# NEWSPAPER EMPLOYEES
ALBANY, NY · NCUA charter 63856 · asset band <$50M · latest filing 2023-06 · stopped filing after 2023-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/newspaper-employees-63856

Who the members are: state charter, organized 1933. 67 members of 100 potential (67.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 37.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $337,092 |
| Members | 67 (-39.1% YoY) |
| Full-time staff | 0 |
| Net worth | $219,575 |
| Net worth ratio | 65.1% (p100 of band) |
| ROA (annualized) | -7.87% (p1 of band) |
| Total delinquency | 5.93% (p96 of band) |
| Net charge-offs (annualized) | 0.00% (p30 of band) |
| Loans / shares | 78% (p75 of band) |
| Cash / assets | 73.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.70% (p27 of band) |
| Operating expense / assets | 10.96% (p99 of band) |
| Vehicles % of loans | 0% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 100% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 97% |
| Certificates % of member funds | 0% |
| Average share balance | $1,632 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 39% |
| Average loan balance | $3,667 |
| Loans granted, annualized | $70,902 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 4 | assets shrinking |  |
| 2017-09 | 5 | expense trap, members leaving | delinquency rising |
| 2017-12 | 5 |  |  |
| 2018-03 | 5 |  |  |
| 2018-06 | 6 | net worth falling |  |
| 2018-09 | 4 |  | assets shrinking, net worth falling |
| 2018-12 | 4 | assets shrinking | losing money |
| 2019-03 | 4 |  |  |
| 2019-06 | 5 | losing money |  |
| 2019-09 | 5 | loan book shrinking | delinquency 2x band |
| 2019-12 | 8 | delinquency 2x band, delinquency rising, loans>95% of shares |  |
| 2020-03 | 8 |  |  |
| 2020-06 | 7 | net worth falling | delinquency rising, loans>95% of shares |
| 2020-09 | 8 | delinquency rising |  |
| 2020-12 | 7 | margin squeeze | assets shrinking, delinquency rising |
| 2021-03 | 7 |  |  |
| 2021-06 | 7 |  |  |
| 2021-09 | 8 | delinquency rising, charge-offs p90 | net worth falling |
| 2021-12 | 8 | assets shrinking | delinquency rising |
| 2022-03 | 6 |  | margin squeeze, charge-offs p90 |
| 2022-06 | 5 |  | members leaving |
| 2022-09 | 7 | charge-offs p90, members leaving |  |
| 2022-12 | 8 | margin squeeze |  |
| 2023-03 | 7 |  | charge-offs p90 |
| 2023-06 | 7 |  |  |

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

- 2024-04-23 [David Jonsson Obituary (1941 - 2024) - Salt Lake City, UT - The Salt Lake Tribune - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPcTdyclYtcjJXT2pqcHVLbFNNcVZWVjFMZXBZRXROck1icGNVc0UyXzJLV2h6bnNzUXVuM0MwbHRwYTdlc0o4RzJzRVVoTlRmQmkzWUpocGEzbkJXTExTY2hmQ0U5aUNtd0pnUUx5VVlzQk5la0dFWGZlVFhaRGV3c09abGM3ajFGMTdZeFh6M2hOUmJpcE1v?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63856 (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/48.json (key "63856", 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=63856
- 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