# EVANSVILLE FIREFIGHTERS
EVANSVILLE, IN · NCUA charter 1263 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/evansville-firefighters-1263

Who the members are: federal charter, multiple common bond, organized 1936, low-income designated. 2,030 members of 3,000 potential (67.7% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *too clean*. 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 | $34.4M |
| Members | 2,030 (-0.8% YoY) |
| Full-time staff | 4 |
| Net worth | $4.1M |
| Net worth ratio | 11.9% (p29 of band) |
| ROA (annualized) | -0.04% (p23 of band) |
| Total delinquency | 0.06% (p22 of band) |
| Net charge-offs (annualized) | -0.03% (p18 of band) |
| Loans / shares | 57% (p50 of band) |
| Cash / assets | 48.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.42% (p8 of band) |
| Operating expense / assets | 2.84% (p28 of band) |
| Vehicles % of loans | 33% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.17% (p39 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 40% |
| Average share balance | $7,298 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $17,847 |
| Loans granted, annualized | $5.4M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 | members leaving | delinquency rising |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 0 |  | members leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | assets shrinking |  |
| 2020-06 | 0 |  | assets shrinking |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | loan book shrinking | margin squeeze |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 | delinquency rising | loan book shrinking |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 0 |  | delinquency rising |
| 2023-12 | 1 | net worth falling |  |
| 2024-03 | 2 | margin squeeze |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | margin squeeze |
| 2025-03 | 3 | net worth falling, losing money, members leaving |  |
| 2025-06 | 1 |  | net worth falling, losing money |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | losing money, delinquency rising | members leaving |

