# SYRACUSE FIRE DEPARTMENT EMPLOYEES
SYRACUSE, NY · NCUA charter 6627 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/syracuse-fire-department-employees-6627

Who the members are: federal charter, multiple common bond, organized 1950. 6,734 members of 12,813 potential (52.6% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *fortress*. 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 | $145.8M |
| Members | 6,734 (2.8% YoY) |
| Full-time staff | 15 |
| Net worth | $21.7M |
| Net worth ratio | 14.9% (p81 of band) |
| ROA (annualized) | 2.05% (p96 of band) |
| Total delinquency | 0.77% (p61 of band) |
| Net charge-offs (annualized) | 0.08% (p19 of band) |
| Loans / shares | 61% (p34 of band) |
| Cash / assets | 42.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.52% (p41 of band) |
| Operating expense / assets | 2.25% (p8 of band) |
| Vehicles % of loans | 39% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.34% (p33 of band) |
| Vehicle NCO | 0.18% (p29 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 27% |
| Average share balance | $8,845 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2,106 |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $24,961 |
| Loans granted, annualized | $19.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2,106 outstanding purchased (0.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 7.3% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | delinquency 2x band, delinquency rising |  |
| 2017-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 1 | delinquency 2x band |  |
| 2018-12 | 0 |  | delinquency 2x band |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | net worth falling, delinquency rising |  |
| 2022-06 | 2 | delinquency 2x band | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 0 |  | delinquency rising, delinquency 2x band |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

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

- 2023-01-03 [Syracuse Fire Department Employees Federal Credit Union names new CEO - American Banker](https://news.google.com/rss/articles/CBMiugFBVV95cUxPa0lsZWdKVURWX2VRNXpKY1NOOURPWWFjT1B6ejVuUk44dHR5UFBwa2Y5THZBN3JmS29PU1hRWTBQSV9LR3NEdDVtMXQwMUJJcHloLVJrTTF3VGMwQVpIdDJkUVhBcU50ek5DVlhPT3IxVklCSTBHa1Jia1FmN21JdFpKNHFEWmhBdkNSOWxaZEtCR2dlcktPczJqVXZZMjN6cmstYTRjMmk5X1NqUUJVa0Fwa1VrTVZzZUE?oc=5) · American Banker
- 2021-12-03 [Patricia Laun Obituary (2021) - Syracuse, NY - Syracuse.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPMXpOanExYzVMdmZ6T2xMYzliZ0JYbm13UFNsdXRvUXRGNU5zR3hGckRZSkc4VWJzemp5M3JVYnRwWkExSkQ1eFFIS0ttODhRc1BkRDRxZXVfU3htSi0zWmUxa3JnX0hGYmpIY2lQN2lZY2ZmUkRUMGotazhIbUJhczg0LWtYdXRCOWNlYWZpZWdVVzA?oc=5) · Syracuse.com
- 2021-07-29 [Zelle becoming linchpin in faster payments as its traffic grows - American Banker](https://news.google.com/rss/articles/CBMioAFBVV95cUxNYkNQYTZMVlBnb0JsR21jbVlVU1E4S1J6SFQzck5rdkplSklna0MwWElFRmNOcDNZNEItUExiTXY3VWRqLU5ES19ScWNIMnQzMzJJNDdWWVFuSUNlaE5pVkt1NmtLU3MzMDlxQmN5elFIc0lBYUlxMVIwTmV5RTRKVFFDMUk0NzU1UmdsZVVBMzdyak5rTTVpNXAwMm1udDJa?oc=5) · American Banker
- 2023-02-04 [H. Laun Obituary (2020) - Syracuse, NY - Syracuse.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPT0U4LTN2dmZjcng2YkVMVjZyWS03cUZMN0NBbnNyQWhDb2R4bmJQSDlKcG9Gb1lhb0lLNW5lZmpvRC1RUlBENi03NWJ2SlllNGNUMFJoZmw0OGZBNW5aX0xmM1NHNmdZZ0pwRHk0YkhsMElJZWF0MnM1Q3ZsX0IyYV9hbU1SNDB1bGc?oc=5) · Syracuse.com
- 2007-03-10 [Elizabeth Hicks Obituary (2007) - Syracuse, NY - Syracuse.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPUFo2Y1Z2WVZhZURxaS1VeDdiX0VCM2NIMURvaUREdDhoV3ktRTJJRUNVam5BVXBOZGZXWTVnRHBMY0pWTEpDdW1mQUd0bXlmUHFQWFJ4M2RZOHJlaFRXRW4zLVJRSlh5R2dMRGh6RW5GTlJxaFJQYkNETDMyZFVVZXdPSkdYMUFwV3lxU3N2dmY2VVR4Y2c?oc=5) · Syracuse.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6627 (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/35.json (key "6627", 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=6627
- 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