# ONE COMMUNITY
Parkersburg, WV · NCUA charter 12143 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/one-community-12143

Who the members are: federal charter, community charter, organized 1958, low-income designated. 8,348 members of 141,630 potential (5.9% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $100.8M |
| Members | 8,348 (1.5% YoY) |
| Full-time staff | 22 |
| Net worth | $10.7M |
| Net worth ratio | 10.6% (p35 of band) |
| ROA (annualized) | 0.38% (p30 of band) |
| Total delinquency | 0.86% (p66 of band) |
| Net charge-offs (annualized) | 0.49% (p66 of band) |
| Loans / shares | 81% (p72 of band) |
| Cash / assets | 21.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.72% (p91 of band) |
| Operating expense / assets | 4.28% (p71 of band) |
| Vehicles % of loans | 56% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 58% |
| Third-party paper % of net worth | 253% (p92 of band) |
| Vehicle delinquency | 1.05% (p74 of band) |
| Vehicle NCO | 0.91% (p70 of band) |
| Repossessed % of vehicle book | 0.15% (p84 of band) |
| Real estate % of loans | 23% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 9% |
| Average share balance | $6,966 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $18,355 |
| Loans granted, annualized | $25.3M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | net worth falling |  |
| 2018-03 | 3 | delinquency rising | members leaving |
| 2018-06 | 1 |  | net worth falling, delinquency rising |
| 2018-09 | 1 | delinquency rising | thin capital |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 2 | delinquency rising, 3rd-party paper>100% NW |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | net worth falling | delinquency rising |
| 2020-09 | 2 | delinquency rising | net worth falling |
| 2020-12 | 3 | margin squeeze |  |
| 2021-03 | 4 | thin capital, net worth falling | delinquency rising |
| 2021-06 | 4 |  |  |
| 2021-09 | 2 | delinquency rising | margin squeeze, thin capital, net worth falling |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 3 | delinquency rising, auto monoline |  |
| 2022-06 | 4 | loans>95% of shares |  |
| 2022-09 | 3 |  | delinquency rising |
| 2022-12 | 4 | delinquency 2x band |  |
| 2023-03 | 5 | delinquency rising, members leaving | delinquency 2x band |
| 2023-06 | 4 |  | delinquency rising |
| 2023-09 | 3 |  | members leaving |
| 2023-12 | 3 |  |  |
| 2024-03 | 5 | delinquency 2x band, delinquency rising |  |
| 2024-06 | 4 |  | loans>95% of shares |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | auto monoline |
| 2025-03 | 5 | net worth falling, losing money, loan book shrinking | delinquency rising |
| 2025-06 | 5 | charge-offs p90 | delinquency 2x band |
| 2025-09 | 4 |  | net worth falling |
| 2025-12 | 5 | assets shrinking |  |
| 2026-03 | 2 |  | losing money, loan book shrinking, charge-offs p90 |

