# AKRON
Akron, CO · NCUA charter 10253 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/akron-10253

Who the members are: federal charter, community charter, organized 1955, low-income designated. 234 members of 2,000 potential (11.7% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 15.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $473,693 |
| Members | 234 (-0.8% YoY) |
| Full-time staff | 0 |
| Net worth | $68,632 |
| Net worth ratio | 14.5% (p48 of band) |
| ROA (annualized) | -1.29% (p9 of band) |
| Total delinquency | 21.88% (p99 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 83% (p85 of band) |
| Cash / assets | 28.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.71% (p80 of band) |
| Operating expense / assets | 6.84% (p93 of band) |
| Vehicles % of loans | 100% (p100 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 21.88% (p99 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $1,714 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 15% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $9,646 |
| Loans granted, annualized | $136,000 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 1 |  | auto monoline |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2017-06 | 1 |  | delinquency 2x band, delinquency rising |
| 2017-09 | 3 | delinquency 2x band, delinquency rising, auto monoline | thin capital |
| 2017-12 | 4 | assets shrinking, members leaving, loan book shrinking | delinquency 2x band, delinquency rising |
| 2018-03 | 5 | delinquency 2x band |  |
| 2018-06 | 6 | delinquency rising, loans>95% of shares | loan book shrinking |
| 2018-09 | 3 |  | delinquency 2x band, delinquency rising, loans>95% of shares |
| 2018-12 | 4 | delinquency rising |  |
| 2019-03 | 2 |  | members leaving, delinquency rising |
| 2019-06 | 2 | delinquency 2x band, loan book shrinking | auto monoline, assets shrinking |
| 2019-09 | 5 | delinquency rising, assets shrinking, loans>95% of shares, auto monoline | loan book shrinking |
| 2019-12 | 3 |  | assets shrinking, loans>95% of shares |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 | losing money | delinquency rising |
| 2020-09 | 5 | net worth falling, margin squeeze, delinquency rising | losing money |
| 2020-12 | 4 | losing money, charge-offs p90 | delinquency 2x band, margin squeeze, delinquency rising |
| 2021-03 | 1 |  | net worth falling, losing money, charge-offs p90 |
| 2021-06 | 2 | members leaving |  |
| 2021-09 | 2 | assets shrinking | members leaving |
| 2021-12 | 4 | delinquency 2x band, delinquency rising, members leaving | assets shrinking |
| 2022-03 | 1 |  | delinquency 2x band, delinquency rising, members leaving |
| 2022-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | assets shrinking, members leaving | delinquency rising |
| 2023-03 | 5 | delinquency rising |  |
| 2023-06 | 4 | loans>95% of shares | delinquency 2x band, delinquency rising |
| 2023-09 | 6 | delinquency 2x band, delinquency rising |  |
| 2023-12 | 6 | losing money | members leaving |
| 2024-03 | 4 | margin squeeze | delinquency 2x band, delinquency rising, losing money |
| 2024-06 | 5 | losing money, members leaving, loan book shrinking | loans>95% of shares, margin squeeze |
| 2024-09 | 5 |  |  |
| 2024-12 | 4 | margin squeeze | assets shrinking, loan book shrinking |
| 2025-03 | 6 | delinquency 2x band, delinquency rising, assets shrinking, loan book shrinking | losing money, margin squeeze |
| 2025-06 | 5 | loans>95% of shares | delinquency 2x band, loan book shrinking |
| 2025-09 | 6 | losing money, delinquency 2x band | loans>95% of shares |
| 2025-12 | 6 | loan book shrinking | members leaving |
| 2026-03 | 8 | expense trap, margin squeeze |  |

