# GREEN RIVER AREA
OWENSBORO, KY · NCUA charter 12852 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/green-river-area-12852

Who the members are: federal charter, community charter, organized 1959, low-income designated. 4,970 members of 7,000 potential (71.0% of the field); checking penetration 27% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $60.1M |
| Members | 4,970 (-1.8% YoY) |
| Full-time staff | 12 |
| Net worth | $12.3M |
| Net worth ratio | 20.4% (p91 of band) |
| ROA (annualized) | 1.36% (p81 of band) |
| Total delinquency | 0.26% (p25 of band) |
| Net charge-offs (annualized) | 0.51% (p72 of band) |
| Loans / shares | 74% (p74 of band) |
| Cash / assets | 33.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.11% (p74 of band) |
| Operating expense / assets | 3.31% (p41 of band) |
| Vehicles % of loans | 59% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.16% (p21 of band) |
| Vehicle NCO | 0.75% (p75 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 16% |
| Average share balance | $7,618 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $23,851 |
| Loans granted, annualized | $16.3M |

## Flags firing in the latest filing

- none

## 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 | 1 | auto monoline |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | members leaving |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 1 |  | auto monoline |
| 2020-03 | 2 | delinquency 2x band |  |
| 2020-06 | 4 | net worth falling, margin squeeze, charge-offs p90 | delinquency 2x band |
| 2020-09 | 2 |  | net worth falling, charge-offs p90 |
| 2020-12 | 3 | loan book shrinking |  |
| 2021-03 | 4 | net worth falling, delinquency 2x band | members leaving |
| 2021-06 | 3 |  | delinquency 2x band |
| 2021-09 | 3 |  |  |
| 2021-12 | 1 |  | margin squeeze, net worth falling |
| 2022-03 | 2 | losing money, members leaving | loan book shrinking |
| 2022-06 | 1 |  | losing money |
| 2022-09 | 1 | delinquency rising | members leaving |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 0 |  | delinquency rising, assets shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | assets shrinking |  |
| 2024-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2024-12 | 2 |  | delinquency 2x band |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 | net worth falling | assets shrinking, delinquency rising |
| 2025-09 | 0 |  | net worth falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2013-01-17 [Police say suspect admitted to committing several bank hold ups - 14 News](https://news.google.com/rss/articles/CBMipAFBVV95cUxQR0ttSTNicUEtLWwtLTZpVkcwc19ZYXJEMk1Ua0dpTjI2OFlwZWlQd3JTdWxaMkZ5YXBBaHRyN0tPam9FaUtWangxODVmeFQ1cVFWRDROcFhWTzM2UXlHMVczLUlaSHhEdzd2ZjVaZ0s2U2NIVzJsZ2RSVzd4QWd4SGlsdzhtU0h1NlZnYjVwVk5PWmk0NF83VDEwU3gzVHdVRm9EWdIBtwFBVV95cUxNb0xaWTR2UFZGVnJSblVzSXRha0o1dDNtSGVKWk5TVnE1cENqVndOSGxmT1g2ckVTblkycVJLUEFZenZuUVUyR01HcUJPR1RuVFJYd3ZzRkswSWU4b3Jlc3laUU0zeVlvY1l3VjluVWRVdFNrekJxZWVxNkpLa2ZwTmVDcEJrOFI0OG9QWDVOMUpnQW9ackwwdC1UeEJ5SVczR29WRXpkV3g2bEhmYzdOU251Q3BQTzQ?oc=5) · 14 News
- 2026-01-26 [List: What’s open, closed, cancelled — Jan. 26 - The Owensboro Times](https://news.google.com/rss/articles/CBMilgFBVV95cUxNWEdRQzhNSXhyZ1VZeXItRER6cjdMVUZoODlJSnc1SXcxSTB0bkhtc1R4czdkaTdsb2FCSmdzUEhzbHhFa1RmQUpsY2x2NFhzZnpkWkdlcUJrd0FMNmpQN0Z0NnJUZ2tYU2RCVHpIYmFicFRCX2pocEZkR1Jnd0ktSlM5VGlObWphWHVPYmlicWxkc0stZlE?oc=5) · The Owensboro Times
- 2025-01-06 [Updated List: Weather-related closings, cancellations for Owensboro - The Owensboro Times](https://news.google.com/rss/articles/CBMirwFBVV95cUxONk1HWEpINDVCeDloWDFEMEUwOGRQZ0pkbXc2bjZpZG8yTHFxczZ2eG1mdkxjc2ItLTVJRmQzUjhESldFN09ZOUZ5eDZRUlNkcXROdHZadVZzbk1YUUxyTXhXWFd1cGI4Zjl5NGxCU3M1RG1VWkxUNXJpYXlIV2NoVTZiaW53S2YxYTVZZmlsYjkzZ1pPUnFWSGF4MHkwd3R2d1ZjeDBJa2FZTUZvSWhj?oc=5) · The Owensboro Times
- 2007-08-09 [Teenage sisters die, step-mom in serious condition - 14 News](https://news.google.com/rss/articles/CBMikAFBVV95cUxOVDdOSnVDaTJpaEFSelluREVFcEVyUnpLWjVENEpKai11R1RKdE9NSUEyVUJmU250T3BqQUE2Zk1hN2V5aWlTQzVOX19qNFhfTGxEaU9xUTlvNkt4QjBXU3lQdlViVHN3MlA5UDQ0ZU1yNS15VmltNTJjc0NlUXg4SG1lVzdlNUhLdGtuMi1pTlHSAaMBQVVfeXFMT3JvRGM5MXZXNXJ1TnBMeGdDUFktTnNPUC1tcEU2aEcwR2I4a1ZNbkFyTEV3anp5MmMzRnJUSWFsbkFJakxRUFVfVDRqMjI4T0M1dml2bnBkeW1jblVRUkJtamJxUVVMUHY2elhSSmFhN2JkMy1vdFg5NUVSLUx4Snh2S29zNUY1RmR6RDhWSXEwS3FBajU1R2ZWVmJWNjZHSWtRMA?oc=5) · 14 News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12852 (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/52.json (key "12852", 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=12852
- 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