# COMMUNITY RESOURCE
Latham, NY · NCUA charter 770 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-resource-770

Who the members are: federal charter, community charter, organized 1935. 7,389 members of 871,399 potential (0.8% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 71.

**Verdict on the desk:** this could be *ordinary*. 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 | $119.8M |
| Members | 7,389 (6.8% YoY) |
| Full-time staff | 28 |
| Net worth | $14.4M |
| Net worth ratio | 12.0% (p54 of band) |
| ROA (annualized) | 0.35% (p28 of band) |
| Total delinquency | 0.98% (p72 of band) |
| Net charge-offs (annualized) | 0.35% (p53 of band) |
| Loans / shares | 87% (p86 of band) |
| Cash / assets | 16.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.69% (p51 of band) |
| Operating expense / assets | 3.69% (p52 of band) |
| Vehicles % of loans | 40% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 12% |
| Third-party paper % of net worth | 54% (p57 of band) |
| Vehicle delinquency | 0.40% (p37 of band) |
| Vehicle NCO | 0.42% (p44 of band) |
| Repossessed % of vehicle book | 0.06% (p74 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 33% |
| Certificates % of member funds | 43% |
| Average share balance | $7,982 |
| Participations bought / yr | $0 |
| Participations sold / yr | $190,236 |
| Participations outstanding | $1.8M |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $17,631 |
| Loans granted, annualized | $36.9M |

## Participation posture (from the same filings)

Bought $0 and sold $190,236 in the latest annualized quarter; $1.8M outstanding purchased (12.3% of net worth), $233,499 sold and retained. Sold in 8 and bought in 2 of the last 8 quarters. Shares 4.3% 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 | 2 | delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 1 |  | delinquency 2x band, net worth falling |
| 2017-03 | 1 | margin squeeze | charge-offs p90 |
| 2017-06 | 3 | net worth falling, delinquency 2x band |  |
| 2017-09 | 2 | loans>95% of shares | net worth falling, delinquency 2x band |
| 2017-12 | 2 | delinquency rising | margin squeeze |
| 2018-03 | 0 |  | loans>95% of shares, delinquency rising |
| 2018-06 | 1 | loans>95% of shares |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | members leaving |  |
| 2019-03 | 3 | repo signal |  |
| 2019-06 | 4 | net worth falling |  |
| 2019-09 | 2 |  | members leaving, repo signal |
| 2019-12 | 1 |  | net worth falling |
| 2020-03 | 0 |  | loans>95% of shares |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 1 | delinquency rising |  |
| 2021-03 | 0 |  | delinquency rising |
| 2021-06 | 1 | delinquency rising |  |
| 2021-09 | 0 |  | delinquency rising |
| 2021-12 | 1 | delinquency 2x band |  |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 0 |  | delinquency 2x band, delinquency rising |
| 2022-09 | 1 | net worth falling |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | net worth falling |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | losing money |  |
| 2024-06 | 2 | net worth falling |  |
| 2024-09 | 1 |  | net worth falling |
| 2024-12 | 0 |  | losing money |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 1 | net worth falling | delinquency rising |
| 2025-09 | 0 |  | net worth falling |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 1 |  |  |

