# SOLUTIONS
ELMIRA, NY · NCUA charter 7846 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/solutions-7846

Who the members are: federal charter, community charter, organized 1952, low-income designated. 3,386 members of 100,000 potential (3.4% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $43.0M |
| Members | 3,386 (-1.7% YoY) |
| Full-time staff | 7 |
| Net worth | $5.3M |
| Net worth ratio | 12.4% (p33 of band) |
| ROA (annualized) | 1.00% (p70 of band) |
| Total delinquency | 0.07% (p23 of band) |
| Net charge-offs (annualized) | 0.58% (p78 of band) |
| Loans / shares | 48% (p35 of band) |
| Cash / assets | 55.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.15% (p61 of band) |
| Operating expense / assets | 3.88% (p57 of band) |
| Vehicles % of loans | 44% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 13% |
| Average share balance | $5,994 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $12,741 |
| Loans granted, annualized | $7.7M |

## 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 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 1 | net worth falling | delinquency rising |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | net worth falling | delinquency rising |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 1 | margin squeeze |  |
| 2021-03 | 3 | thin capital, net worth falling |  |
| 2021-06 | 3 | delinquency rising | net worth falling |
| 2021-09 | 4 | delinquency 2x band |  |
| 2021-12 | 3 |  | delinquency 2x band |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 1 | members leaving | thin capital, delinquency rising |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | members leaving |
| 2023-06 | 0 |  |  |
| 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)

- 2026-09-03 [PremierOne Credit Union Expands Financial Solutions with New Home Equity Options and Premier Money Market Plus Account - Yahoo Finance](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOdlRXb29saElkNy1rWW1TRVBteXRRN1J1RWdyQXlqa1ZrUS1nSjZLbkJybzVVWUpoQjNwUEI5LVhZMWo3YWhCd093RVRBc3RsazVCOUZQM3ZSTzlobDRjRlNFdVZzRkM4N01NUkZBclZ4ZWJJOXZhSnM5bHRHQkZLUTUwa2tGakFvdVJEemdqUy1iSUFXUGhKQ0RhMDBZaW9NSTZfaTNPUVMzZw?oc=5) · Yahoo Finance
- 2026-08-13 [Wayne Grossé, former Bethpage Federal Credit Union president and CEO, dies at 67 - Long Island Business News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNeHp0c3lRYk8zWWtDdThBdUU3WlRnbjh6SzM4UjNacERyQmJ2T1BvanAwMnZFSUFxa0NpRXFQVGVrWWs1NEcxbkk3TWlRVjlwM21ma0tXUWJXX3pNSUVUd1BDc0xpa19ySUxGY1BiSXpBVHFDcEhoMEEySDZhZU5HZ1FRUGlZNWwxbmFFR0ZnWk9tQ040NGRKYmw0Wmk3MFFkRTB6RkoxWnBNdHc?oc=5) · Long Island Business News
- 2025-11-18 [FourLeaf Federal Credit Union triples indirect lending volume and expands nationally with Origence technology solutions and lending services - CUInsight](https://news.google.com/rss/articles/CBMiekFVX3lxTFBDdzBPNnEtOF8yQ2xwU3l2aXhCTHVEdVpnUmhDSjZRTXAzUTJJNS16dk80TjN2UVplUmt0SUtmOGh0SUJWMF9vbFlPVkxPcDc2Q3lZejZlT3VEbU1VRFJHelZadEhrbm5KMW1kclAzemZTSk9UTnc5R3VB?oc=5) · CUInsight
- 2026-07-30 [Delfi Joins the Circuit Accelerator Program to Bring Agentic AI to Credit Union Balance Sheets - Business Wire](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNLVh6akVvNVZoR1NweURka2dOTGFwemo3SHRMN2xtenJHWEF6ay01LWV0MUx3cmxleEpCZ1pHZ1k0LUNOVm1fWXZNeDdpVDd6RnlPdTJ6M09TM2FNZVBfbHFfTnJ5Y1lheFo4bnVoVHM2WVhSN0hpZE5teVlTZ0M2czlFM0Qxbks2b1h1VVZlTDZ5NTFlYk1PNHg4QnVVOThmMGVqcFlQX1VnRXVCRlJOQmpMMGkxMi13cWwyakx2enAwRkV1MER6aE9IeXV6Um95YTdhRHNIZExoS0ctSEtEMDRhOUVLZw?oc=5) · Business Wire
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer &amp; Kolbe
- 2026-01-20 [Velera to Provide Card Processing Solutions to Indiana-Based Financial Center - PYMNTS.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQMXFIZ20wcEFBSEtvaUFfcFdoT0NKZk8zOG84STlZQ1NCS1dDQUc0YUhYNUJOeDk2NDhDSktSOU5BZ09KZFVGRWNNY0ZMd3FGMHFsYzVMdUhFbjNITkYzYXBSWTBFYmtUa1BxYlpUdTRka21uanNTSWtfYXAtanJmSWp4cmhfVEYzdTBHX0JjVjA4THVkRC11S3gzWUtPeEFTRUNwRDdVcTZSMUo5MS1sTjNia3E2YTg4cG9j?oc=5) · PYMNTS.com
- 2025-12-03 [Marquis data breach impacts over 74 US banks, credit unions - BleepingComputer](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNN25wV2ZwYk9ESjhEMGdsY1N4dXdSV2FBTUo2R21EX0JoODBvWlhTcVJ3TmtDdW5veDVucFZwS0V2M0Z5VGJsLVQ3MDJWQUpISFgtb1p6aWI0ZnE2MVdjTU8xXzZuclIwQ3ZGRVBCYl9jWXJjeURoNW9UM2hHay1uOElZSENqalFVWndUYV9xUjRnQ284QkpDSnJZNENHOHRfMnhDSnlSbXRzQdIBrwFBVV95cUxPNWZVaVhpYWZHQmVuT1ZWMUt1eTN6VjE1YnE5VC1wWWo0UE4xUG1BSmduNnBZckhtZE5ZTUFkQjdXa3dQS21JMHlIc015cEhsdkVfRzRsSU9YN3owcWFOcWNQQWJTcmxLcjJlYnRUYkd5UFBVclVVODdhVGQ0RTZVZjJDZlpiUWNQWjllcDBVcFQ0WW9qQ1dNNVY2TDNDeS11cU0xN2lNNHdnSG5mckE0?oc=5) · BleepingComputer
- 2026-08-03 [Navy Federal Investment Services Selects Apex Fintech Solutions to Power Digital Investor Platform - Business Wire](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQandHaVd1Zlo0UVM2UmxvR0RiTzhPaTJXSkhfTmo5NjNKcHQ2d1hRaXNwTHl0anEyaURnMmpidWxCRmZOaF9HazhOMTRUTGtHOExUWEM3Q2s5a0FMMjdzNEtkdHRfcFM4RlN5Y1hXcjdOeVFZdXNTdUc4RWpSMzBGZXAxa0lLdEd0VnZyOHdWLTVwSDJWcjB2aWZQUVBOOS1vVHNqY2JJTHM4M1RmYmJmVGVIWVJ2OFpYV0QtNl9BbGRYTWdxdU5mUHFIZGFoMjMyWUVxal9GakszaGY3Q2Vsc3hhRDBCaVYzS0c4?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7846 (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/38.json (key "7846", 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=7846
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide