# AUTO CLUB TRUST FSB
DEARBORN, MI · FDIC certificate 35115 · asset band $300M-1B · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 10 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $466.1M | |
| Deposits | $339.1M | |
| Loans and leases | $242.0M | |
| Total equity | $32.2M | |
| Loans / deposits | 70.41% (p30 of band) | 80.20% |
| Liquid assets / assets | 46.68% (p88 of band) | |
| Uninsured deposits / deposits | 9.19% (p4 of band) | 25.15% |
| Brokered deposits | 18.07% | |
| Wholesale funding | 37.81% (p99 of band) | |
| FHLB advances / assets | 19.74% | |
| Tier 1 leverage | 9.80% (p37 of band) | 10.44% |
| Unrealized securities loss / equity | -57.84% (p8 of band) | -13.25% |
| AOCI / equity | 9.02% (p98 of band) | |
| ROA (annualized) | -0.78% (p1 of band) | 1.02% |
| Net interest margin | 1.46% (p1 of band) | 3.54% |
| Efficiency ratio | 126.01% (p99 of band) | |
| Noncurrent loans | 1.42% (p86 of band) | 0.34% |
| Net charge-offs (annualized) | 0.30% (p95 of band) | |
| Reserve coverage of noncurrent | 95.26% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $92.4M (38.18% of loans; DQ 1.30%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.0% | |
| Employees | 65 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 4 | capital falling, NIM <2.5% |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 3 |  | capital falling |
| 2012-12 | 3 |  |  |
| 2013-03 | 4 | capital falling |  |
| 2013-06 | 3 |  | capital falling |
| 2013-09 | 4 | uninsured deposits leaving |  |
| 2013-12 | 6 | capital falling, assets shrinking |  |
| 2014-03 | 6 |  |  |
| 2014-06 | 4 |  | uninsured deposits leaving, assets shrinking |
| 2014-09 | 4 |  |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 6 | brokered >10%, wholesale funding >15% |  |
| 2015-06 | 5 |  | wholesale funding >15% |
| 2015-09 | 5 |  |  |
| 2015-12 | 6 | wholesale funding >15% |  |
| 2016-03 | 5 |  | losing money |
| 2016-06 | 6 | losing money |  |
| 2016-09 | 6 |  |  |
| 2016-12 | 6 |  |  |
| 2017-03 | 6 | auto book souring | brokered >10% |
| 2017-06 | 8 | brokered >10%, uninsured deposits leaving |  |
| 2017-09 | 6 |  | auto book souring, uninsured deposits leaving |
| 2017-12 | 6 |  |  |
| 2018-03 | 6 | auto book souring | losing money |
| 2018-06 | 5 | losing money | capital falling, auto book souring |
| 2018-09 | 5 |  |  |
| 2018-12 | 5 |  |  |
| 2019-03 | 7 | capital falling, auto book souring |  |
| 2019-06 | 8 | uninsured deposits leaving |  |
| 2019-09 | 7 |  | capital falling |
| 2019-12 | 7 |  |  |
| 2020-03 | 7 | capital falling | auto book souring |
| 2020-06 | 9 | auto book souring, deposits shrinking |  |
| 2020-09 | 7 |  | uninsured deposits leaving, deposits shrinking |
| 2020-12 | 6 |  | capital falling |
| 2021-03 | 5 |  | auto book souring |
| 2021-06 | 6 | charge-offs p90 |  |
| 2021-09 | 6 |  |  |
| 2021-12 | 6 |  |  |
| 2022-03 | 8 | AOCI drag >20% of equity, securities losses >30% of equity, auto book souring | NIM <2.5% |