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

- 2026-06-18 [7 17 Credit Union Celebrates Opening of Second Branch in Akron - Business Journal Daily](https://news.google.com/rss/articles/CBMinAFBVV95cUxPWTUtZHdiX2dhMEFDWDRjemgyZWN2ZWo0Qk9xWUNTYU8xakluZXN3T2c3dEllYlhibFliMFJ5R1F6elJOREdQY0FjWGkxWm9EVFc5S0gxdHEyRkZJQXBzVUVFY1ZpWDlSQVFRdmp4S0RiZmk3QXRGbERUNHF5SDlaaFZmWXI3Zno1ZFJLVmRqbXl2WTRXSjZMeENOVXE?oc=5) · Business Journal Daily
- 2026-07-13 [Former Stow mattress store will become 7 17 Credit Union branch - Akron Beacon Journal](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNN2xYUDQ4eklrQXJGYTdteDN1OFN0eXlIR2FCS2xDN1J0R045SndxY25WaDlHbG1HOVRFeTJDZHN3UUlQWmJfa1FmS1YtNXZhZXM3ZXpNbXpqU2VhRmFUZFlsdFpHRlRGeGZkYlFkRDZZVHpnaHJwZ3VGVnF5THc1N0lMRk9SSmNFbFcyMjFUQ29wY3lFUHdkTVdiVTVRVEdnQ18xcUVmY1BDeHdPWS1sVGJCTlpIVXF3WUdFblZWU3VLTUhMcjBaTmVmdlJVU2U0NTVZUVhnSHU3THhIX3c?oc=5) · Akron Beacon Journal
- 2026-03-11 [Northeast Ohio’s largest credit union splashes into Rubber City - Crain's Cleveland](https://news.google.com/rss/articles/CBMilwFBVV95cUxQdUlpdnJvTnRNeEhpUHJMbDNhX2ZfbU95RF81VHg0aEdGbjZNdXFhZzJyajRwS1RhSTFHcEF1Z3VVcmcwSjAyVWZYaGY0dGNmcUNPN2FCRWwtTU00UVBvS1FJNFZGOUVIbnoxTl92ZlBGdE14N2htek13LUVkQ0JhUlRTVmZQbEJNaWlJbDd0TmphVHVGVG1J?oc=5) · Crain's Cleveland
- 2026-03-20 [Mahoning Valley-based credit union expanding into Summit County - WFMJ](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNb3hldVhjSmhfRWM5QnVmSWY3b1V1NDViSmJWU1NNTUZ6aWw0VVRWTXhtay05UmQtOUpLQmMxZzR6dVFLYlMzWDNpdmVmcjQzYnVQN3VSSFBfbTh0MndVYkpxZmNjQVBtT3J5QmZKZHcya3NCWDVxcHFfWkkyd3AzQkQ3bTRodlp2T05LbWp3NjJLc3BSR2lZWjNtOWQxcHk1OTY3UEF0WGM5dDBBQkVVNnBZMWdJbUNVbDV2QVRyLVZwc01MbWlRV2tTMjFMcXdiVHhzcFFmMUFVTFk?oc=5) · WFMJ
- 2025-12-09 [Prospector Baseball Group Acquires Akron RubberDucks - MLB.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNZ0w4dlc1cHNrSl9mUTR2QXd2ang0Sk5OTGhQelQ3SlhNUjFFdUN3TkxEd1FhMTVGdG80QmJvcVNpZ29MSnAwaG9La1huQmx3eFVNSlhrRnhZa3pRUGNqWmNwQTMyOXQ0cDc4NHI3V0Zta2Z5QXo4d3dLNUhKMmFIZ1hONkFNWFAzZ1ZBRw?oc=5) · MLB.com
- 2026-03-09 [717 Expanding into Summit County with Akron Branches - Business Journal Daily](https://news.google.com/rss/articles/CBMijwFBVV95cUxPVHpLellENUNCeFRrR2dNNXpQd3U2VmFhZHlKbWVJOXUxS2hxNzBoNmxtcDNuRVVMS0M5OXI0Y1hodm40SnFrYlJTQkFmV3J6Sk5HMFZ5dnA5MDVkdDFlamlZUmZ3NkN2TGRLZE03RlA3M3U2a1Yxc3NqRVg3N3NDMlFMNy1zQkdXUkNhVjdHRQ?oc=5) · Business Journal Daily
- 2025-07-31 [$50 million committed to Akron area toward new affordable housing - Signal Akron](https://news.google.com/rss/articles/CBMizAFBVV95cUxPVVpPTHFBaGxTX0RyQlAwZ2xCTUR5elZMMzYyYjQ1V3F6dzk5QkFmNTBsOVliSWNlQWc1LUFwaVhYc2tadndrU1llc2V1Y0Q5eGhEbURBNXJ0ckF4d1RvbG50ZG9tYXRrWGFpNnVxcXVqemFoZ21JVE5LdTBJaEFxYU9JTFhYdWdEOEdQVDhDd0tIdzVRek9zbVRCNmZ4NVl1OVlzaUk3dlBna3FjX0NSZFZkQXUxczVvU0RHUTdjNi1paVlGT2d1aDNtNjI?oc=5) · Signal Akron
- 2026-02-11 [Brews, Bourbon & BBQ fest set: Here’s the list of breweries, distilleries - Cleveland.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxQZEtwby12dHBQZV9qTlBPSXEtbkViSEZNcmZfaFdHa0did0hTVTRKMDZQUFhCdkxUbXVWZmlKWkZWb0ZzaWNRU3pkN3RLWUFMMi04RVZXcVNFMGtCdTZnZTk5eVNmX21yMDZhYzQyemtGSlF4M0w0b3VFeW9iTkNpQTdjNTFBZkVfQ1pMcElkMUpwVV9ZZjJyVGpnR2JxZXlIa05GUGdJUE1tUURCdWxMZTFybTZiV2xqNWtjVNIB0AFBVV95cUxNSWU0Tlg4TnZCRzdUUVQxTHBkNXdJXzFWczM1WUtPY3NPOVFacXhWaFNUZE1RZnZSQkJycGVWZHdJQnFYRHZPUGZaV0lGSFNyWHBuZmNwQ0dUd0dxOXV6YS0zbGxzczJfUXdtd190NUUtazVVdktDVjBGejNURTNYNE9jamRwXy00WEQ1RG5UdERYNjY5ektBNHpFcDBwejczWHBWV3Jsc2NlMTVnemNqWTRrSnZmT2lBSWdaamFJMDk1anNaTVlGazItdERJZWFh?oc=5) · Cleveland.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10253 (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/13.json (key "10253", 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=10253
- 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