# TALLAHASSEE-LEON
TALLAHASSEE, FL · NCUA charter 1316 · asset band $50-100M · latest filing 2022-09 · stopped filing after 2022-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/tallahassee-leon-1316

Who the members are: federal charter, community charter, organized 1936, low-income designated. 5,953 members of 293,582 potential (2.0% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 67.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $79.0M |
| Members | 5,953 (-2.0% YoY) |
| Full-time staff | 16 |
| Net worth | $8.9M |
| Net worth ratio | 11.3% (p60 of band) |
| ROA (annualized) | 0.50% (p51 of band) |
| Total delinquency | 1.53% (p91 of band) |
| Net charge-offs (annualized) | 1.03% (p97 of band) |
| Loans / shares | 55% (p46 of band) |
| Cash / assets | 32.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.19% (p82 of band) |
| Operating expense / assets | 3.70% (p75 of band) |
| Vehicles % of loans | 58% (p74 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 47% |
| Third-party paper % of net worth | 117% (p82 of band) |
| Vehicle delinquency | 0.93% (p80 of band) |
| Vehicle NCO | 1.99% (p99 of band) |
| Repossessed % of vehicle book | 0.04% (p86 of band) |
| Real estate % of loans | 11% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 45% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 5% |
| Average share balance | $5,857 |
| Participations bought / yr | $3.9M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 28% |
| Average loan balance | $9,676 |
| Loans granted, annualized | $21.1M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | expense trap |  |
| 2016-12 | 3 |  | expense trap |
| 2017-03 | 3 | expense trap | thin capital |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | net worth falling |  |
| 2017-12 | 6 | thin capital, delinquency rising |  |
| 2018-03 | 3 |  | net worth falling, thin capital, delinquency rising |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | delinquency rising |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 |  | delinquency rising |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 | charge-offs p90 | 3rd-party paper>100% NW, expense trap |
| 2020-06 | 3 | net worth falling, 3rd-party paper>100% NW | charge-offs p90 |
| 2020-09 | 6 | margin squeeze, delinquency 2x band, charge-offs p90 |  |
| 2020-12 | 6 | delinquency rising | net worth falling |
| 2021-03 | 4 |  | charge-offs p90, delinquency rising |
| 2021-06 | 6 | delinquency rising, charge-offs p90 |  |
| 2021-09 | 4 |  | 3rd-party paper>100% NW, delinquency rising |
| 2021-12 | 3 |  | margin squeeze |
| 2022-03 | 2 |  | auto monoline |
| 2022-06 | 4 | net worth falling, 3rd-party paper>100% NW |  |
| 2022-09 | 4 | delinquency rising | net worth falling |

