# H A L E
Indianapolis, IN · NCUA charter 10778 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/h-a-l-e-10778

Who the members are: federal charter, service (single sponsor), organized 1956, low-income designated. 192 members of 1,000 potential (19.2% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 20.

**Verdict on the desk:** this could be *too clean*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $406,766 |
| Members | 192 (-31.2% YoY) |
| Full-time staff | 0 |
| Net worth | $90,043 |
| Net worth ratio | 22.1% (p80 of band) |
| ROA (annualized) | -1.07% (p10 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | -1.79% (p1 of band) |
| Loans / shares | 53% (p43 of band) |
| Cash / assets | 57.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.38% (p30 of band) |
| Operating expense / assets | 7.01% (p94 of band) |
| Vehicles % of loans | 78% (p79 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 | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 22% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 12% |
| Average share balance | $1,262 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 20% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $4,291 |
| Loans granted, annualized | $20,000 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | charge-offs p90, auto monoline |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | assets shrinking, members leaving |  |
| 2017-06 | 4 | expense trap |  |
| 2017-09 | 4 | delinquency rising | expense trap |
| 2017-12 | 3 |  | members leaving |
| 2018-03 | 3 | loans>95% of shares | delinquency rising |
| 2018-06 | 5 | expense trap, delinquency rising |  |
| 2018-09 | 4 | members leaving | expense trap, delinquency rising |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 | net worth falling | assets shrinking |
| 2019-06 | 5 | margin squeeze, delinquency rising | members leaving |
| 2019-09 | 3 |  | margin squeeze, delinquency rising |
| 2019-12 | 3 | margin squeeze | net worth falling |
| 2020-03 | 2 |  | margin squeeze |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | net worth falling, members leaving | loans>95% of shares |
| 2020-12 | 3 | loan book shrinking | members leaving |
| 2021-03 | 4 | expense trap, margin squeeze | net worth falling |
| 2021-06 | 2 |  | loan book shrinking, expense trap |
| 2021-09 | 2 | loan book shrinking | margin squeeze |
| 2021-12 | 2 | margin squeeze | loan book shrinking |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 2 |  | margin squeeze |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | net worth falling |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | margin squeeze |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | margin squeeze |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | members leaving |  |
| 2024-12 | 6 | losing money, expense trap, delinquency rising, assets shrinking, loan book shrinking | members leaving |
| 2025-03 | 6 | margin squeeze | expense trap |
| 2025-06 | 6 | expense trap, members leaving | losing money, margin squeeze |
| 2025-09 | 6 |  |  |
| 2025-12 | 7 | net worth falling, margin squeeze | delinquency rising |
| 2026-03 | 6 | losing money | net worth falling, margin squeeze |

