU0ZSQ3JpeUp5SHFQRmdNMXhSQ1UyQi1ISVVLQ25OdXJxUDc4VVd0cF93TVZHR054MWJUZ2xia1I3Y0ZrV09TdFVoUVVfUEpMTlJ4eGNScm13T2x1dFB5MDRQYkxWVlRneU0yQzdsaXBVSkF3WUhWVWZNdngyRDJaX2ZNUWxha1pQeWhObTdUQXNOMDhJaG5zTHdxZVlQdE5hWlp0ZzBNTGdoODBYcjJpYnA3c0ZQNXFCSmI5cFhJWGZONDFFYVRtTTZjNkt6NVdadFd1MHVlR0pEaHRLYVFpTw?oc=5) · WGRZ

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5439 (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/63.json (key "5439", 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=5439
- 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