# AP
TOLEDO, OH · NCUA charter 11171 · asset band <$50M · latest filing 2017-09 · stopped filing after 2017-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/ap-11171

Who the members are: federal charter, community charter, organized 1956, low-income designated. 4,308 members of 441,815 potential (1.0% of the field); checking penetration 31% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *stressed*. 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 | $34.5M |
| Members | 4,308 (-3.2% YoY) |
| Full-time staff | 12 |
| Net worth | $3.8M |
| Net worth ratio | 11.0% (p37 of band) |
| ROA (annualized) | -1.69% (p4 of band) |
| Total delinquency | 2.72% (p82 of band) |
| Net charge-offs (annualized) | 2.50% (p95 of band) |
| Loans / shares | 50% (p39 of band) |
| Cash / assets | 9.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.57% (p31 of band) |
| Operating expense / assets | 4.27% (p74 of band) |
| Vehicles % of loans | 57% (p57 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 71% |
| Third-party paper % of net worth | 162% (p98 of band) |
| Vehicle delinquency | 1.72% (p75 of band) |
| Vehicle NCO | 2.96% (p96 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 12% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 6% |
| Average share balance | $4,595 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $6,738 |
| Loans granted, annualized | $4.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 6 | delinquency rising, charge-offs p90 |  |
| 2017-06 | 6 | members leaving | delinquency rising |
| 2017-09 | 6 |  |  |