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

- 2024-03-20 [Captain Ed Gunn named 2023 Evansville Firefighter of the Year - Courier & Press](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPTVJBSU5QXy1tbGd4QnhFRWk5LUJic3NRZERPX1V2UG44QVNXTzVDS3Y0MkJUVUFSdzNWWkhpMTktVndTQUdaQk05SzdTd2U2dEVpeVR6ZXdSUUMtMHdKOGlWSDM0NjJ1ellBV01peGtNWFBUNUpHRk4wQzNKWnlWTXFLZlZGYWJXVU91Y2RnN1FHaHRYSGQ4Zl9fM3RZdUNTSjlHQS1wVUVCNkxmeTB2eUNzT0RBY2hOdFl5ejV1T25VRjE2dkIwOERIY3FETDd1NHYxalgySkpKRkdoRlVRQW02WjFWUU9XYnhDazJ4RWRuZVE?oc=5) · Courier &amp; Press
- 2026-07-16 [Frederick E. Williams - View Obituary & Service Information - Pierre Funeral Home](https://news.google.com/rss/articles/CBMieEFVX3lxTE1ZZ0d5MFZaREdLNUlMcFZjUDFkSWZENHY1NFdFZi1Cb1lJNF95bkpHNm9IT1d5T3NidlBRUVVPVC1Ka1RINWpPLUNiRk1NZGtpeHA1NGFNUzBkdUlaWTFLWVFsaWJWdzRON3RWeXBMZGozbU0zOEJiaQ?oc=5) · Pierre Funeral Home
- 2021-05-19 [Inspector Frye Wins Kiwanis Firefighter of the Year - WNIN](https://news.google.com/rss/articles/CBMimwFBVV95cUxNcHUtTzhDYXJ6ejJZdmdfYUNvWlZKakJ5cm9TTW9ucHBKN3NLczBfQWtlWlRnOG1KUFhqVWNwZzU1Y1VDdjFYYVQxdmFEOXhXbmhtb185TGJ4RzZNR2VNSEVDalNLZDJ3MDRDU3F1a2ZER3FLZlJ4WFpmaFBuMktOX3hQZ04yUmp0TjZ0Z1ZRZGJGeHlGU2RGaEZMWQ?oc=5) · WNIN
- 2021-05-19 [Evansville Fire Inspector named Green River Kiwanis’ Firefighter of the Year - 14 News](https://news.google.com/rss/articles/CBMipgFBVV95cUxPczRYVy1qTXBSb2RzVXFONUhoS2NmRzR2UVNDaWtVNjA0VV9DMU1ORmdBN1A4cnc1Tm05WmNMUTY1Q1BBcjk5ek9uMHhPY292MTFWVk5JWW1vb2pUbkRUNHBQekRKWlp6Qm5ESVlXMGJsSkZpcTR0SVF1cHBTV3NVUHJVT250WHdieXJaWEs2azJ4MGRSSG5jLXZNdXVMWml2c0JKRU930gG6AUFVX3lxTE9GQk02ZUNfYmlkNldVdmVsRW5JYmQtdkJ3T0R6ckVrckxPMjFmSXpWMlBPSDJ3dWtOLXlZYl8ydm9ueHhCS3BSbWdOd1p3TmE5OXh0dFFpcHBFekZBWEFtb2loMk5fc2tmUFZQTU5wdVNxai1qTndaV1d3bUlBWlkxOVdmSDVQQzN1Rm51WXN2LWJHelVMbEtIZk44T3B3YWlMbGpNd2pJV3o3SFJIdWpGaVYwN0FTYXNjQQ?oc=5) · 14 News
- 2019-03-07 [Evansville firefighters start reward fund for information about Robbie Doerr's murder - Courier & Press](https://news.google.com/rss/articles/CBMiygFBVV95cUxPTnJDRy1kdmR1Z1FFY1kyUzFaZUVtZ1BOYWgxdGNJQ3lkNkFjN21yRWptNW1DTFliWDBEQWQxdHVvdk1La2k3NkdFQzY5NVZKbV9FVGJobnZMbjl5R3N1WGpXRXBVaEI1aUhHb2RuanRCa2RqdG1RRDVkVkNRMWdYaWhRNnFBTEVDV3J4SXJGLW9JT1NlSmRpM3dLckdsRXU2YXFSbHlvQVR1dTVZYVJaWlRhQWpNNlRoeG9PbmNQSVNObkdySS1CTmh3?oc=5) · Courier &amp; Press
- 2018-12-20 [Evansville firefighter still recovering from 2016 accident - 14 News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOUVpocVFSVWp2ZER3bFF3TEVvOWg2V0o4bUVyOFBxdTVDXy1NUXk4OGZmVmktUjg4QW9IWEFZWFFNYmdFeFZrR3ZjRkV0RUtWU3pKOWlzd3lsOU1WcjVBbWxvSlNQM1hqOVYwUVNuZ25ONkF1clREM21ucU1jU1lISXFIMTFCXzBMZ0Jv0gGfAUFVX3lxTE9JeUdyNlp3T0c3cVBnTWtNN0cwN1RHVzR2WXE0NUFmV0N0QWpMVUNBTVBYeFFEZy1nLWFDUTV6bzdLb3dmZnJfUXgtQ095LXdUQi05X1ViQlU4YmNVck81WEh1aUFTUWdUU3QwZnlZdi14Vjd6dTJSdGtodkgzdHhqWTJWbG9QNDhXU3l4Q3NSS014S2Q0VGJaZzJUdUlHbw?oc=5) · 14 News
- 2017-03-16 [Injured firefighter: Thank you to everyone for the support - Courier & Press](https://news.google.com/rss/articles/CBMiswFBVV95cUxOU0l4eEdaMXFQVERsY1lsMVhXYVNYVVNOOGRaWS1nLXM1eFdydXFUOWVjNGtWQ0hPQzVxVGJKQVRxNFFkVTdua21uWEJSUUtYWkczX3FBdnJFbERQS21neTUzN2lNa2ljTnQ2cERGNm1TbUctNDFsSDUyYmIyMUJNMV9uX05zaVR5TnV4N3FobC1iTmFYeDQ3X0x1a0VONlJzNzZPYWhwRmUwLV9wRkhxcExBVQ?oc=5) · Courier &amp; Press
- 2020-02-19 [William Darrell Dickinson, Sr. Obituary - Courier & Press](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9aSXJ0Tml5Z0J1TnJiTWhFOHRqVXktTHFycGJXSjVaZjRDSk5ua3pCTW1XalNFSjBIdUp3a2ZvM1JnZXlSUW9GQ3dqQVdLOW1sTU9hRlk3LUhBS2dqU2c?oc=5) · Courier &amp; Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1263 (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 "1263", 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=1263
- 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