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

- 2026-05-29 [Picture This: Organizations focus on downtown cleanup effort - - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMivAFBVV95cUxPdXdWd0Vra0VCMmFVWEZxS3d1QmVabDZTbkxiakR3b1dldE50bkhzQXYtY0RBSE5temYyUVFFT3dNbUptRkRGWFpvajYyNzZyQllnN1lKanFmblJId0x1bGtOOWRkc29vNUN5cFRiVWVIRmk2ak9kbEJMRlZxODZiOGIzNmtZNFYxM3NHWFR2N09PQmJ0VkpnUGRhVHI0eS12a2pFNGg5WnF2eW5rMS1JWERuSEptVi1HdGdydQ?oc=5) · The Parkersburg News and Sentinel
- 2023-02-05 [Paula Gilbert: OneAZ Credit Union - azdailysun.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOR05LUm1RNml4VXlNWWt3U3cwdzBWeGhKUkM4TkFIUnpPeGFQRzB6dTgwNGk2OVYzR1lrTUprMHlXWllYX0lBRXJIc0pQZDZseVlXY1ZYU1dPWG1ZMTJRaTE2eFJXVjRBcG1MRF9oZjZpN2NfRVJFUVJWV3I4amQ1UlRlMTBmWVFwZ0YyYUdsNGcyWVRsbXg2VWsydzQ1YUk1WmhHVWxlQzY?oc=5) · azdailysun.com
- 2025-12-05 [Kellenberger Trails - thedailynews.cc](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBQNDI2Tnk3STBma1ljbjk1YWdtdVJHbjRBMmN2N2hlUF9XT2lINDhDbjNpR1Jhb0NLN2Z2OGxvTU12YjNNQTdwX0JDRmpITEhUWW9fSFdkQktBY05Ob25IYWZkQXFjckR0?oc=5) · thedailynews.cc
- 2025-08-02 [Seasonings in the Sun: Downtown Throwdown returning to Parkersburg with food, beer and live entertainment - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMi-AFBVV95cUxNV2RJekZMU0dJTmtmVXNTNUxyR3o5b0YwUVhOeVhFbFVfWGxSQ0dXOS03TkE0ODRrc2RXYmg4dzhnMDJwUjk4ckcyblhCa2l6RTY5WVJiS3c1RWRwQXVKdHJGT0QtLU9PQ0ppRVVFZEZWVkhYOWRCOTBYWjV3Vlhqb3Nmc1N0NVNyc1I5TFc5TDl0bVliZ1JSQkY4MXFVMWJtRnlBTnRUMzhZejRXWVh3V3EyN09sZ2hhNFJnU2pPSnJKWVl6ZjJPaUVSMF9OeEMtZzllcExzS1hvcTNkMm5odTQ1OElLSWROX21tMXp2U2h2UGFxOENnNw?oc=5) · The Parkersburg News and Sentinel
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2025-11-22 [Downtown PKB: Winterfest to bring holiday cheer to Parkersburg on Dec. 6 - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNOWdhdjI4dVp0WUZJRUJXZjd3VWJjMnRKUEx2Z0xXajFncWZ1VU10NDdpa2YyQ2hGMk5COTVLN2REbklLcmwxUWk3S0pIQ2R2SlNmVnpfNXpHb1Fac051ZUJ3TXh4a0hoRjQ4ZXE0bzJsTndmckFLaWQxbEJmclhTcV9CT2NuT0tEdDVFMzV5cGNMbURjNVlnT2tWUkVSVWZXQUdaMkNQaFFRNU1kXzlDOV9mMDljTllsd2xPclFESGVvMHc?oc=5) · The Parkersburg News and Sentinel
- 2024-09-27 [Chamber of Commerce of the Mid-Ohio Valley: Members - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMinwFBVV95cUxPNGg4YXJxZlp5VTlmU1gwUzNOYjBsSVB5S0JHYVhwcTI0N0JxZnR5cFFQY3FoYU9qTHpNSy1KZ0JqVzE5a1VTdUpJZk02OGhxbVBNY0o3cXFXNFVsX3JxdEw2OXhVNGR1VnAwZzNCMmVqVmdrTnpCMUdsRE90T3A2dDZUMFZWRkpFQks0UGRNd25valV0NDZiVU9ZRGM1TFE?oc=5) · The Parkersburg News and Sentinel
- 2025-03-24 [Stage Presence: Lip Sync Battle raises money for Mid-Ohio Valley charities - - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMizwFBVV95cUxQMElVZ0dvWUdBM3RPX2VpTERCUXl6czlmZ2NheWpEdlVoM0NBZ3ZmMEdwd2pLNmRvUWJuRU9VaGRYekQxLUJjZUlHMG5lOFRtd3lxNkEzTTIwZEdOSEFtaFRCSlV2Ym5TV0kxNTZtMW5IZ2lMQXA4UzZsOXlyNVZiYWlIa2lYaFE2TGlqUURfaTA1dlVVZG5VamFPSWpJeGxuMGxVWXE4VUk5WmFxUlZ3UWpzSmtuZDNzSksydWxrQU1Db1Qtd3ZUQVE1dEhwZTQ?oc=5) · The Parkersburg News and Sentinel

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12143 (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/47.json (key "12143", 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=12143
- 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