# LINTON
TONAWANDA, NY · NCUA charter 9676 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/linton-9676

Who the members are: federal charter, manufacturing (single sponsor), organized 1954. 810 members of 1,300 potential (62.3% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.2M |
| Members | 810 (-3.3% YoY) |
| Full-time staff | 2 |
| Net worth | $1.7M |
| Net worth ratio | 20.7% (p77 of band) |
| ROA (annualized) | 0.75% (p59 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | -0.01% (p20 of band) |
| Loans / shares | 56% (p48 of band) |
| Cash / assets | 54.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.00% (p19 of band) |
| Operating expense / assets | 2.25% (p15 of band) |
| Vehicles % of loans | 83% (p88 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 | 5% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 35% |
| Average share balance | $6,638 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $14,145 |
| Loans granted, annualized | $1.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | losing money |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency 2x band |  |
| 2017-06 | 3 | delinquency rising |  |
| 2017-09 | 2 | losing money | delinquency 2x band, delinquency rising |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | members leaving | losing money |
| 2018-06 | 1 |  | members leaving |
| 2018-09 | 2 | loans>95% of shares |  |
| 2018-12 | 3 | assets shrinking |  |
| 2019-03 | 1 |  | loans>95% of shares, assets shrinking |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 2 | loan book shrinking | net worth falling |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 4 | assets shrinking |  |
| 2020-06 | 5 | losing money, members leaving | assets shrinking |
| 2020-09 | 7 | net worth falling, margin squeeze |  |
| 2020-12 | 4 |  | delinquency rising, losing money, net worth falling |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | loan book shrinking |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | net worth falling | margin squeeze |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 3 | loans>95% of shares | members leaving |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 1 |  | assets shrinking, loans>95% of shares |
| 2024-06 | 2 | loan book shrinking |  |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 4 | members leaving |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 | net worth falling | loan book shrinking |
| 2025-09 | 2 |  | delinquency rising, net worth falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 4 | net worth falling, margin squeeze |  |

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

- 2017-07-06 [Putting members first and other ways CU professionals serve - American Banker](https://news.google.com/rss/articles/CBMirAFBVV95cUxOTDFBQnRLRHp2ZHQ0YlJnMzlyVXVOc25ZQzh4cVNTMjRqdkptbzI4Q1pHWTlmcTE5aU1NXy0zb2xPdHJISVhwX0laeTdLckRzYkt4NHNzYXo1cTdUamZHbTJNbTFuNXlra3RuVFVOTlhiMDJxOWZtZGhvZS1vWkhPc0YwZnJBb0hhTV9Fcy1qdXpGSFd3Q0lfV01kR1oxZk4tcDYzOVdYZVRVcWtm?oc=5) · American Banker
- 2024-11-12 [Movie filmed in Linton inspired by shoeless girl in gas station - KX News](https://news.google.com/rss/articles/CBMinwFBVV95cUxQcmlSeFhObFRROW4zNU5KLThvZ0hxWUEzM1JJc3hXYnplczVFQXU5WmRZWlpGa3dFRHEwS2dBcy05czlNOGhUcFZOY2d1R0RhOGJfZ0V2RWJFMXdTUkxsQlpjNmZKaWs4V2N2UEFuMXRwSWN3SHJTbEIwcVkwVUVaQTFDcUg1bkg0T0ZkVm11SmFBaXVEcXZGQ19mWkFRM1HSAaQBQVVfeXFMTnpXU0owRGdUcjlqeDY4bUE5eV9GYy00Sld1ZFhNbFhIb2hTUmo1enFmSDkyR1pKMlBPZV9Ec09SNTQ1NFQ3Wmx0akF6c29BcVZ2ZVlQODNHUlBTQjhYWDlrMFNzTnppODI1YnZJckpuS1pCaWxHRHZSeEdiUnpCSkRVM25lMFdUQXJubVV2bzdWeEdlczhnXzY1OXFObnNPMjlzWXI?oc=5) · KX News
- 2018-04-03 [Canadian banker snags $750-million in marijuana business as rivals say no - The Globe and Mail](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQVzdoc2VCcDhKd3hyb3BoSmhPb1NJTXBsUlR0R2V6OVdXdnhVbWtQanhPckFVY0ZqMlhwNmVQdmpaS3dLYTBXNmxRSktMWUNGOHJZVmFhVjdmMFlpbFBvSy0xandwRkpSemxKU016TGctNmh0SHdERllHME05dDMwQmxYSUVjOUVtV3pxb21vTU5GRS1QUnRkT3RBMEEyRDFRbTBucS1LVWZpcWY2WXd3VzJYa3F2bW1BWEhj?oc=5) · The Globe and Mail
- 2024-01-14 [Samuel Thompson Obituary (2024) - Schenectady, NY - The Daily Gazette Co. - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQbFZVNmkxY2RvN2xuMDAtemdZNTkxRnkwczJQRTlhTXpJYnFXOVFWU0h1ZnQtSjI1WWxQd2p0aW4yX1ZZazBZVHJ6cFR4U2NlaHA3ZlpHaHB4MnZEWllPSE9Eb1dlMzFhdHhKRjE0TEt0ZF9GZ2t2cW14MHlNNVg0emlpWUxqajR3WENhSFBZRjNLNkQ3LXc?oc=5) · legacy.com
- 2019-09-28 [Daily Observer (Jamaica) - PressReader](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNT0FhcnhyUlctU09Ua1ZfTWVkZ09mZVBqeTRLX3ZQenN3cGp6N2dMMmtoY2pFYlljRTNGV1VEVDlJSzAwNi1oZUZlYUphRmZsYXFKOTRPUlZuTk9ZN3ZDSUFiRGtLWVg0Q0RITWFsRUJSLUt6NTh5QkxkaW14X0FWSEY0dU5XMUY4RDFv?oc=5) · PressReader
- 2022-10-18 [Business Social — October 19, 2022 - Jamaica Observer](https://news.google.com/rss/articles/CBMigAFBVV95cUxQNHFleUhNNzZSLVhsSEtiWENnY051aHdOOThIWUxMWkZkZkZTb1NGY2FFQmtJbHhENllQRW1mZEplMk5ETl9VNUktdm5GNkJ0bjRZb3luT2ozbEhpNi03ZmJWNVU5a2dQeGJBaTJVV0h4c3hpcU12aVRabTRvekFIdw?oc=5) · Jamaica Observer

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9676 (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/12.json (key "9676", 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=9676
- 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