# INDIANA UNITED METHODIST
KOKOMO, IN · NCUA charter 11799 · asset band <$50M · latest filing 2016-09 · stopped filing after 2016-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/indiana-united-methodist-11799

Who the members are: federal charter, associational, organized 1957. 283 members of 8,000 potential (3.5% of the field); checking penetration 21% (share draft accounts per 100 members); loans per 100 members 66.

**Verdict on the desk:** this could be *ordinary*. 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 | $963,036 |
| Members | 283 (– YoY) |
| Full-time staff | 1 |
| Net worth | $102,127 |
| Net worth ratio | 10.6% (p34 of band) |
| ROA (annualized) | -2.46% (p3 of band) |
| Total delinquency | 0.27% (p26 of band) |
| Net charge-offs (annualized) | 0.00% (p21 of band) |
| Loans / shares | 91% (p93 of band) |
| Cash / assets | 7.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.97% (p97 of band) |
| Operating expense / assets | 9.27% (p99 of band) |
| Vehicles % of loans | 56% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.29% (p41 of band) |
| Vehicle NCO | 0.00% (p25 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 11% |
| Unsecured % of loans | 40% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 18% |
| Average share balance | $2,197 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $4,201 |
| Loans granted, annualized | $277,503 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, expense trap |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |

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

- 2022-05-02 [Patricia Wade Obituary (1953 - 2022) - Bunker Hill, IN - Peru Tribune - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPNjEtbVJIcXBXSXlleXdPaThzVm5fU1VwQ0oxOWgyVEkxMVZHS2JSMG5xUGItUUlVbnp2MG9ZVDNnYnU5eGNnQVhOTy1HRVB1M3huaGI2U1Y1ZGtGYUFuYVZDY0Z2NVIzSDZkSnlMQ0QzYlVaUDRTMEtPdlBYTzN5ejNMWEUyMlVKYUZXNjlIaDJNUQ?oc=5) · legacy.com
- 2015-05-27 [Women in business set the course for success in ’Busco - kpcnews.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQdmhQcGNHYW41MmlZVm1lUTJMZVBQVk1VNmlicjBDTDlkMjZNcTF0TTE2N1R4QkZxd09EQmZ1REQ0QXRyZnd6VXFjZHktcVcyek1IMEFncEtQS1A3VDFGZVAxUFZaWGtTLTZIOHBtdFZTMllpWFQzNk4yeUFaY3VjbXZZQUNQQQ?oc=5) · kpcnews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11799 (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/23.json (key "11799", 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=11799
- 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