# AUBURN COMMUNITY
AUBURN, NY · NCUA charter 988 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/auburn-community-988

Who the members are: federal charter, community charter, organized 1936. 7,831 members of 738,305 potential (1.1% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $123.5M |
| Members | 7,831 (0.6% YoY) |
| Full-time staff | 26 |
| Net worth | $15.2M |
| Net worth ratio | 12.3% (p58 of band) |
| ROA (annualized) | 0.98% (p67 of band) |
| Total delinquency | 0.11% (p9 of band) |
| Net charge-offs (annualized) | -0.02% (p4 of band) |
| Loans / shares | 36% (p5 of band) |
| Cash / assets | 7.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.72% (p53 of band) |
| Operating expense / assets | 3.50% (p45 of band) |
| Vehicles % of loans | 50% (p71 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p31 of band) |
| Vehicle delinquency | 0.00% (p3 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 4% |
| Average share balance | $7,454 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $384 |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $14,723 |
| Loans granted, annualized | $22.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $384 outstanding purchased (0.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 3.5% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 2 | thin capital |  |
| 2017-06 | 0 |  | net worth falling, thin capital |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, delinquency rising |  |
| 2020-06 | 1 |  | delinquency rising |
| 2020-09 | 3 | margin squeeze, delinquency rising, loan book shrinking | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | net worth falling | delinquency rising |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | loan book shrinking |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | net worth falling | margin squeeze |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | net worth falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | delinquency rising, assets shrinking |  |
| 2024-06 | 0 |  | delinquency rising, assets shrinking |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-01-21 [Auburn Community Federal Credit Union celebrates 90 years - WSYR](https://news.google.com/rss/articles/CBMingFBVV95cUxPS3BYVjY2YU9waTQ3aVpkdkxuSHY3VFNkamJSNlkwYlYwZUlKbzhoME54NFRZd05nS1hRNjlXdFhKRVNibndfVG9od2JKVExkeDJvOTdsbzZvRTBnWUlnVWZma3NOR3hoU2g2cF9Dd1hiNVJlX3g4cWdVaXcwZl95ZmU1TEp5ZmJNc0pLc2lPQnI2dllBa3N5eVNjRFhld9IBowFBVV95cUxOamVIRzdaYlpIa0dGWC1yUzNKTFB4NXRIWDNyLWFNZkQ2NlJqR1o1MWg0OEJvT0dkRXRyZS1NOGZXNDZoS3c2ZWV3TGVwV1N5MFhGaWpQWmlpel8tbWtNcTUzaUdjSmdycHdCeUFzSWUzRG5fbmVBRDFnanpMcUdmQVZUekxycUxobGV0QUV4R3VOX1V4QThoWHJOeURxeVpDdUFr?oc=5) · WSYR
- 2026-04-11 [Credit Unions Continue to See Growth in Membership, Assets - Oswego County Business Magazine](https://news.google.com/rss/articles/CBMilgFBVV95cUxPMERkZzJiZ3FTcWs2eEFoOUpRbUFCNTFPV2N0ckN3OXNVM1p5d3Zrb0UtMzZTRVp1QldlTUpTSmlpRmhhekQtNDllMWdadGlad2R6N21Qb052VDhwdlJ4TUlCZHdMOFcteERkSFVjTzgyWFdwMTN3RlJ6R21mS25sZmtDLVJ5S1U3OTRTNWFuSl9jWjdZZHc?oc=5) · Oswego County Business Magazine
