# EAST ALABAMA COMMUNITY
OPELIKA, AL · NCUA charter 12383 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/east-alabama-community-12383

Who the members are: federal charter, community charter, organized 1958, low-income designated. 2,977 members of 163,271 potential (1.8% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 22.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $21.0M |
| Members | 2,977 (-1.9% YoY) |
| Full-time staff | 6 |
| Net worth | $2.9M |
| Net worth ratio | 14.0% (p44 of band) |
| ROA (annualized) | 0.42% (p42 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.19% (p64 of band) |
| Loans / shares | 32% (p15 of band) |
| Cash / assets | 64.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.24% (p26 of band) |
| Operating expense / assets | 4.64% (p73 of band) |
| Vehicles % of loans | 77% (p78 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 | 5% |
| Unsecured % of loans | 21% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 96% |
| Certificates % of member funds | 4% |
| Average share balance | $3,267 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $8,990 |
| Loans granted, annualized | $4.1M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | delinquency rising |  |
| 2019-06 | 4 | net worth falling |  |
| 2019-09 | 3 |  | net worth falling |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 | net worth falling | expense trap |
| 2020-09 | 5 | margin squeeze, members leaving, loan book shrinking | delinquency rising |
| 2020-12 | 4 |  | loan book shrinking |
| 2021-03 | 4 |  |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | net worth falling, delinquency rising | margin squeeze |
| 2022-03 | 2 |  | net worth falling, delinquency rising |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 2 |  | assets shrinking |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | net worth falling |  |
| 2024-03 | 3 | delinquency rising | net worth falling |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 3 | assets shrinking | delinquency rising |
| 2025-03 | 3 | loan book shrinking | assets shrinking |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | members leaving |
| 2025-12 | 2 | delinquency rising | loan book shrinking |
| 2026-03 | 1 |  | delinquency rising |

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

- 2026-05-26 [The Credit Union Impact Foundation announces 2026 grant recipients - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWU1lcXlRT19fLXU3QUM5d0hkWFVHTjFrZkwwZU8yTVdGay02cXUyeGx3MG9qUE8yQUgzSlg1bHAtMExCaDZjYmpQZGVpLWxBY0hfbGJtdklFdGxndUtOSXU4ZXhCdVRfZGdic0VyLVdKYlZGNUxQY2VEa2hQSlZSWVZPMzZaM1RDS05USDEzLUJNSUFicHREWXVTblhHaFE2enlLZzNWaG1hY2c?oc=5) · CUInsight
- 2026-07-29 [Update: 30-pound pet tortoise Squirtle located safe in east Alabama - WRBL](https://news.google.com/rss/articles/CBMipAFBVV95cUxNMjAzU0V2SnJrOTFReU5wd0JQRDNxRUx6dFowYjVmVzNvYW8yUzBILWRiaWNtTk9zVVZNdVU5UnpiLWNvSWFYOFRrdGFFTmtTS2RNOUI1Xy1za3dIei1Hc3hobW4zTXdrWjhieVYtajJBM2dKSWV4bGF1cXlXVzZNVHhSc1J2RS1kQUtoNUxJT2xIeTJCN29mMURkazZleFZqTGxIddIBqgFBVV95cUxNWGhEdjY2UmthTHlWZDVZU0VQM0ZOU19BT1dHUnIxMGI5dmZZcUdIVG5LVjNzZG9Sa2xXX2duOFo1VUtXZzVLMjMxNjlCT3pWT1FLRWw2WWdoOWdwbzR1M243eGtNdks1QU4zVTBqdmM4cGNQTnpwdEVDQUZUWS1xNHU4UXVMXzROaVNVMVZkX21Zdi1ONXQydGQ4UEV1cU1PVG1XX0tONmRwZw?oc=5) · WRBL
- 2026-01-06 [Food Bank’s $3.9 million Community Market opens as food insecurity rises in Lee County - WRBL](https://news.google.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?oc=5) · WRBL
- 2021-02-06 [Elaine Pouncey Obituary (1939 - 2021) - Opelika, AL - The Opelika-Auburn News - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNaVNhQnBLYU1sX0kxbnlpbS0zTDZ4ZkJCZFhMVlZrNkdSLUJpS2xielc0eHViUEtmd25DamxqVFRoS0ZqUndjM1ByN2c2VXpqamVudTA3V2ZnbzBVMXdUUXNtcjNkdXhUWkpRVWdSTS1UME5yXzBHMUxNNjNaamEyVmcweUd6S2F0TlE?oc=5) · legacy.com
- 2025-11-04 [East Alabama community mourns loss of Laredo’s co-owner Arturo “Art” Reyes - WRBL](https://news.google.com/rss/articles/CBMinwFBVV95cUxPSzBCamhFOWlZd2NiRmllQW4xOWdlc3A2cnEwLXJXdThuQzVPYXVjNUs4NTlQOVZUcDkyaC14RkwtMmppd0x4YUF6a0RjTzNDaDlfejBCYXFWeDd6bnNkZk9QYzE0ODJYV0tJNG9EUm9NNTRJVUVEUmFvSzctN0ZGZ3dISUhpazRFVnFDNGVBMVdHOE9NQmpjaVBsaXhNZjDSAaQBQVVfeXFMT1RVbG5XRW1HNFBCM0ZndkhqSXl6eG5rdmtHYmszZldqV1Y0QzVSamQ2dlVFdzlSRWtycVJpV0IzeFVTdjUzQVFsMmYzMjQ0R3FIcmxlck1fQkg1ZDBFOXFHbFNSQTNwOGtVYkhUb3hsTU00QjViN3AwaWlCYmRYWWY3SnlpMEVCR2w4cHdER2VlNmpHOWVrOGpkbG5tVzNtWGxBRS0?oc=5) · WRBL
- 2019-09-19 [Terror suspect living in Auburn attended Opelika’s Southern Union Community College - WRBL](https://news.google.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?oc=5) · WRBL

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12383 (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/31.json (key "12383", 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=12383
- 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