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

- 2024-10-07 [Loyalty Credit Union names Park Broome as new President and CEO - CUInsight](https://news.google.com/rss/articles/CBMipwFBVV95cUxNXzh1dEJzUGF1SW1PUzJYT3pGdGNnSkdPOV9sWkVIZHRmM2QwRTBtOG9CTkM5SWhHdE9ZT3JGTzN2bFhJMmlNZ051UHZMUERwc2NrcVdGX0o2QlNqa1hOX3ZEbGJ5TzZ2MEhuLV9xa1B4cDZXMlVqczdFSkxlRVBfM0M4UmxJb1UzeG51WnVMMjNLZ3RRMVdNMkxpblNBZzlWcE15ZzFzRQ?oc=5) · CUInsight
- 2016-10-04 [Tallahassee-Leon Credit Union receives $1.7 million grant - Tallahassee Democrat](https://news.google.com/rss/articles/CBMitwFBVV95cUxOQ0o0WU5OZVF2X3pGUXFyWG9vV2xISjNwQmRfVERUT194X09CWVF1aHUwYzhvOVd3ZFNKLXNvc19mMGtuOXZQT1dBLVdpLWU0XzRTbkxsMUQ3T1VtdnYtaVhyOHM1T1lHWVJMNkU5QXJJWnF5OG9RLTlmVTl4NWdXMmRCT1dtVEViVnMtTzJ0WlVBQTNCcXdoQm9vQ05Wb2lrcnRRcnNoUGlDMUlSQnRqODVxYW5ieEE?oc=5) · Tallahassee Democrat
- 2019-03-26 [New study highlights Leon County's severe housing problems - WTXL ABC 27](https://news.google.com/rss/articles/CBMimgFBVV95cUxNaFgtaFJPSjZQc082RFFSSFh6dG85N2tQblRpR05lWU1CM0l2NzBUdUkzS1MwNUh5OUNSaldBWEpoOHpUWDczX0dVSUxZbUctV3BjS1RLTEhjcHFGY0JhLWxxc3BzLVhHZEZoTU54dkxiS1VMN3hlWTk3Y1JVZ3ZvQzJVcUVfVG9sUmdtelljdE1sVG5SbmxreVJB?oc=5) · WTXL ABC 27
- 2012-07-27 [Northern District of Florida - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMieEFVX3lxTE9rMXhzdXRfZ29DSGFnWGJKOTZZRkFKcXQtN081cHRCemtaOVdEbHZ2eFNfZ3lWaFlsQldoa1lvUHNLSTlVSDY3OThHYXZBNzNLV21zMEtBSXRfcnN6RVhjeWZCbnhVUnhtVTBUM2RoOUZOeGR6TW1BaQ?oc=5) · Department of Justice (.gov)
- 2012-01-27 [Clarence Brand Obituary - Tallahassee, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPLTlyMDllOXpEU0lFa2pTSTJwemlxdk1OSjE2cGxFX3ZhUElRRVNDMXVIaWI1ZHRBd3o5YzZfYWtJNXBYdlVReFZyX2ZWeUo2eXRlQWpDR1BPbGVCQk1CU2p4cGU0aU1aUzhIcWtueDl1OVJQYXNQUEFTTHB6UTd4dk9VZ05aV1k?oc=5) · Dignity Memorial
- 2018-12-14 [Quincy woman arrested for bank fraud, Tallahassee man sought - WTXL ABC 27](https://news.google.com/rss/articles/CBMi0AFBVV95cUxONGdycVJNLUE4cXBsYl91cnlGZUZkeHBKV3BPVmx1RVpEVHVmakFrdnRQaHBtWTlsOHhSZER2b1prNDNsLXo0MHViYlQ1WXJFZUFCQnFmdWFJcXB1YmhmQ09kVXZoTkxNcTIzVEVrUTZvMG9YSkF1SjJUM3V0bWRwUld1MmhYMHhxYzVPNUpmV3lEVUlEdEZtZ21QTEhkRTE1RWN1VVgxcmtpYV9jdnNQUlNOdUxSZ2RmQkVXYWpEM0M5bVBXMkJOOG51bERqekw0?oc=5) · WTXL ABC 27
- 2018-10-25 [Ali vs. Proctor: A voter's guide to the Leon County Commission District 1 race - Tallahassee Democrat](https://news.google.com/rss/articles/CBMiswFBVV95cUxNcjZxUXlOd2sta0N6T1FNNUI1akx2RW9rUXVmVWlpNjhvNGUyLXFuQUc2cnNUVGpqUnZVenZKbG9NNVdBREEtN1AwN2t2UDg4cjYzWDJSS01ibUN3eFNPZy1SNmxscEZ2c1A1TzQ3U3kxM0dfdm1NWnVlTU9jTFhIa3JDWVVfekFjQWhBX0dDYjJncTNjd1RHMFY0cWlfZ3p5TmNYa1QyMTBuV1NKUjgzNk5BOA?oc=5) · Tallahassee Democrat
- 2014-08-23 [Financial institutions - Tallahassee Democrat](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNbEtjb2hqaXdkTVpfQ1FlWjlrNWNCUFFmSWd3VWdfOG16WWFlYUd6UnlNcmFEc1Vrd2tJZTZwaDc3WDJyS1pRV29UVTB4WGJOdVFjQVRCa2xsdlM5bldJcXNXVHNJcG0wbTRyRlVINjVuTDEtY2Z6Rl8ybEdIbjZ1MGRyV1F5UmZ0RXU4?oc=5) · Tallahassee Democrat

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1316 (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/36.json (key "1316", 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=1316
- 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