- 2026-05-22 [Auburn’s Memorial Day Parade, Budget Hearing, and Road Projects on Tap - Finger Lakes Daily News](https://news.google.com/rss/articles/CBMikAFBVV95cUxQb0lVTHRGRWxVbG9kV0tPX2psV2taZHlxbl9qZlhKSFQ5N1ZPSE1VR0kxem10NUJXQnBxc21jUXlJTzRWYkJLS2FVN1duUVg3YWZ1MS1TUEozRERzbFZIaVgwYXF6TEZscV9WVGJrZVhhX1o4bEpGQlVGZVdyV1NNSEphVkJFd0w4a3N0VlFURW4?oc=5) · Finger Lakes Daily News
- 2022-01-05 [Shuttered M&T Bank office in Clay getting new tenant - Syracuse.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOanZrbnNPT0JGeGJFUnJZc0ZyRTZZSGJsSHZSemhMWnlWY19Qc0ZaVU5JdlE5WFRScC1tdExCWHdwQ2NNTnFqMVM1dmoxN0JwRDlSdW16cDVoUmh1UVlyVmV1TUp0ZHcwQjVIdlYzNWl1MlRxOWVSVnBwUVVuYTQxbXUtRkpGTXBEQzZ5QWktUkhUUk1OU2dtMXo0TVBRYjDSAbMBQVVfeXFMTjAyV24wOXhxcEVSV0ZNaXN3N0JuNTN6U2Ewb3RfUVB6anlkZUZiOGtIUUFudEdfRzJycVJ4dTdsbzdLVF9ldmlpSkVPdHNkMXpnVlJTOTB0VjFCQ1R0OGVnbzUwV01FbzdBSmd6b3BlOE55cmNrYU9nTi1lOWQzOVllbU1XLUlWRGpmZEFaMXl6QzRiNk1CeXlhYmp5UVJWMlIwaE1WU0VwcHlVbGVxU0gzLXM?oc=5) · Syracuse.com
- 2024-08-13 [Tips on avoiding scams with Auburn Community FCU - WSYR](https://news.google.com/rss/articles/CBMikgFBVV95cUxNbmRPZnZPdmxJd1h0TE16MGV0RmR4clhEZ1djVmVxY2VsdDZ6cjBobXB0ejdvdDFBak5RRV9VT21vei1aT2xLUjk4NTAzV213ak1henNpc3NjM0s0M3hyUlRkRlcwMXhmQ1FxSzZCSm5NRVFtZTRKVHFtYUZqU2F5eWs1U3M4TFI1VFFEbVhPaFg4QdIBlwFBVV95cUxOYjBRRUY5bXNoYmlHOHJvdFhrcXF4LTRrYWxmQ0lraUU1ZVZzS0pYaC1DU0Zid3pzWjNSTzhYekFobENYZGQyVzZ4X0RlUU9vQWJrVjBhV09hLTJCLXV6VzRpcXZ3QVpZY0pBQWc1dk91YkQ2cDBacDlVOXNxT0ljd0Y1dGZVWC1PZlFPa2s4cGtuSHRSbDAw?oc=5) · WSYR
- 2026-01-11 [Evelyn Moretti Obituary - Palm Bay, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxQUXBGNGVzVld3QWhJeU5va2I5ZUxkTWwwTWhrQ3ZHZUpZM1Y3WGpwenJmSnF0b1UyWHVJOGsyOEtzdVRLN3VEN2tlZmpFcmlHcHQ3d3ZZZmlINGVoMWpGZEV3SWRHVjk5ZGJiUTJrbVpkbkF5RFB0Z3I3dVVvUXlpdmZVQnc?oc=5) · Dignity Memorial
- 2022-11-19 [Dr. Dan Alexander named Chief Administrative Officer at Auburn Community Hospital - Finger Lakes Times](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNYWdBeFZvRjYyMmRPc01nZXduTWdKb1VxRFJiSGVjRTlFMFhGaFo0ejdxUXRJRFc1QjE4MjBVWVBsN1AzLWVOdlN6S3ZtaHZKcFVzWkVLMmRIdVp3ck5TRzZfT0pvX0hHUkc0SklXQU9LcGs0bURPR3k3QWw4RTg0a2hWcE5IOExpTzFJVnBHNFpKSWtRVkdaUjhtMHdrdDlSVW02cDZ0eDRWMV9EOWYxNENnQ0tHR084dXFKSDdUdm5kYWE4UmV2S1p4V0lRc3QxZlRQM1hvd1FfcFFCR2U2VE9sZVktNS1MUFE?oc=5) · Finger Lakes Times
- 2024-07-22 [Foreclosure lawsuits threaten former county commissioner Tom Neyer's big plans for Mt. Auburn - WCPO 9 Cincinnati](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOT1dzbnowbXl5QkV0bVl0bmVhbzVJTlpxVkNscUlIek56ZVFaNkl4Y0FnYXMtNkp3c1JBLW1GY2duUUFWYnlwdUtLdm15SjlHbWR0VnFKa3AwYjhyRGtIcUdSWVJ3cnp1cEtIQjU5dEk2NXBxWlpuX3VpTVlGbGJxN2dUSDFZd0ZhNllBZkZxZHRyR3lEODJGUGpwRUl2ODFHcHdfemtXa3lzLTA0b0gxVmNCb3d3NnFuT3lrOTlGTzVCdDRIcl9SV1JHZ1duOVVH?oc=5) · WCPO 9 Cincinnati

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=988 (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/28.json (key "988", 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=988
- 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