# WIREGRASS
DOTHAN, AL · NCUA charter 13228 · asset band <$50M · latest filing 2018-12 · stopped filing after 2018-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/wiregrass-13228

Who the members are: federal charter, multiple common bond, organized 1959, low-income designated. 7,063 members of 283,805 potential (2.5% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *auto monoline*. 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 | $49.8M |
| Members | 7,063 (-1.8% YoY) |
| Full-time staff | 19 |
| Net worth | $4.7M |
| Net worth ratio | 9.5% (p21 of band) |
| ROA (annualized) | 0.60% (p64 of band) |
| Total delinquency | 1.13% (p59 of band) |
| Net charge-offs (annualized) | 0.80% (p78 of band) |
| Loans / shares | 86% (p82 of band) |
| Cash / assets | 12.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.93% (p73 of band) |
| Operating expense / assets | 4.99% (p83 of band) |
| Vehicles % of loans | 76% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 45% |
| Third-party paper % of net worth | 276% (p99 of band) |
| Vehicle delinquency | 1.35% (p69 of band) |
| Vehicle NCO | 0.67% (p78 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 8% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 23% |
| Average share balance | $3,480 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 39% |
| Average loan balance | $8,912 |
| Loans granted, annualized | $15.8M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## 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 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 4 | delinquency rising |  |
| 2017-09 | 3 |  | thin capital |
| 2017-12 | 4 | delinquency 2x band |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 2 |  | delinquency rising, delinquency 2x band |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |

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

- 2026-06-23 [Marcus Jones, All In Credit Union highlight financial literacy to Wiregrass youth - The Troy Messenger](https://news.google.com/rss/articles/CBMixAFBVV95cUxNZGNaRWlxTk40M1pydGMtRkdKZ1RILU13U0pWa2pEei1pa1R0ZzY5ZjJaRUNVMHpFdjduMkhJcTFIQlNYdWUzQk9NOWVWcENzUnZ1OWotVHNNU1MzVUJUaGl1blNpRnJSOTlzMTUyQjJYQU9zVWFhYWJRNGtMZDQxak0xXzJIWUtZaFh5VnhXRmFoUTU3dnA3S0ZCRjJxcmR4MlF3d0JqRXJIQ01XX09iRzRoN3ZBbzVnYUZmRm1RZ1RiSFo0?oc=5) · The Troy Messenger
- 2026-05-26 [Enterprise High alum, NFL star Marcus Jones returning home for ‘Game Plan for Success’ event - WDHN](https://news.google.com/rss/articles/CBMixwFBVV95cUxPNXZQbElZR09kVmdqQm5VRFBwVi1udjRJVW51UEZiWkhhMmZyTWFiSHhmV3JDV2loWFBJMHN5Wk02ZTVUS2JfNkJIbUlzWnRJVzBxZTFPbmI4SXdTdDZYM0Z5TUZzaDRwYUdqMFVRbm96Y1poV09MOHdKNTZWbzBQaTlyaGFDNzBuQkdCU3pfdW5JYUNINW1VaHJyYjMyUGU4X3hlZWg3VjhETmFSNFBpX1UybE1zc3dRbWM5X0FSal85OWlIdDI0?oc=5) · WDHN
- 2026-09-04 [PenAir Credit Union Breaks Ground on Future Dothan, Alabama Branch - CUInsight](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQVG42WC1qRVVSS3hNQmEwT0ZxZUZ0MlhCbndIRU5USG82cGNXRjN4S0UzZzNiS2VweXVzVHpjRFRhNE8xVnN5Z2xpZHhBbVhHSW1lcUlqNGdFM0psSVd3M012cGtBQ0VPY0tva0ZaNk4tN1ZvZXhWR256c3JqZ0hCZTBNcnRhcWJhWmhQaV8wSEhaNW9hZUlXX2lMRDAwMVdyTm44dmR5WFhWUQ?oc=5) · CUInsight
- 2021-12-01 [All In Credit Union awards $140,000 in grants to Wiregrass groups - WTVY](https://news.google.com/rss/articles/CBMikAFBVV95cUxOcVJEQXdBamd5aGpJX2JwaVRjNllfOXhPdWhCdFBOdVFrbG1paVJJY3FvWW9GOTFvRl80dlFFMkFjN0pfSDAxVy1KMENmdzc5UXE5RlpxTUVyMVdaN05yY1Z3ZEdEdExxM2RKZzJuNThobGxGX19nQ1hRX0IzaHE4MUN1Z3k1Z0lIWUY2Uk9SeFfSAaQBQVVfeXFMTnhrbmc1OXRYLWJGRjdaTDdoVEFZaTJFdnBSQmxlLU5VTW9pLWZDSnFHWElhS0J2bXBFUVZ6blIxNGphNlFTLXU2YlpiU0J5TVJhWjlSczI1Y2tKS2JfNmRxZlZKSFpOemxibDFxNTNNenFBdkVzMTBWNzlvbnF4d1hnc2NkUnhuQ05uLUxCWjFNWGRXeVg4Ty05cjVXcHlBYVpOZWo?oc=5) · WTVY
- 2021-06-14 [All In Credit Union holds grand opening in Andalusia - The Andalusia Star-News](https://news.google.com/rss/articles/CBMinwFBVV95cUxOcHhwZjUwa3hQalZMSDdFSnp2Sms2dWlYNU9Cd3djY2UwT1cwZjNNWGNjQkZwSHpDeHpzTzliV3pWaEE5TGhkSGVxSXpGc2lHbDBFSk9OWklNY0VKdmZTblhadXIydVVxN0dMNnpiS3UxcDF1TTFBcXpVZkpCcW04dHB5d2xYaUliaHhNV0Y3dEo2N2FhZ2NmWEFQMDhHRFE?oc=5) · The Andalusia Star-News
- 2026-08-21 [Andalusia Fraud Summit Aims to Protect Seniors - Wiregrass Daily News](https://news.google.com/rss/articles/CBMisAFBVV95cUxQemNNQmN1TncyT1FVa0FMLV9HSmxPQjByRHlQV21mQTJ1VF81SHZhM3g2aHN2TUgzZDF6SzRQcEdvUHBoTGhjRERNMDdNVE9EcXBYNG1XWldKcnd3WUtobmtReFJ3dzQzTkowWkVDU1ZyUWt2OHlobXdXMU5DVXVhdmJ2eklxVmNiMlByZUdxUXRvbThlNlZ2SE5oaGZicE1Ia2RjMWU5OTVIQXNuemxuaA?oc=5) · Wiregrass Daily News
- 2026-01-25 [SEE IT HERE: Damage around the Wiregrass - WDHN](https://news.google.com/rss/articles/CBMiekFVX3lxTFBQeXlXWmd1cTRtVE5EVkhsM3V2WjcyamxoU2szS2NYTU5LbVVfUmROV0pVWDNZeDBZSWNySktMcnk5LVIxMVhGSXE5dDV3LTBLVUlvdmplZkJsRFU3Z0VYdTVuc2VKZ2E3bURQMVExU1daZkdCMlUtUkhB?oc=5) · WDHN
- 2026-05-20 [Former Trojan Marcus Jones returning home to the Wiregrass - The Troy Messenger](https://news.google.com/rss/articles/CBMipwFBVV95cUxOcFFGVEUzSklhaWlrS1RMeW81WTZ3bWZoZXNPcDVuZWhRMXdhZTVieXFPOTd3UXZ3d1ZLemlPS3l4dFkyVmlFakI0WlN2VC1Qb25BZ3l1M0RLTnVaaEdRUm5vNm9MaXRNV1Nkcm9lVnB3XzZXbkpiVS01QlpwcWpuUTRnLVlMYW1mdVVpTG5ZU25JaTZfaE1CMFgwcURsejFrcno1R0dDTQ?oc=5) · The Troy Messenger

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13228 (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/44.json (key "13228", 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=13228
- 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