# WILLIAMSVILLE Amherst, NY · NCUA charter 8618 · asset band <$50M · latest filing 2026-03 · live Share link (named URL with a preview card): https://getbookiq.com/cu/williamsville-8618 Who the members are: federal charter, educational (single sponsor), organized 1953. 1,852 members of 4,400 potential (42.1% of the field); checking penetration 10% (share draft accounts per 100 members); loans per 100 members 23. **Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice). ## What the filing shows | Measure | Value | |---|---| | Total assets | $10.9M | | Members | 1,852 (-4.6% YoY) | | Full-time staff | 1 | | Net worth | $1.3M | | Net worth ratio | 12.2% (p32 of band) | | ROA (annualized) | -0.63% (p14 of band) | | Total delinquency | 2.04% (p78 of band) | | Net charge-offs (annualized) | 0.00% (p37 of band) | | Loans / shares | 54% (p45 of band) | | Cash / assets | 50.5% | | Borrowings / assets | 0.00% | | Net interest margin | 3.06% (p20 of band) | | Operating expense / assets | 3.71% (p53 of band) | | Vehicles % of loans | 29% (p18 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 | 55% | | Credit cards % of loans | 5% | | Unsecured % of loans | 15% | | Commercial % of net worth | 0% | | Core shares % of member funds | 95% | | Certificates % of member funds | 5% | | Average share balance | $4,523 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | – | | Loans outstanding per 100 members | 23% | | Loans granted per 100 members, annualized | 2% | | Average loan balance | $12,308 | | Loans granted, annualized | $493,092 | ## Flags firing in the latest filing - **losing money** (`earn_negative`) - **delinquency 2x band** (`aq_dq_high`) - **delinquency rising** (`aq_dq_rising`) - **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 | 1 | | | | 2016-09 | 1 | | | | 2016-12 | 1 | | | | 2017-03 | 1 | net worth falling | losing money | | 2017-06 | 1 | | | | 2017-09 | 0 | | net worth falling | | 2017-12 | 0 | | | | 2018-03 | 1 | assets shrinking | | | 2018-06 | 1 | | | | 2018-09 | 2 | delinquency rising | | | 2018-12 | 2 | | | | 2019-03 | 1 | | assets shrinking | | 2019-06 | 2 | net worth falling | | | 2019-09 | 0 | | delinquency rising, net worth falling | | 2019-12 | 1 | delinquency rising | | | 2020-03 | 1 | | | | 2020-06 | 1 | | | | 2020-09 | 1 | | | | 2020-12 | 0 | | delinquency rising | | 2021-03 | 1 | margin squeeze | | | 2021-06 | 2 | net worth falling, delinquency rising | margin squeeze | | 2021-09 | 1 | | net worth falling | | 2021-12 | 1 | margin squeeze | delinquency rising | | 2022-03 | 1 | net worth falling | margin squeeze | | 2022-06 | 2 | losing money | | | 2022-09 | 1 | | net worth falling | | 2022-12 | 1 | | | | 2023-03 | 1 | net worth falling | losing money | | 2023-06 | 2 | losing money, assets shrinking | net worth falling | | 2023-09 | 2 | | | | 2023-12 | 1 | | losing money | | 2024-03 | 1 | | | | 2024-06 | 2 | losing money | | | 2024-09 | 1 | | losing money | | 2024-12 | 1 | | | | 2025-03 | 1 | | | | 2025-06 | 3 | net worth falling, delinquency rising | | | 2025-09 | 3 | loan book shrinking | net worth falling | | 2025-12 | 3 | delinquency 2x band | assets shrinking | | 2026-03 | 6 | losing money, assets