# BREWSTER Brewster, OH · NCUA charter 11445 · asset band <$50M · latest filing 2026-03 · live Share link (named URL with a preview card): https://getbookiq.com/cu/brewster-11445 Who the members are: federal charter, community charter, organized 1956, low-income designated. 2,822 members of 376,169 potential (0.8% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 44. **Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice). ## What the filing shows | Measure | Value | |---|---| | Total assets | $32.5M | | Members | 2,822 (-0.5% YoY) | | Full-time staff | 8 | | Net worth | $5.9M | | Net worth ratio | 18.1% (p67 of band) | | ROA (annualized) | 2.36% (p96 of band) | | Total delinquency | 0.34% (p38 of band) | | Net charge-offs (annualized) | 0.12% (p60 of band) | | Loans / shares | 57% (p49 of band) | | Cash / assets | 51.5% | | Borrowings / assets | 0.00% | | Net interest margin | 4.63% (p77 of band) | | Operating expense / assets | 3.39% (p43 of band) | | Vehicles % of loans | 72% (p67 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% | | Third-party paper % of net worth | 0% (p43 of band) | | Vehicle delinquency | 0.32% (p45 of band) | | Vehicle NCO | 0.20% (p75 of band) | | Repossessed % of vehicle book | 0.00% (p46 of band) | | Real estate % of loans | 12% | | Credit cards % of loans | 0% | | Unsecured % of loans | 6% | | Commercial % of net worth | 0% | | Core shares % of member funds | 95% | | Certificates % of member funds | 3% | | Average share balance | $5,229 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | – | | Loans outstanding per 100 members | 44% | | Loans granted per 100 members, annualized | 13% | | Average loan balance | $12,049 | | Loans granted, annualized | $5.7M | ## Flags firing in the latest filing - **delinquency rising** (`aq_dq_rising`) - **auto monoline** (`str_vehicle`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2016-03 | 1 | auto monoline | | | 2016-06 | 1 | | | | 2016-09 | 1 | | | | 2016-12 | 1 | | | | 2017-03 | 1 | | | | 2017-06 | 2 | net worth falling | | | 2017-09 | 2 | | | | 2017-12 | 1 | | net worth falling | | 2018-03 | 1 | | | | 2018-06 | 2 | delinquency rising | | | 2018-09 | 1 | | delinquency rising | | 2018-12 | 1 | | | | 2019-03 | 1 | | | | 2019-06 | 2 | delinquency rising | | | 2019-09 | 2 | | | | 2019-12 | 3 | net worth falling | | | 2020-03 | 2 | | net worth falling | | 2020-06 | 4 | losing money, delinquency 2x band | | | 2020-09 | 2 | charge-offs p90 | delinquency rising, losing money, delinquency 2x band | | 2020-12 | 2 | margin squeeze | charge-offs p90 | | 2021-03 | 4 | net worth falling, losing money | | | 2021-06 | 2 | | net worth falling, losing money | | 2021-09 | 2 | | | | 2021-12 | 2 | | | | 2022-03 | 5 | net worth falling, losing money, charge-offs p90, members leaving | margin squeeze | | 2022-06 | 4 | delinquency rising | losing money, charge-offs p90 | | 2022-09 | 3 | | net worth falling | | 2022-12 | 2 | | delinquency rising | | 2023-03 | 1 | | members leaving | | 2023-06 | 3 | assets shrinking, members leaving | | | 2023-09 | 3 | | | | 2023-12 | 3 | | | | 2024-03 | 1 | | assets shrinking, members leaving | | 2024-06 | 1 | | | | 2024-09 | 2 | delinquency rising | | | 2024-12 | 1 | | delinquency rising | | 2025-03 | 1 | | | | 2025-06 | 1 | | | | 2025-09 | 2 | delinquency rising | | | 2025-12 | 4 | net worth falling, margin squeeze | | | 2026-03 | 2 | | net worth falling, margin squeeze | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-07-26 [Robert D. Wentling Obituary (2026) - Brewster, OH - Spidell Funeral Homes, Inc. - Brewster - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPY3ZndTNQNloxSkhBaXE4TklaQThlQmNVVUFhVXVEb2RhTmRMRlpTNVYyQjRFUC1aQ0pNRXdwQ0RrSk5rNWV1OVQ1eTJ2cjJBaXgzU1plczk3ck9DUS1abXRMeEpLdTZ0ZXh5eEtLOHR6bHNSSTdUWFF2bVREZFNTSzVMT0M?oc=5) · legacy.com - 2024-11-08 [Debby L. Gesaman Obituary Mar 10, 2017 - Paquelet and Paquelet & Arnold-Lynch Funeral Homes](https://news.google.com/rss/articles/CBMiYEFVX3lxTE0yVHVaclJCMDdkLXJ1cUdKSXlkUEE2RkhjcFdTb01kRFItdTZWYk5TSWJUR3VEdW0zUXplQ1pWQ2s0MHVMTlJvbjRpalFXRjM0aFIzNTVMcjVKNUVDajMzXw?oc=5) · Paquelet and Paquelet & Arnold-Lynch Funeral Homes - 2020-02-27 [Here’s how small-town Brewster is making big business - Canton Repository](https://news.google.com/rss/articles/CBMikAFBVV95cUxNY3ZCUkk0a1RaNlRETEZtLUgwd0xfTnI4RUtFVk5TMjlNYlYtWGJpUmZCZUs3dnZoLTN2QWNRSnUtSXFscU5VX2c4MF9WM0NyLUVCbE8yZnZMY2hINmlLYmZwemNjcG0tYTAwZjBRanVCcDFFNExKdUJfV25KTkp1TDdDdkZUdDF6bEFzU1RieVk?oc=5) · Canton Repository - 2019-09-30 [Can a Pagan credit union break the spell of big banking? - The Outline](https://news.google.com/rss/articles/CBMikgFBVV95cUxPYTlYaGxOUFpYaVFNYlJVaDdaNkw4OFdIM3dSLWppS1RBVnBNRVdmMFVqUEZpcGx0OEVsc3pIZl9YaTI0V0dSaDl0alhyaWl1MW51cERkUjd0bU1TbGJoWjV5WFRwVDdSVXcwUm9lY1F4cENVWUliZkhDRmQ3YkxuRllqS3RHcUNHQW94QnFMZWlvQQ?oc=5) · The Outline - 2018-08-17 [Brewster's Hometown Pharmacy opens in Piketon - The Pike County News Watchman](https://news.google.com/rss/articles/CBMixwFBVV95cUxOcVktQ2tYNjcwNlU1MEhJbm84dHl5STFGV2tZdVpFWWZVNExrOWZkRGx5eEl0M0UwQ2VtWXJzdFBJVVdvc3Y5cmpQQkQ3NkhzRlkteW5ydUFMNnBzVzFYOTlIZVV4VjQwQjVkeUFzM1pteDZzYS1SWWd4OTE3MEt4OFkyT0NLd2I1UHphMXNRWm9zOHl3UVlESnR2WHduaVFfYUxIR2h4WWM0c2ZIZVpCTVNVSkQ0a25GbWZHOW1FVjAtQ05NRnZn?oc=5) · The Pike County News Watchman - 2026-06-13 [Lake Center Christian beats Hiland 2-1 for first OHSAA baseball state title - Your Ohio News](https://news.google.com/rss/articles/CBMiugFBVV95cUxOQWljajVhSnI4N3otV1UxSTNtNzJfZXpXMGlZWFZndUJ5UTE3WGtyeFprQVhNOC01ZVQwWGo5VnZSWFZoQ1hmVllQMld2Q1QtOGZtbFdBSkhySjlzLWU5NTZrX2FvVWQwaXU5azR5LXpHUEV3dDJiTUQ5b09ickhkZ2dHU1IxLWpWM3R4RnEtUUhsbUNoRWRNNVozTE9zeUdIQjJGcTZfRnZ4clZfZXo1aklLVU9HRW9LUmc?oc=5) · Your Ohio News - 2010-07-28 [Ethian S. Hodkinson Obituary Jul 28, 2010 - tolandherzig.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE9lSklOaERPY09wdHVvOXZ3UFRPVmVsY1RJSXVydHE0aFQ4R1BKWWEwN3FGRDVqWVhkY2V0c2V0UEJvMWtGOUdMRUZ5cXNVem9hU1lQaUlTYXFUSkJOVnZpWnM2aGtNN040ZXc?oc=5) · tolandherzig.com - 2024-11-08 [Dianne K Lantzer Obituary Aug 29, 2016 - Paquelet and Paquelet & Arnold-Lynch Funeral Homes](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1NNktDS1pESlgzb05GOWxPQWZjck5kQU1lbUZwbGI0WnFjSnJLb2o5MzZsTWE5cDhmckg2aUtTZTZSU0tRMGhzMkIyLVhKWVYyZ0NSSDZNVE5zYlBzVDJtZXlR?oc=5) · Paquelet and Paquelet & Arnold-Lynch Funeral Homes ## How to verify - Page: https://getbookiq.com/cu-intel/#cu=11445 (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/53.json (key "11445", 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=11445 - 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