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

- 2026-09-05 [Smith and Sayin help No. 1 Ohio State prepare for Texas with 56-3 rout of Ball State - ehextra.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxOSWtYNHBkbHJxMkU2QU5qazk3TFhCZ0owT0FQdTVBOWZycTFjS3ZBVU9VTktXbHVJb3ExX0lrZ2pMelBTa1NOQWpCNERiaWJEZDVvQTkxSVZORHVhR1RwOExrVzYzRFd2bWlEWVVhS2Z4Y0Jodl9LbjAtRWowem9PTXhlNnFhQnVqQ2UwR0FZeUNFbUhwNGQ0eHU0M19sMjZrZVE5RUpmb0loOXJlRThQUXJlbk9yU2ZhYy1JbnViRGVGUTRUUFVtdHZwQnloM0d4TDUtVU9xOHJpUGZxcklPcVVsMVAxOFlsa29aVHRPWEk?oc=5) · ehextra.com
- 2026-09-07 [Texas braces for rematch with No. 1 Ohio State after previous close losses to the Buckeyes - Daily Jefferson County Union](https://news.google.com/rss/articles/CBMigwJBVV95cUxOV1VRUHhVM3puTEN1cWFiZUFlX2JzZzFpdm5BZ2RhYjJsZWROa2lNTVZwdEc2Qmh5SXBpdW5xUFJxOHN1RDBGZmFBdVVieGRlcHA2M2drSFJWWUJhNWhLM005QXRlc01rR0tRekxRU0hJRXBId2Qxeks1dTZpSFVRZnBmUC0xa2NqSmJ5d2NGb01WSTBZVF9Td3o0NTFoSDI1cEtYX3o2T0E3VnlDX0YtSE9Na2JpY3pXUjNuc244aFM4V2htaTA5Yjl4ZVpBSG5tVkFQVGo3QzFacW40WXRWbGpUbnMxUVpIc2k5c29CNHBlbkYwSGtFb1prclB3UnJQR3ZB?oc=5) · Daily Jefferson County Union
- 2026-03-18 [Heiden Earns AP All-American Honors - Iowa Hawkeyes Athletics](https://news.google.com/rss/articles/CBMigwFBVV95cUxPMlJwUXlDZVJkOEJ3azV1bTJEUTZjQ1JqQjhNLWRYNWJ4c21zRXllY1lLbzJidFhHOHVBMGd4MzRZeDM1QjRsUXZ3UlNwaVFKb2ZzNXh1S3I2VWpEQVlfazRsUUJ0aHNYc0wyQUZSWEVCZi1QbVAxN2wtWHZnYldhSEVCOA?oc=5) · Iowa Hawkeyes Athletics
- 2026-09-05 [Jeremiah Smith flashes Heisman pose in Ohio State's warmup for showdown with Texas - ehextra.com](https://news.google.com/rss/articles/CBMigAJBVV95cUxOOWtlc001NkwwcUN4Q3p6Wkk4N09Ebld2R2Ztal8xcDhNOGhELUJVeWpfZ3RNbXF1STZuTVZIaF9CSGRXc2ZyUzhvVmRCVlphbTZhSkhjRFZMbXFTVTBHZ3o2VmpZcVlBakJENUdRUi1hb0lqdDhwOThFaGJZMFFNMlloVU1BakNzeHpESU5HNXBOS0NmU09HM2R1a1QxODJtZVlUT2hUSGRVNFhzaDRsRHVFOFBEbE5jbXN2VWVfRGtQczVLR0I5bGM5dUZ1WnNVeHRxVVhJWGlkM2lCWVd2dDFLVjBuV1NBaXhvYW9HYjlHdXgxeW9kNDNfMHdEWmdo?oc=5) · ehextra.com
- 2025-12-10 [Anderson P. Richardson Obituary Dec 10, 2025 - newcomerdayton.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE9IQ1hwdzZmT2dkcDZneVB2bVNKQl9fQ2otdF8tQnRrXzA3bTUzLWxGMUI2cldmREwwOUtya3h0OVgzbXlLVFVXdE1mZjlwbS1GZXhLOUpSTUF0dG1YbzB2VXdwZXZrWGVrMTFpU3ln?oc=5) · newcomerdayton.com
- 2026-06-30 [Florida Credit Union Amazing Teacher of the Month: Kai Holyoke - Gainesville Sun](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQaW9IWVJDYmdENFhyTW1lV2hxSDBhb002UGt6bnpQMVNfVWh3LUZiYmVnV0VlVkdBX1dqQnoyelZLX2V2RDdPc2Rhd3BmY2k3UjVXcDVIVmM3WGFzeUlvRUlPQ3pLUG1LZXplRXJHMDY5Ry11akx1ZUJ6NFV1cXVoNk1CU0hJMlF2OUxES1VqVVpoZnhqcFIyWTRnWUFmcHBkTFJRMEEtY01kLWFlU042bUNhLTFfbU9YenlLYUJOVWFCT2FVM2tBU1hjYl9jcjNrd1JvYzZR?oc=5) · Gainesville Sun
- 2026-04-27 [A bank robber’s cellphone gave him away. Now the Supreme Court is hearing his case - Pioneer Press](https://news.google.com/rss/articles/CBMihgFBVV95cUxQYkFPNDRXR3BXbE5sS1djT3NPUktlNDNES3kzSjhnal9SWXhEdUptRndxY0VFZ3kzQVVPMlNPeDAzT2hBSlpBeVRuUVkzWnQyMUxVUTFZaGduUlRUV0l6QVZ5NkgtdWN6NDFlZ3ZMbW1sT1FKUVpsZ1AtdVN1RlFUODgwUGw2UQ?oc=5) · Pioneer Press
- 2026-01-27 [Ohio nursing homes still waiting on $1 billion Supreme Court says they’re owed: Capitol Letter - Cleveland.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNbUl1YUdLcmtnQXNIeW9xVGw0M2FRNzIxRjFJbUEtclpPUkJOZ3pyMHpFa2VraHpmMnNYajcxR0dVVElKWnN6R25NVGxFaFR4QUs3eDRLYTE3ZGhGdmllTi1Xam9KQ2V5dmFmRE14b2h6LTlUSnZCVmtWaUd2dnAzV0RmeEhpU3VkQ2VFemRCUDlIUzBZYjdoOW9XS2szWVhZVEdaNTBmWmJ6VU5yQWFSVENuVUExNmNTQkVGM3ZwQmZYa05YaUQzLTBVdnVzREty?oc=5) · Cleveland.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11171 (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/35.json (key "11171", 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=11171
- 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