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

- 2025-09-30 [Teller saves elderly man from $30k scam as credit union warns fraud is a daily problem - WRGB](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNbEhjajV5MmdzWWNLODhfbk9kTjEzaldTanlyLUNIbm9EVUo3TTBNTlUyUUFBaXQ1Y0loUk5WZ1JQcHlvTnZOZkdHRnM5TFkzZWZLU2VNMlpocU5OSGhxLUltdF8yXzFER2xTclJpN0U4VnhTNld2NXpXdmJOOHRheTFQNDZWN3BGODlJaFUxNGY3R0NINFVoQkl4dXV2R3JITWJyNkZqd2RZU3ZiOUJGeGhyeTlndWRKcFJ1bFI0dnk4OWc1SU5OWHJ0eDU0VDFldFM0cnhJRXo3ME0?oc=5) · WRGB
- 2025-09-30 [Latham bank and Colonie police save elderly man from scam - NEWS10 ABC](https://news.google.com/rss/articles/CBMiogFBVV95cUxQblRDbTQtaERBNlE4SXpMY3JUVDB5amlpX0RfX0xRdHhOdGw0QjZxMXJ2dkItX2xocWlNWFRBVVJ5WllqQldPbnFnOHpGbTUwX2dKSXFYV3RNeDZ4VG51OWRXZ1VIc0hlSmNNREIyTEdwNWdYaUNtS19GSC1xQ2Rla2otMkl0cnRDaDJ6VmRkSlktcWxKZ2pXd0c1N1hIOEU2V1HSAacBQVVfeXFMUEhaclBjaTBrSVpIcFVBTXV6WmltQkhzSk9SOV9OWkdYMUloV3NmY0s2UWU2Vi14U3NUeHdjdUFFN3JQcVB3bkN0bkpnclV2MVBFS0ZoakJkWU1KT3RaLV9QY21EbHc5SXpkMVVhRnhuenVjeTRtMnFaNGJmY2NpM2lxLWNUTFFYaUZ6WUphS3BTSlREelI4c0QtSFdsN1U0elMxQ09LajA?oc=5) · NEWS10 ABC
- 2025-04-25 [90 years strong: Community Resource Credit Union’s legacy of community and growth - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxPaHA1SlhWSHpBOTBqUnBoRXQ2bDZuRkF3VXlST0xWa1BERTFiLUl6cGRmVXRWRmpvLVd6dEFZMHhONHVaUWxPYkhYWkpCVFFzcXRTRlJaTGdKZ0pFM2p5LVhWMmtaT2ZpNFhVRkl2RTlfT1l2OVFsZ0wxWFk0eXNkOEZZMGpyOUJsOG96MWxxb1R5dEV2cFFTcWVDWQ?oc=5) · The Business Journals
- 2024-03-13 [ESL Federal Credit Union files complaint on nonprofit being investigated by Monroe County - 13wham.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNX0JuNjl1MHpEVzE2R0tndmQwelF4NndkZTRPLXZMcGVZdW5JX25UVmhXY1djV0tRZEpWY1VkTWp3X0ZZQzlKUG9aSTZTSXl1TGJibVJUQVI1ekhzdTNwemV0Ukw2bGgxOEs0U0NNMksxOFUyNllLMVR3ZS0yZTdUQzhOTTlQQ1dYbTI3NXlLTkxsQW02LU9jYnJfNEhEY1JIOEt0Z1VqblBqNHEtRkIzUHN4MEVQRmpZQy0w?oc=5) · 13wham.com
- 2024-03-13 [Beleaguered Community Resource Collaborative faces new $190K lawsuit from ESL - Democrat and Chronicle](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQSWlaZFVKSGZ6Z3diX2d2U1prbGtvREp2TndMa1B3UEpPVkNkamF0SUhFeTQ3UUFrc0xZejNUdXJ0X1lzWl90UFZMdFI5X0dqb0tENlRrVkNPRnp2UkRJbVYxODRFc2lCWFA4LVJPMFhRNllFaUphWXd6M19FT2ZFSUxvRnctWlE0eFg1azU3T0ZtcFZLOXRfaS1tUjVwSkhxTlpnR0RxZ05ocUM3d0lUTmQ1UXgxY2hqRFFZVXN3YVp3ajBYSHAybFBsOW9pVThv?oc=5) · Democrat and Chronicle
- 2025-08-20 [Binghamton University breaks ground on $5.6M track-and-field project with significant gift from Visions Federal Credit Union - Binghamton University](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQQTVTYkdqMl9YcERyeVJDV25SMlo4cmVZTXZJY0Q4anMzelJuWGhhNVZJLUpTTk1hdGc5MHpYLV9vdWhzOEF2NG1DV3ltQy1hRGsxTVU1U0hYNTRaUGlxR2NPZXNtNXZ3eXVyaFAxWTR5NHZ0cnlSckpmODNGZERRbTJlLVZNN2phUWtKRXpWUXNuakxYN1dPWUtVaUZmcUhFSk9pVnNDR3VzQl8tSWZqc09jcWFSbUd1c2dqUnRndTVjM0Y4ZlpnRnFXa2FzNDRXWnkyenBVZHlRY2p5ME9zZzUtMDdiOGNnT3pMTkpSRko1MmE1ZDdQbk1n?oc=5) · Binghamton University
- 2024-03-12 [ESL sues Community Resource Collaborative for $188,762.56 plus late fees - RochesterFirst](https://news.google.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?oc=5) · RochesterFirst
- 2025-09-30 [Teller saves elderly man from $30k scam as credit union warns fraud is a daily problem - WRGB](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOcTZRNU9NWFRPeTNhTDZPY3lBelpMVUlWdTltMUxfN1YxUjBaVnItRmdrVUE5UUItUDZPaW5fU2ZXWGZOVXY3akdyWWVKUmtyWVI2SEVXb1lqNEdvbHhJYy1iUXQtdEI2SmFtdzZUdUVOOXBya1BSVWNyV2lkQW9NMHRQMWZ6ZHpwbVA3Q2l5UVBtTE1ubnQ5dFdNMUhuRS1sY0gwdU9YYXdLMGFUZVF1R09UT2NIUE5HZW1Ec0Mtd212NGNPQ3pMN1dsV1NNemE1SDJyTWFuSzNXMk1TdExXOE9ieDlSdw?oc=5) · WRGB

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=770 (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/2.json (key "770", 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=770
- 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