# SIDNEY
Sidney, NY · NCUA charter 6011 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sidney-6011

Who the members are: federal charter, community charter, organized 1949, low-income designated. 75,418 members of 976,187 potential (7.7% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.28B |
| Members | 75,418 (3.1% YoY) |
| Full-time staff | 226 |
| Net worth | $130.2M |
| Net worth ratio | 10.1% (p36 of band) |
| ROA (annualized) | 1.31% (p87 of band) |
| Total delinquency | 0.72% (p62 of band) |
| Net charge-offs (annualized) | 0.59% (p58 of band) |
| Loans / shares | 88% (p54 of band) |
| Cash / assets | 9.4% |
| Borrowings / assets | 0.03% |
| Net interest margin | 4.02% (p90 of band) |
| Operating expense / assets | 3.28% (p55 of band) |
| Vehicles % of loans | 41% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 89% |
| Third-party paper % of net worth | 297% (p85 of band) |
| Vehicle delinquency | 0.78% (p66 of band) |
| Vehicle NCO | 1.08% (p56 of band) |
| Repossessed % of vehicle book | 0.21% (p84 of band) |
| Real estate % of loans | 41% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 56% |
| Core shares % of member funds | 39% |
| Certificates % of member funds | 41% |
| Average share balance | $7,285 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $394,114 |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $22,393 |
| Loans granted, annualized | $301.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $394,114 outstanding purchased (0.3% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 18.5% year over year.

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 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 | 2 | net worth falling |  |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 2 | leaning on borrowings |  |
| 2019-03 | 2 | net worth falling | leaning on borrowings |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 2 | auto monoline |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | net worth falling, margin squeeze |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2022-03 | 3 |  | delinquency 2x band |
| 2022-06 | 4 | delinquency 2x band |  |
| 2022-09 | 4 | net worth falling | delinquency 2x band |
| 2022-12 | 3 |  | delinquency rising |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | net worth falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 1 |  | auto monoline |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | loans>95% of shares |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 1 |  | net worth falling, loans>95% of shares |
| 2026-03 | 1 |  |  |

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

- 2026-02-25 [NY-based credit union will open its first downtown Syracuse branch this summer - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2026-07-30 [Delaware Opportunities receives $50,000 donation from Sidney Federal Credit Union - WBNG](https://news.google.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?oc=5) · WBNG
- 2026-04-13 [Community Spotlight: Sidney Federal Credit Union(sfcu) - The Evening Sun | Chenango County, NY's Hometown Newspaper](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWFh0TkpGdVREa2ZobjhJWUtMTS1mVV9kZ1BBNkIyc0FzX251eVVuekR5aHVBcWFhdlF4SUV5b3VvU2NsVnRjRHU5WGRjSkxNTnBUSTR6elVpNUpOdzlRdGhKLUhteW5jLVd2SWhrcGF2ZnBRd1pyLS1FUjczcE9yTEFVQmtFT0lrREZLRllKZ2o2TVVpVXg0c3VjLUN4WDk4MGtuVzNlUnBPWEU?oc=5) · The Evening Sun | Chenango County, NY's Hometown Newspaper
- 2026-06-19 [Danielle's House gets $20K for supportive housing from SFCU - The Daily Gazette](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQR3ZaLU1PZnhTYzZrQlVUNVF5cFBzT3o1cllwVGhBRS0xdlFZaGtPWEd5S1pzZTNWZC1aeUx1aE44MWNoQmpfQ3pqRFdZZl9VbmdXQjRhQ0d5M3VhUVVUd3hPbWwxdTY1T3NQeF9KbHZiTHNTZkMtejJBc0ZDbE5qV044cTlnN1NTRkhDbnhXbF9BMTRwT3RESkF3VjQydW1uVGI0Tkl4QVFhcEFpaTdnWkc4SHJ5QzVOVTRxU1RNWDN1RGtmcHVoSGZZU1BOdDVPTHA5MHNBSjhzNC1U?oc=5) · The Daily Gazette
- 2026-02-26 [Chenango County Warming Center receives $75,000 from Sidney Federal Credit Union - WBNG](https://news.google.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?oc=5) · WBNG
- 2026-02-27 [White Eagle CU to Open Branch Near Wichita This Fall - CUTimes](https://news.google.com/rss/articles/CBMikgFBVV95cUxQVWJ1SlYyay0yU3VCN3VtTzZHZkRWdVQzYy1UcDB6QUdscmstTGFlNFg0YVZZUWJDQ1RGZ2lHV1A2N0pPLWV3eXVCTkdTUUJmZGlqSE50MmJXZmdQZEtHVWNWb1M1Mkt0NzNydTBvQlpVTDJMcVp4R3Zsb2x5NlAxSGJuRU94VmdkMEM5Qmdad29vZw?oc=5) · CUTimes
- 2026-04-12 [Free tax help returns thousands to Central New Yorkers days before April 15 deadline - WSYR](https://news.google.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?oc=5) · WSYR
- 2026-04-04 [Beverley Newkirk Obituary - Oneonta, NY - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPaVk3d0xCREpqOUpwSEN2TnhBcUpOOFVDY1Q5WG5OalpLR1ctTEdSTXUtUXFtdjFoeXBDQzRaWE9zLWdOaVBtaHlIenVRc2NCekFMSER1ZnBaY3d0UHlfZEJaaWN4MWNYaVVUTG9NUUctQ0ZCNHctb0lLQkFVc3BFYUVaZTFIQQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6011 (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/59.json (key "6011", 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=6011
- 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