# FLORENCE
Florence, AL · NCUA charter 13167 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/florence-13167

Who the members are: federal charter, community charter, organized 1959, low-income designated. 3,930 members of 152,679 potential (2.6% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $66.6M |
| Members | 3,930 (-1.9% YoY) |
| Full-time staff | 18 |
| Net worth | $9.2M |
| Net worth ratio | 13.8% (p61 of band) |
| ROA (annualized) | 0.26% (p26 of band) |
| Total delinquency | 0.78% (p60 of band) |
| Net charge-offs (annualized) | 0.21% (p46 of band) |
| Loans / shares | 45% (p22 of band) |
| Cash / assets | 28.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.27% (p29 of band) |
| Operating expense / assets | 3.58% (p51 of band) |
| Vehicles % of loans | 30% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.58% (p84 of band) |
| Vehicle NCO | 1.13% (p84 of band) |
| Repossessed % of vehicle book | 0.47% (p96 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 25% |
| Average share balance | $8,140 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $12,751 |
| Loans granted, annualized | $6.5M |

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)

## 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 | 2 | net worth falling, delinquency rising |  |
| 2017-09 | 0 |  | net worth falling, delinquency rising |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | delinquency rising |
| 2020-12 | 2 | repo signal |  |
| 2021-03 | 1 |  | repo signal |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 3 | delinquency 2x band, delinquency rising, members leaving |  |
| 2022-03 | 0 |  | delinquency 2x band, delinquency rising, members leaving |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 2 | delinquency 2x band |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 0 |  | delinquency 2x band |
| 2023-06 | 0 |  |  |
| 2023-09 | 2 | delinquency 2x band, repo signal |  |
| 2023-12 | 0 |  | delinquency 2x band, repo signal |
| 2024-03 | 0 |  |  |
| 2024-06 | 2 | net worth falling, repo signal |  |
| 2024-09 | 0 |  | net worth falling, repo signal |
| 2024-12 | 1 | repo signal |  |
| 2025-03 | 4 | net worth falling, delinquency 2x band, delinquency rising, loan book shrinking | repo signal |
| 2025-06 | 4 | assets shrinking | net worth falling |
| 2025-09 | 4 | repo signal | assets shrinking |
| 2025-12 | 2 |  | loan book shrinking, repo signal |
| 2026-03 | 3 | repo signal, assets shrinking, loan book shrinking | delinquency 2x band, delinquency rising |