shrinking, members leaving | | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-01-12 [2025 Credit Union-Bank Acquisition Deals Decline From Record High in 2024 - CUTimes](https://news.google.com/rss/articles/CBMirgFBVV95cUxOZXk2amFNTTN6Tml0YXFNTVUzdTA4OHdYYkpQS2F1VjJ0UE8wYzVCRHRfOG9tOExuN29wcWRYWHJwcjN5Z1dUWDlNVEJFYkp3WlJ4U2dUNHVYbC1yUXloYVR0WjQwVG1kQjhyRUh3MzFxWFdSaXJxSTJZbEdQVnVhMkJ5YkNNOW4zZWluTWstRUF6VnNvZnRVeVVjQVRuVXcxRjZlSTd0ZG5yYzNTTHc?oc=5) · CUTimes - 2025-03-13 [Western Division Federal Credit Union - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOaWZTVXdaMUJNck11VF9SRWtQOG1EdG9iam54alhzbWx4eGdKZmJFWGdrYW9tZDYtempsckNQbXE3cjBOZ1E1eGV0ZTVUOGVZbnBNZlBfSkdGMFJSSDEwMndOTDhLVmlIWHllNkwyeXJBd0k1Qk1LMTRheW5ZanBLTjg2YlItcWRZalZBRzk2VkpDcTYtZ0JHeFhTNkhBbGRpeGxXQzh6dllkQzFM?oc=5) · The Business Journals - 2019-04-27 [April 27 - Western Division Federal Credit Union - WGRZ](https://news.google.com/rss/articles/CBMivAFBVV95cUxOV3ByVjBDR0h2aTYtT2t6eXJhOTlYdE9fdjByUE5DdEVxS2I1TnVuU1FuZDJucGNFUGhVZ01RWW16dmNTRnQzWTRYTHB1RVBkSXhqTGpfd3JwNkFJemhtOFRkVXZJV1RjWEdyd2VLU3ZPdU0wazF6ZEk0VnJMN193UzR2dTRKWE9sTWtmMEp0NWZVYkwzM0xIQ2ZEZGx4TklUcG56NmxZcEh2YTg4VjllSlh3bjhNT0RuYU1jNA?oc=5) · WGRZ - 2026-01-31 [Frank Russo Obituary Oct 5, 2020 - M.J. Colucci & Son Niagara Funeral Chapel](https://news.google.com/rss/articles/CBMibkFVX3lxTE9neXh5a2RJb0dmUnlQRHQtVkFDSlFPTTRDNmR1QUFfanZBMnNfeVAwTnBsSkRBbXk2TG9pM0hETmZWX3RzRWZiN2NLZWNOalczdjF1Q3Y3NGd0ZkZnRERhdlN5MU16QWVjOGtNYnl3?oc=5) · M.J. Colucci & Son Niagara Funeral Chapel - 2020-08-26 [Robert Harms named new CEO of Western Division FCU - American Banker](https://news.google.com/rss/articles/CBMitwFBVV95cUxNNEM3amRJcldWQUtJajJLWENKTFMtRWpydDJOQVVPU3hycDdhQVgxcFdXSmwySTk4MUJQRkV0ZmE0cWJfRE5aUWFZbXZIY0NSdHBJQjI4VHNFbnpycHJoSFpRRTlwTkI4Y1ZwXy1ZZHdCVldxY1FRajRDelgwVkdRbml0STA5WFR5SkE4SXpCX2hzTmpMVTRydkhZalhndE1OUHhQT3lJdlRtUVBfbHFxcjRqeXktRlU?oc=5) · American Banker - 2025-02-15 [Harry Hays Obituary Feb 15, 2025 - Lombardo Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBIUWtnOVJpYW9XekFCbF9MQzZMaTYwX1cwMndDQjlPS2VVVVhMbXJtaVVwUDhMWEJvYUNQTnZFOWRraEh0eEEwQ0VFbmJldWd3d2gtbzVMXzluY1JNaFJ6NVdUbXFKYTVU?oc=5) · Lombardo Funeral Home - 2025-12-15 [CEFCU of Illinois Pays Members $55 Million as a Special Dividend - CUTimes](https://news.google.com/rss/articles/CBMioAFBVV95cUxOTWJrX2F0ajZZdHpVb25xWnJUZHRHUHE3b1AxNGg1SERVb3lGekVhTW9hMWh2U0xnNE5EaW5VRW5nUGRzLW1ZSU80QmhyV0FqRTJ0Q0UxVWdUc3UyM0RLNExKT2p6ajFHOXE5Mi1Kc1FESXlPY0gzNnk1X3hFNGx4akI2NUNmNlQtRGotT0pwczYtVWVaSWhkZmdpM2I3b2Rw?oc=5) · CUTimes - 2021-05-30 [Douglas Wielinski Obituary (2009) - Williamsville, NY - Buffalo News - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNejZZaUFGTzdnaWZhLXRZNmkxSGNkOFZ1cEM2TTM3UFlveF9yWXZZOGlsem1RbElRbTQ2bEFpdUhDRE5GWDFOZTVxYm1yVXZJZHg3cXJkeFpGZWNmUVc0S1JHdHpHcHROSlRyWkF3X0s0cXM2LWN6TmNkMXFHdWRfRFVOSjdWNG5sSHpxX19sbU9DX2oxS1E?oc=5) · legacy.com ## How to verify - Page: https://getbookiq.com/cu-intel/#cu=8618 (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/42.json (key "8618", 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=8618 - 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