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

- 2025-12-17 [Sandy's Hale Centre Theatre celebrates bond payoff, takes sole ownership of building - KSL.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQVkltZm91S2hIUW1ibThMVXRyeFBUT2h0ZlliaUlfekFIcVNRQlE3SWJ1YTM3QnlIbmRMMk9XdXFiN0JISlZkQmduWWVTRG9ZcGZiRkVVTXNxYzNQQkVub0Y0X3l6bzM1ci1oS1g3YWpaak5jay1XbVU5bjE5VUNOTzhGam85RVhDY2ZSWGpYQ0RvdWtqX1RDX2hKbklNT0o0eWxtMkJ0OVVMcUVOb3BSQk9VeDZNLWN1WDln?oc=5) · KSL.com
- 2026-01-02 [DPS confirms man killed in rollover on New Year's Day in Hale County - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi6AFBVV95cUxNY21Fa3Q5cVd4LWdody1PdS1yNEhZWWp6akFxNWRmeVJhb0xReXVQdHJiZzlKR2FfbHVpRzA5dTgzVDBCYWhUeE83OVFRVUVtOFpmbE1OLVdLSDdlemNvX2xmd3Rybmp4c01xbnMxTEowaGY5QXF2WEdqNHczeXVyclU2TTJqVUdXaFpnelk5UFBGbW1BR3N2SXpkMmxGWUl1c3o4cWw2VVRrQnhVUmZtcVRiT29LdzkzYTI0V3ZLWS1RZEU4VXBNSzd5eVFaRWkxTWQ0SUw2N2JRTlJDOFFKRFRwUm5EaE1o?oc=5) · Lubbock Avalanche-Journal
- 2026-01-09 [Amy Joy Hinkley Obituary (2026) - Oscoda, MI - Buresh Funeral Home - Hale - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE95UGlPUnpmaTRiYkViUkdkQUxLNnhiTzRCcDFEb1dWX2ZRd09fa0h5NThGcW50S2MzYW15UTNXTTUxQ2l5UkFIV2tEQk9XdURGRGNkX0I3Wmw2RGZfZzU4a3RVNW5CNUtlR3VkZ3VrWG41R3pIdGd5NURRNlIyYWc?oc=5) · legacy.com
- 2020-07-09 [Business Digest: Mescon, Hale join Tennessee Valley Federal Credit Union - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMickFVX3lxTE11Y09fMEM0c2RwT3B5ZnZ3RGY1Q3lQLVJTZFFzR3VESk1BbG9xVDMtNHd4N3lKcEhWNmlNd2sxZFJmYkVoelJyaVJlMXQ5Tlp5WVFCdTB6S3o5U0t0M21ha19qSGFGczBqTm5vSUs4eHR5dw?oc=5) · Chattanooga Times Free Press
- 2026-07-14 [Federal Reserve Follows (to a Degree) FinCEN and Other Banking Agencies in Proposing Sweeping AML/CFT Program Reforms - WilmerHale](https://news.google.com/rss/articles/CBMi-AFBVV95cUxNcTJpQThmRVl1UWxtM0dYZXlZWHdGeWtJUk52cVpJaFpZU0cyaU5JV2xaWU5SNHo2YVlQb3IwVkdyNVYxTzVYT196ckoyS0k2VHZfNmQtRVdzYXBGdDZZSVAza0szYi11RzRvWU42ZHl6UTc2Vnh5VDlsOVhWbFhHYkoxSVFzVHVWWGJZaHhBUnZ4TnB5TVNXc2dQcExGb1phZmVYVHhGN1o1dG1qR19JVVM5VjVYRU9rSmtCQ2h1enduaEw3T1JEVnpmeXZsOHdQUlZJN3gzLVJjejlmUFpyWGRyVVhqTDRGQ2U0UHp6MlJKTnJOSmZXbw?oc=5) · WilmerHale
- 2022-06-14 [WesTex Federal Credit Union Commits to Providing Free Financial Education for Individuals and Groups in Lubbock and Hale Counties - KCBD](https://news.google.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?oc=5) · KCBD
- 2025-03-28 [BMO hires Halé Behzadi to oversee California market - americanbanker.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxORTNqNkxjSng4MnRKcHp5NWxMNTdlY1ZUZjlvMGdoTkhwMllhR2ZaUFh1aDNfYjh0NkFCTVI4VE5xYVFOVFE2ekJuVEU1ZkZpVmo4S2RmNmFGVlk5VHQ5TVpfWFFYeXBncHZfNUhZbl9qa2lfRlIxbTlTS2p1WkpJV0hhYnc2cUY4Ml9rWWNVdVE?oc=5) · americanbanker.com
- 2025-08-05 [City seeks proposals to transform historic Hale Building in downtown Sacramento - Sacramento City Express](https://news.google.com/rss/articles/CBMiwwFBVV95cUxObk1VTEdUdFdZa2xrT3AyTUFRT2tTTmdJTjFiTzZDVk5MS0lEMmJSakNzbnNTYU5DdnQ5cV8waGItdlB1Zm5OazAzcVJXTkZJdTNtN0RZUGdlWjI1a25MSW5HRXBlbDdfQzUxcG05QklWa1liTjRKaW1mNEtsQWhqUWlsNDBwcFpMRHR2dDA2VWRUd1NYcUh2WFZ5RGQxZVVZNTdZR29OQ2N0c0NlaUZReFJJOEpZYlQ2em50WVBpZFFWb0E?oc=5) · Sacramento City Express

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10778 (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/26.json (key "10778", 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=10778
- 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