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

- 2026-04-08 [BBB Announces 2026 Spring Shred Days across North Alabama - WHNT.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOUS15MVZYZi1YZnNNSzBUbGMyM21ab0pPb3ZYeDNzclNkdW1KT2JiTlp1VERmTzV2N2ZKWFdQUTR4Vjk0dEhlNlBFWE04ZUlZWlBBNDdUWmdueS13Uk9ZQmxXQWhoOXc0RDFSbmJuOXQ2Y0RIREdYdmRiSlRkRURZb3Uya3VYcGxQem1RU9IBkgFBVV95cUxQaWRUWnBmV2dESllfTXdTd1pDbWhEck1TcWJGZ193TmlGM3hmcXhERDViMHJmVVNleG0yLUNaXzdQUlNVeUZwOHlWZFNYdndwcnBxX05CdnpkOEpyek90WGFQdkVpQndjWGZja0Q0NHY2UUpxZ3VrcV9nUjZxQy1jaDFEbUM0U21lOHNhWG5WT3RkUQ?oc=5) · WHNT.com
- 2025-12-16 [Santa Claus is back in Alabama: Where to take holiday photos now - The Bama Buzz](https://news.google.com/rss/articles/CBMikgFBVV95cUxQMTVURnFQQmIzN2FuSjNCb0ZwQlhQN1lNeUljQUZwekdYemtLS3I0S2JrSDBMcldlWmQtd1FNY2tmMTk1ZmhxMTNJclRpTjhhSEpOc2o3ejhSS3lrUVdFbDhNZERGY2c5N2JiN1IzYkl4Vi1RTVFSTkNkX2VYdkVRUkRWNzY5clhsemJ4TGp2SndpQQ?oc=5) · The Bama Buzz
- 2026-03-03 [North Alabama hosts free Spring Shred Days across four cities - rocketcitynow.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQd0RKSjlDM1FZWldyNklUMGxUQWFUblFXMjJYdG8ydDFERWdqNDEwWmQzUzVWUVNHRzBZdXNUXzdCQnViWEwxdmJkbEU3RGpOdnhnQV9TdjREWEhkczJVMEpLYzJxZEo3ajhXd1p3ZFdqUF9RY0t3NjBmNmxaY0JQMlVyT2F6UUVEdXRmdmg1am1MVk5CckRiZTFsM05wMGh3SEtUNEZxdTk3OTdDdDhYb0hSTk1LVWp3UFZVRXBEUXNNZmpQcXRaZ0ZRYjl5UUNYYi1xdnQxTU5sVmJIVzhxaFl6R2Z4aHlHRmNWbnBQLXpRdXM?oc=5) · rocketcitynow.com
- 2026-04-07 [BBB Shred Day is BACK - courierjournal.net](https://news.google.com/rss/articles/CBMilAFBVV95cUxQQk5RX0RSaHJXUWtxenpISmNNek5MRnB2ZF95b20zQTlVdHc3TzFBWVl5VmV6a1Y2cWZGN3g4RlBDRXQ1ZWlTemF0NVJzeTVXLThTM1QtVE5hd1RlVnRvZGxYS09RY0NPN0ZnaHBDNGhjVFlCRXUwZi1KWEYyTzN0ME5xQUc0TkJPSVhJT1VieFJkbzFJ?oc=5) · courierjournal.net
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Alabama - Newsweek Rankings](https://news.google.com/rss/articles/CBMijgFBVV95cUxPQmVZc2dvS3dXQkpiX250UWRzYnBjSGF5ZDRLMUwtMEtGQ0hTODRZX0tFblFOOGpZb3kyWkZheHFlR19GRVFMal85UElvTjQyXzVCSlZ0ZmZBZUZiUm5lV19MRWFjRE5DNkdSeFZqV2REaUNPRXZaRVN4Nk9RcThkNHZhTGF6eXp0OThkejVn?oc=5) · Newsweek Rankings
- 2011-10-24 [Florence Police arrest suspect in credit union robbery - WAFF](https://news.google.com/rss/articles/CBMijgFBVV95cUxQVmpqTUkzNWNMc2k0N2RzWC10YTlZSWlyTE8zUVA1V3JHMHJpODdVbi1lQnBNQWI1ajFpUERTR2VqR0JlbWlUVDFSdzh2U3NQTWgyemdKaHhnRVdPcmZieENWNDBrRjlRa1o0aTlKbGxTaV8wTE5OWHZHR3M2Uk83U3BubGpQME9WREFLZjJ30gGgAUFVX3lxTFA2V1J5X19zdnJYSlNGa1VnczIySkh4eFd2QlZTM1QxMmNtT3RoX1EwWGJ3SGxScWpGdGdzdnNyNDdDY05pd0ppeW5sc2ZYbktnT0FLR1lPeW5iTElCazJWS0Q4Skl5eUhLellDRHJqOFBhS05KSWNaMGs5Rm5ielZ0a3ZtYng4MHlGZ0JVUGd3dHljNk0zYlJVa3hSa3JiaXI?oc=5) · WAFF
- 2021-02-03 [Dianne Eubanks Obituary (1943 - 2021) - Huntsville, AL - AL.com (Huntsville) - AL.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPUl9aZS1Pbmk0N0kxdzgwQjVaWHg3RHB0WkVnUlk1Y2ZsUGFqOWhyVUNnWVlyMlg0WDRRcmRXRURDX2VXcVdWZTlNU055d095ZjFjeVFYS0lVOGI1dXBhRmg2NW9WbjlOczRjRUhZX1JzV3NTZkJPX2FGTU4tSkQtUmVxLUFqODhxeEM4d3R3?oc=5) · AL.com
- 2025-06-10 [Big branch changes reported throughout Alabama, including in metro - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPcFhrYlNoZU5JR2VZamFwaXdkX1Nab2V6OVVQWnJWMEM1LWJxSjgtUXJ1dE5kODh2bmFNTWlfR1BIcTRtNU8xdlY0MGV0N19QczQ2VV9NRkFQSW0ybUZVcWwxd3FSV0RyUzhpOUJfSXBLZ2RNQVNhcnlpWWszdkoyY2VZVTIyRFNidWRSM0tkZlptZFRqQWFaeVNUNnlNcTcxdTBjQjZ3OXFvdw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13167 (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 "13167", 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=13167
- 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