# CAPITAL COMMUNICATIONS
Albany, NY · NCUA charter 8658 · asset band $1-10B · latest filing 2022-06 · stopped filing after 2022-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/capital-communications-8658

Who the members are: federal charter, multiple common bond, organized 1953. 157,871 members of 550,000 potential (28.7% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $2.64B |
| Members | 157,871 (8.2% YoY) |
| Full-time staff | 418 |
| Net worth | $286.7M |
| Net worth ratio | 10.8% (p67 of band) |
| ROA (annualized) | 1.54% (p93 of band) |
| Total delinquency | 0.56% (p84 of band) |
| Net charge-offs (annualized) | 0.09% (p26 of band) |
| Loans / shares | 96% (p84 of band) |
| Cash / assets | 4.2% |
| Borrowings / assets | 0.17% |
| Net interest margin | 3.12% (p88 of band) |
| Operating expense / assets | 3.27% (p75 of band) |
| Vehicles % of loans | 16% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 4% (p11 of band) |
| Vehicle delinquency | 0.26% (p45 of band) |
| Vehicle NCO | 0.19% (p40 of band) |
| Repossessed % of vehicle book | 0.00% (p15 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 116% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 13% |
| Average share balance | $6,970 |
| Participations bought / yr | $1.0M |
| Participations sold / yr | $33.0M |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 125% |
| Average loan balance | $26,668 |
| Loans granted, annualized | $1.50B |

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, delinquency 2x band, loans>95% of shares |  |
| 2016-06 | 2 |  | expense trap |
| 2016-09 | 3 | expense trap |  |
| 2016-12 | 2 |  | expense trap |
| 2017-03 | 2 |  |  |
| 2017-06 | 4 | net worth falling, expense trap |  |
| 2017-09 | 3 |  | expense trap |
| 2017-12 | 2 |  | net worth falling |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | members leaving |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | net worth falling |  |
| 2019-09 | 3 |  | net worth falling |
| 2019-12 | 2 |  | members leaving |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | delinquency 2x band |
| 2021-03 | 3 | net worth falling, delinquency 2x band, leaning on borrowings | loans>95% of shares |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | delinquency 2x band |
| 2021-12 | 2 | delinquency 2x band |  |
| 2022-03 | 1 |  | delinquency 2x band |
| 2022-06 | 1 | loans>95% of shares | leaning on borrowings |

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

- 2026-08-12 [M. Asche Obituary (1937 - 2026) - Voorheesville, NY - Albany Times Union - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNTXFlbUc1WW9XZlI5TkVNYkw4ZFJrTjUxdkZaMFR5U000RG9QUFc0VW5ZdTF1U2swcDlpNHM0MUJyRzZKWHpLbVlrTElEQ3JjaF9KRnhVSGMxVXdtc2M4a0ZRN091RGpmemx3N3RJS1hWUDVHcFA0aFJqOXJrNmVJaWJxWWJ0Wk9QTWZpVXE4QWRXZw?oc=5) · legacy.com
- 2021-07-29 [CAP COM and SEFCU plan $8 billion merger - Times Union](https://news.google.com/rss/articles/CBMihAFBVV95cUxOeDQ3c0E2YjlGR2hjOVg0VEFqNE83V29kamVrM2pqcWJQOFFvTVdkZVliY1dsWTZ4aU5FLU9XZ2V6QWRGY1hZSW9zcmRtNEV5RGNhZnc4Nkt6UVpMN1pNbU1rVGktYjJfZDRaUmdpWnRsdjRpWlp4OV9ob1Y1NmYzS1JISXg?oc=5) · Times Union
- 2025-10-02 [Obituary for Harold W. Horning - Wynantskill Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9wVXVTSGE2VWRKZ3NWOXdieEVZb0RWSVIzNmk4LTV0WXRGbTczdGYwdHp5dVpnc3VSMnphdlhVTVlfSE0wbmtWSWFicnVKTWRmODIzMjJ3Y2piM0RXT0w3WWczNA?oc=5) · Wynantskill Funeral Home
- 2025-11-30 [Casey Rae Mazzola Obituary Apr 18, 2020 - Cannon Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBIWTRabjRNa0tTbmRnR0MwX1d5YzFieFdORXhMUDdkNEkwTTFLZDdfSmoyWjNWeTN2emljZ29UZ2RYTm1lU0VkX2tuOWxaSUpvVUpRel9kaUh5b0d6eWhDaWRVVWw?oc=5) · Cannon Funeral Home
- 2016-07-16 [Paul M. Rockenstyre Jr. Obituary Jul 16, 2016 - New Comer Cremations & Funerals](https://news.google.com/rss/articles/CBMicEFVX3lxTFB6V1NJMkxFd0JBeWZjMVlWelVHM05SaHg2ckpyaW93RW5Ha0YxMG0tWFZxUG1KaWhMSlJZajMwdmk0ekpzOW1DUE1jZGo1YllCbzFlVzdhMllFeUFoSExrUFdIVk1uUjUtS3B0QURncW0?oc=5) · New Comer Cremations & Funerals
- 2008-01-26 [Janice Perkins Obituary (2008) - MECHANICVILLE, NY - Albany Times Union - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOYkQ4Nk91OVlvOGlDVXpQQkFlblQ1aWtkRDZkMjIyQkY5VnBaMy1JXzB4UDhINzBhWVFueTB5V01aNThfQTdQME9xMkxMV0RaOTNwcF80eXV1Z09YcFh1c0tiSVQtTWVlY0JKWHFQb21US05DTDVtYXM5TGJNNEdYb3pPMFdiSEpnMkJ5cWswVWhWWlo3ck9jTENB?oc=5) · legacy.com
- 2003-09-26 [Keith Gransbury Obituary (2003) - Albany, NY - Albany Times Union - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxNWThYN25qUnZFQW01dGFBWXUtc3plT3Ric1kyMk1KbGdKRHNyTkFpS05teEh1VUlVTGhGYkFiM3Vlc21xRFJfemFFR0h6Wm1YS2ZQM2NFRkhQT0g0dU9MWTdrbEhOY1Bfb0V5azEwS0p6QjIyUEk2VjlCZllNeGtRTUJzYW5HUnZPb3VqUEVOaFVKclRyZGJsTWZHUQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8658 (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/18.json (key "8658", 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=8658
- 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