# ACCESS
CLINTON, NY · NCUA charter 5579 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/access-5579

Who the members are: federal charter, community charter, organized 1947. 23,162 members of 805,000 potential (2.9% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 36.

**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 | $317.0M |
| Members | 23,162 (0.0% YoY) |
| Full-time staff | 43 |
| Net worth | $29.0M |
| Net worth ratio | 9.2% (p17 of band) |
| ROA (annualized) | 1.36% (p86 of band) |
| Total delinquency | 0.65% (p55 of band) |
| Net charge-offs (annualized) | -0.01% (p2 of band) |
| Loans / shares | 53% (p10 of band) |
| Cash / assets | 12.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.19% (p26 of band) |
| Operating expense / assets | 2.63% (p15 of band) |
| Vehicles % of loans | 34% (p52 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.34% (p31 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 61% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 25% |
| Average share balance | $6,395 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $18,529 |
| Loans granted, annualized | $48.9M |

## 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 | 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 | 0 |  | thin capital |
| 2019-03 | 1 | thin capital |  |
| 2019-06 | 0 |  | thin capital |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | thin capital, net worth falling |  |
| 2020-09 | 2 | margin squeeze | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | thin capital |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | net worth falling | delinquency rising |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-09-02 [Municipal Credit Union expands local banking access with new Chelsea branch - amNewYork](https://news.google.com/rss/articles/CBMijAFBVV95cUxQQWY1b01yTmQzYkFqT0ViTk1FYWdaNmZGVEZ2NlFVVkNDVTAxakJEXzNxQzliallWVk5PY1JwamVIMU9reFpYbGxOR1NqSGQwQW50R1pPX0RZbk5ERHNCZy1HM3pJYkVReGFIaFJMME5uM18yb0tBSG11N0VkRVdDQjV4WVcyR3FUMEY4TA?oc=5) · amNewYork
- 2026-07-14 [8 Credit Unions Anyone Can Join | Banking Advice | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMieEFVX3lxTE9QSi0tMEVzUDIwQjRjRXV3QnlzdzRwYUlwQVNPU1VFWHBMMTBXYVlqY296amFwRDB1d0x5R2JvdmJXZmpyNTE3X0JmRFdsT3hUNnl4alRKMFpXM2pSNG5TbEh6ZUtvQWNvdTRtT0pnYUhmelhVYXlTYw?oc=5) · U.S. News & World Report
- 2026-02-05 [ACCESS Federal Credit Union announces senior leadership changes - Rome Sentinel](https://news.google.com/rss/articles/CBMi7AFBVV95cUxQeWhRYXZkbDJZVFk2WWhEbHJUN1h0ZnZBQ28zNFJINEI3d1dIY2tWWmx2TkpTYjY2ZXlKRTFRRVloS2tRTDlsTFZ2aVFBSHBfQWpybmRpQVd0dm11ZG1qd3pRUFlKRGlSZHZtaHVUbmRtanhXYXJBMGxBOHZPWm1fc0JVdmVlYzNhTVdTdUV3MkxQRWx5cTFNTlprRUJmMG45NE5Ld3NtQmpkazBRLWYwS3RRcm9PZ0FIVm1hOEtaQjc2RlRCTVRaRWNtWVVpc2lrSlI4a3Y4YXRaOEJ4c25JZURaWVVKUkFuZllXSQ?oc=5) · Rome Sentinel
- 2026-09-02 [Municipal Credit Union Opens New Branch In Chelsea - Patch](https://news.google.com/rss/articles/CBMijgFBVV95cUxNUzdkV0EzUWF6bnVQcERCMFlBRHNvbnA4RHhZdFdtUDRFdktQT1E2ZVdrVG9QQTNRVlRqT0JkVWRSa3NGVTlzZ1lfR2YyM0NIcVRQX3ZEcHZGS0lCNHdna3RsdDE1Nlp4cUN3RzNEZGFiUDFVSDVMUHlHQW55c2M4Y2JrREJYNndUbHA5d2ZR0gGjAUFVX3lxTE01dEZXYXJjdWlhSl84V2dqdmZ2Mzk2SkJNNEo4T0tqZjk3bXRqUEZwcXA3WUF0SkxDTVhCU1pLMG5rRWxRUnRxQ2VqVEVncjdGU0YtMkdrcGdPUmpGeVNwUHFJeHBIelVlSEZDeXpHS3B0RFN2QmM0VUtXZkd2WERDdVFVZjNaQXRaVUktSGRua1pLZnRRclhkTms0cVJrendscGs?oc=5) · Patch
- 2026-06-10 [Credit union inside Syracuse Housing Authority closes as I-81 construction creeps closer - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2026-01-29 [Rochester lawmakers target earned wage access payday lending - rbj.net](https://news.google.com/rss/articles/CBMifkFVX3lxTE4wcWxUckNQRk1hVzlfM2d3YmJXRFQzX0x2SzRKNlpzRlFjWEg1ZEdxbVFDREx3T2hkNVJrMTR3M2R1aEJRd0Rxa3ZDamxHWk9zTWFJMWR3cF96cVZIenZFeVFhYXhPS2RxMVNab1c0MW5HSVZrcmFBNG0tN0U0dw?oc=5) · rbj.net
- 2026-06-08 [Sunmark Credit Union expands membership to 9 new NY counties - WNYT.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxQUExRd3ZiOGViNXNEWnczcXBCbEdZTTVrYUx6dUI2WVN2MXFPZkk1dHIzeTNqZmw4bjl6RHFWNUluSHRPV2dtb1o3TE43RVR5bUxUU0EzUG1rXzJUanRsZ0xlQ0pRdVNmTkNscVF3b3B0R1d6WTRjcnlGUFZjTE9DMGdjS0t6enVqVVgtVFRaOUVDQ1dqOUx3dHBXMDB6ZmdkZjlhWmlKWTVYVmtoS1NIRUp5MnVYdw?oc=5) · WNYT.com
- 2026-06-09 [Embedded earned wage access platform Reset raises $6m - Finextra Research](https://news.google.com/rss/articles/CBMimwFBVV95cUxORXJpejlORG8wY3lLcWFsRE5GSExheUUzWEZOQzB5ajFLdm0wbnhPYXNLS25hMm5sQWFfcEJqUWJ5VlBCSXR1SW9BTnJzWDZTN0t0UXA5U1R4V21KRmpWckpTbEpMSC1wVjBXWkd2T3FNanVtUzR6UnE3N1VmLXM2M1JadUhwZFljN3B2LW0xMnI4R3AycE82Zkp1WQ?oc=5) · Finextra Research

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5579 (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/11.json (key "5579", 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=5579
- 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