# ADIRONDACK REGIONAL
TUPPER LAKE, NY · NCUA charter 5546 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/adirondack-regional-5546

Who the members are: federal charter, community charter, organized 1947. 7,001 members of 256,021 potential (2.7% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 26.

**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 | $86.9M |
| Members | 7,001 (-1.8% YoY) |
| Full-time staff | 17 |
| Net worth | $8.2M |
| Net worth ratio | 9.4% (p14 of band) |
| ROA (annualized) | 1.11% (p71 of band) |
| Total delinquency | 0.82% (p64 of band) |
| Net charge-offs (annualized) | 0.72% (p81 of band) |
| Loans / shares | 60% (p47 of band) |
| Cash / assets | 12.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.61% (p48 of band) |
| Operating expense / assets | 3.59% (p52 of band) |
| Vehicles % of loans | 21% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.73% (p60 of band) |
| Vehicle NCO | 0.82% (p77 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 74% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 11% |
| Average share balance | $4,897 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 26% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $26,147 |
| Loans granted, annualized | $7.3M |

## 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 | 2 | net worth falling |  |
| 2017-03 | 3 | losing money |  |
| 2017-06 | 1 |  | net worth falling, losing money |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | losing money |  |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 1 |  | losing money |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 1 |  | margin squeeze |
| 2021-03 | 3 | capital below 7% |  |
| 2021-06 | 2 | delinquency rising | capital below 7% |
| 2021-09 | 1 |  | delinquency rising |
| 2021-12 | 1 |  |  |
| 2022-03 | 6 | capital below 7%, net worth falling, margin squeeze, delinquency rising |  |
| 2022-06 | 3 | delinquency 2x band | capital below 7%, net worth falling, delinquency rising |
| 2022-09 | 2 | delinquency rising | margin squeeze, delinquency 2x band |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 3 | losing money, delinquency rising |  |
| 2023-06 | 1 |  | losing money, delinquency rising |
| 2023-09 | 4 | delinquency 2x band, delinquency rising, members leaving |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 | net worth falling, leaning on borrowings | delinquency 2x band, delinquency rising |
| 2024-06 | 3 | delinquency rising | members leaving, net worth falling |
| 2024-09 | 4 | delinquency 2x band |  |
| 2024-12 | 2 |  | leaning on borrowings, delinquency rising |
| 2025-03 | 3 | assets shrinking, loan book shrinking | delinquency 2x band |
| 2025-06 | 4 | delinquency 2x band |  |
| 2025-09 | 2 |  | thin capital, delinquency 2x band |
| 2025-12 | 0 |  | assets shrinking, loan book shrinking |
| 2026-03 | 0 |  |  |

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

- 2024-11-18 [Wild Center’s Wild Lights holiday display returns Nov. 29 - adirondackexplorer.org](https://news.google.com/rss/articles/CBMisgFBVV95cUxPUkdXUTBCWVBRTTlhamZ4ODF0Q0JHN2lWQ2gwSUgwRUtTbE1WM1JrX1VsQ0dQVUluWG8wRER4bXAxYmtqaXRpM1R1TEd5bHl0d2o3Y2RvOTExVkhPZzB3bFloT3Ftemw1R3diNWhhal9QYjB5Q3lxbmxlR1RLRFJac0ZNWDhLa09hdlNCTm80RFNfNzZBQWxRc0k4UTBWckNoOUZialZaYUNONXF3VDNOX2x3?oc=5) · adirondackexplorer.org
- 2022-11-10 [Second Chance Checking Accounts By State - Lee News Central](https://news.google.com/rss/articles/CBMisAFBVV95cUxNOW82MnUyWmVEZUJGbTJMUkhhOTI3eDFWLUxEZnIteV9BVmlnRTZLYzZJY29TeWRKZ0p4NHhBbVUzejVscnRWTG5BcW5Pc2tVQU9fMG04RFpLMGNMT05UaTlMTTRWVlB6Y1NRNkt6dTk0cWU4dVB0VWZHWC1MY0tBanRsWjZlNjJ2RGhrM21kd3M4ek5DLXgwZzg5YWVzUkRzeUpZMExhUjRCWER5MnFWOA?oc=5) · Lee News Central
- 2024-10-23 [Griffiss International Airport Set to See More Than $1.7 Million in Federal Funding - wktv.com](https://news.google.com/rss/articles/CBMiggJBVV95cUxPOTFzbjRMV0txSmhzcUQ1OFFlRklENVhaeG1uTGxNVXRBODN6ZVBRUUtfRmhOZGtXcFlLdW5qNlRsMENhbnhpU0JpUjltYzF2V3VQOGlheFRDYjhDMW8wS1N4UmV4X1A0Skp1S3NCdlVKNDNzWGtzTXNfTEE4V0hYWC1qQXNjaEdUZzdBbG5KWDUxNTY4V2RJandRSjRpVEpoa3lWRTVnZ1VnOFhPR1g3NFdEaVozbG91OWJxNllsMmNyXzd1MVFCTEVoVEhDYVltTUZqSk9QVEJOREliN3VDZUNXYkRITHB5elJpeXJ0RndVQ1o1TXI2REdGcmZFTWdWamc?oc=5) · wktv.com
- 2023-11-12 [Tickets Now Available for The Wild Center’s Wild Lights - adirondackexplorer.org](https://news.google.com/rss/articles/CBMisAFBVV95cUxObElCa0lCcDZWZHlzTjhfSGxFaWF6SGxoN1ZMazRzMEl5ZE1fZ0lnRTVDdXBXOVNESy1uWm56aHZRa0N5WnBVWkFJb2M4TjdSTmFsR0xodVZrWUN6bm5qOV8yTjhLNXVvMFlmVlM4a1NtSTBSUm0wOUhXZWo2T2o3X3ktdUZmeUJWVGlPaWNrM0w4dWdlWnRnaUhjT0dxRTdMM001U0xyNTd1VUJBSUNxag?oc=5) · adirondackexplorer.org
- 2022-01-11 [Michael DuBray Obituary (1972 - 2022) - Queensbury, NY - Post-Star - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOZksxaDlmOFV6Wi1rTEJtenEyeUNxUGFuOUJpYzdlcmtqSnZ5LUhOTXFQZzFGcjlkZWQ5QW5qYW5Bc0ZibHo4U0ZUTjRLMHZRRkJQRG02dWQwdzBNdjFDVkxiekZROWJhSHh3el95VjBpUWJVN2x2SEdHR2k3Q3pEMUpwbURCMjFmbzg5MkhnTQ?oc=5) · legacy.com
- 2017-01-06 [Personnel Briefs January 2017 - Saratoga.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNWG54dFN6anJlU0RiNENEclBjdDhFSDNpU190dks3c0ZVSDFTTzRHblZDSzhxcm4tYlY0d2dlY3lvQ3pNVXNtU0IwRzdob29EMEZkZnNkcThzWGVaajhSSVhPdTkwTV80LWxwMlNmMGM1cXdMa1hVLWcxMWRjczdJX2FrRUN4VUZNejJSZlVvRnE?oc=5) · Saratoga.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5546 (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/42.json (key "5546", 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=5546
- 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