| 2022-06 | 9 | assets shrinking |  |
| 2022-09 | 9 |  |  |
| 2022-12 | 9 |  |  |
| 2023-03 | 11 | capital falling, NIM <2.5%, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 9 |  | assets shrinking, capital falling |
| 2023-09 | 11 | AOCI drag >20% of equity, assets shrinking |  |
| 2023-12 | 9 | deposits shrinking | uninsured deposits leaving, AOCI drag >20% of equity, assets shrinking |
| 2024-03 | 10 | assets shrinking |  |
| 2024-06 | 10 |  |  |
| 2024-09 | 8 |  | deposits shrinking, assets shrinking |
| 2024-12 | 8 |  |  |
| 2025-03 | 10 | reserve under noncurrent, assets shrinking, uninsured deposits leaving | auto book souring |

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

- 2025-04-09 [West Shore Bank acquires Auto Club Trust FSB - Manistee News Advocate](https://news.google.com/rss/articles/CBMioAFBVV95cUxNZXpXS25kT3N4VWM5TlllaDBRMTIzM1JCcEJVYkhwYjZFUG51UFoweFZiZU94dDRNOHFGb2FEN0lVMFQ4ZExJWkpteGxhcHRzZEhNR0VtMWh4TVRmUVk3TjNVcHJ4dkdaOEZLQTZ0ckU5ODRLOFdHQzdzR2x6dHpWTzJwLVBSM2VYVXI1X19MLWNYblJvdDVsb1YtTUQycU1p?oc=5) · Manistee News Advocate
- 2025-04-08 [West Shore Bank acquires Dearborn-based wealth management and advisory and trust business - MasonCountyPress.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxQZko1ajN0d3JTOUVpOFRvUXRKTDVoWXJyaWJFOGxrNkEwemNyRDhQR29zWFFYY0h3cTUtOUl1ck9FTlpDOVlhRDYyQ000RHg0b1dRSWRfQWlQci1Jcng1UW1OcDk3TUhWWWNMSjFqMTk5ZUt5Tkd6Q0hLWExuTXRoUTBMenp4UHViUmZGejdyaXJkQV9vNV83WW9PVEMzVjVmb2ZaX0FlZmdCUDlReXJ5Yy02VUxtRkpuN1Vua0FFSS1DNkVKSEFMeHUzbFdqdEE?oc=5) · MasonCountyPress.com
- 2025-08-26 [Banking Industry Outlook: U.S. Banking M&A Activity Mid-Year Review | Ankura - JD Supra](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPSGwzQkdxQ1VaeEtXeDhxNVlJOEFYR1JGaDRrWkdScFAtdWtrWW5iSlNyLWxhd1pacEJLWUdtVGF6Zl83aGZOS1RYWmU5UVJRa3JHUFhRWWs2MDNwY0lQYzAwYlktb3FjeUtvT05JNFlzeHFfd2tTSjRBV3c3QmZweHZZdG5MMjZ0?oc=5) · JD Supra
- 2024-05-28 [First Financial Bancorp Announces Election of Anne Arvia to Board of Directors, with Susan Knust and William Barron Retiring - PR Newswire](https://news.google.com/rss/articles/CBMiiwJBVV95cUxPeVVFZUI2eUI3MXdNN1c1Ry1mNGQyMldfVk5rN3I3Z3BNdjdkcmowczNxMlpGR3VoaWpuTFVXcWJOZk1iWmhVU0hlbW5OLWQxRVpsZTM2UVZsNjVLRzh5X2dNdEdEWHRIMGJLVDI1TmpkVHRfWXN6dUhiWVpsbEhaWjdQbVIzR1g2MU1tNEkxYkV2UUMya2dWUEU3S184ekZRMVRFNXJRTldiYzQ0YXRvbEVjeHBLTTQxTko4X2FhWVotcS1hV0xjRXZLUkdEWUlCdmNCbXVMOVBvUllfRGRLVWdQYnViX0RIZFRnZ2RWUWxVQkNwbnJPNW5GUFUySTdSMnZlaEFqVnBrTEE?oc=5) · PR Newswire
- 2017-02-28 [Joanne Gaskin - American Banker](https://news.google.com/rss/articles/CBMiakFVX3lxTE9pRzJjcVNMcGJfY3FBUE1RQ1pqelZab1ZwSkJwZEQwWWhrenhoQzl5aGRtRmlGT2N3OXY1dlZXM3pUMmZfZXpzbjV0b0pqYm5OR0ZNN2RTTEVuenl5amlUNlY3alluSGc3M0E?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35115 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "35115", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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