# OKALOOSA COUNTY TEACHERS
Crestview, FL · NCUA charter 13534 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/okaloosa-county-teachers-13534

Who the members are: federal charter, community charter, organized 1960, low-income designated. 9,553 members of 204,000 potential (4.7% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *auto monoline*. 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 | $133.6M |
| Members | 9,553 (1.3% YoY) |
| Full-time staff | 28 |
| Net worth | $12.7M |
| Net worth ratio | 9.5% (p21 of band) |
| ROA (annualized) | 0.31% (p25 of band) |
| Total delinquency | 1.44% (p86 of band) |
| Net charge-offs (annualized) | 0.83% (p85 of band) |
| Loans / shares | 46% (p13 of band) |
| Cash / assets | 38.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.46% (p37 of band) |
| Operating expense / assets | 3.89% (p59 of band) |
| Vehicles % of loans | 72% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 42% |
| Third-party paper % of net worth | 129% (p75 of band) |
| Vehicle delinquency | 1.10% (p76 of band) |
| Vehicle NCO | 0.87% (p69 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 8% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 29% |
| Average share balance | $7,154 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $10,439 |
| Loans granted, annualized | $20.9M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 1 | net worth falling | delinquency 2x band, charge-offs p90 |
| 2017-09 | 1 | delinquency 2x band | net worth falling |
| 2017-12 | 0 |  | delinquency 2x band |
| 2018-03 | 0 |  |  |
| 2018-06 | 3 | net worth falling, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2018-09 | 1 |  | net worth falling, delinquency 2x band |
| 2018-12 | 2 | auto monoline |  |
| 2019-03 | 3 | delinquency 2x band |  |
| 2019-06 | 2 |  | delinquency 2x band |
| 2019-09 | 3 | delinquency rising |  |
| 2019-12 | 2 |  | delinquency rising |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 4 | delinquency 2x band |  |
| 2020-09 | 4 | margin squeeze | net worth falling |
| 2020-12 | 5 | thin capital |  |
| 2021-03 | 8 | net worth falling, delinquency rising, charge-offs p90 |  |
| 2021-06 | 5 |  | margin squeeze, net worth falling, delinquency rising |
| 2021-09 | 5 |  |  |
| 2021-12 | 6 | net worth falling |  |
| 2022-03 | 5 |  | charge-offs p90 |
| 2022-06 | 4 | charge-offs p90 | 3rd-party paper>100% NW, delinquency 2x band |
| 2022-09 | 5 | delinquency 2x band, 3rd-party paper>100% NW | net worth falling |
| 2022-12 | 5 |  |  |
| 2023-03 | 4 |  | charge-offs p90 |
| 2023-06 | 5 | delinquency rising |  |
| 2023-09 | 3 |  | thin capital, delinquency rising |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | delinquency rising |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 5 | net worth falling, charge-offs p90 |  |
| 2025-06 | 3 |  | delinquency 2x band, net worth falling |
| 2025-09 | 2 |  | charge-offs p90 |
| 2025-12 | 3 | delinquency 2x band |  |
| 2026-03 | 3 |  |  |

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

- 2024-07-15 [Okaloosa County School District to Host Annual Stuff the Bus School Supply Drive on August 3 - Okaloosa County School District](https://news.google.com/rss/articles/CBMiakFVX3lxTE5ONTJCZ2ZVVDY2LTRfbU9KVjdYZjlVSnlaWFBxcTlxQTZHMXNJX25aX3F6bF82LWJVMG5iODFxR2hRR01JQ0lFaXhUWWNwOFowT1FXRlpnNHdwdnRTRXVLZ2dtTl9TQklKb3c?oc=5) · Okaloosa County School District
- 2019-03-30 [Food packing event helps Feed the Need - nwfdailynews.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPRHlnQmdPelpaZ2EwNUJFSFR4ZngzSlhBT01YWlZOZWNaeXpibGdoTlRfUkt6SjhyZUE0OVNiOF8zbWJTNWY4Y1JZODhpU2NDUFM2WGFfaTZSUFc2OTVsZl9FM0NKZFM4WUF0ODRXeTBLV05fN2NQQWFZeEhXTFhVcHJpdDlRLXJ5T2t4WExIUWtId3pwam5teDlveVJ5Zw?oc=5) · nwfdailynews.com
- 2023-06-21 [Martha Jordan Obituary (2023) - Crestview, FL - Whitehurst-Powell Funeral Home & Crematory - Legacy obituary](https://news.google.com/rss/articles/CBMiggFBVV95cUxOQ3ctdEtvWURTVGFJbkFSSGJkY3duZi1wQmNMSk5HeFNzM0ZWZWx2UU85Tl9mNW5paXF4eldmSG5YR0FkVmVPWml5NlZrWUJTYjZLczAyYUV0QTZmWmRoZUY1X1IzbkYzOGZIaUtMMWQ3Vm5jWFZlZF9EM29lX1Y0dlln?oc=5) · Legacy obituary
- 2015-07-18 [Gloria Jean (Mathews) Reeves Obituary | Whitehurst Powell Funeral Home | Crestview, FL - Tribute Archive](https://news.google.com/rss/articles/CBMihgFBVV95cUxPeTV1dWx5MGY1ckFoVmphLWZVZTAyOVE4MkJxUEtEbHgtcU8wTDY4MEZEeUtQVmk5VzlleS0zSnVueWdleHJuWXRqZjVfUzhpUm9ub1U2ZzF0eXZUZy01Rk5hRlRVcGFOSjJPU2kyNWM4bThobUNkLW94RkZvb0M1elhTWXRPZw?oc=5) · Tribute Archive
- 2023-03-28 [Teacher of the Year - 2024 - Okaloosa County School District](https://news.google.com/rss/articles/CBMiWEFVX3lxTFBLV01QOERaaGdFa3RuNEhXNjVMQ1JIUjU2T1pFdXFYTHhiMmxjWUlkdmhaUkZKMnhzUjJsVDAtS3lxdnl6bXZYeS05MmZSWmQwcHBJc0FKay0?oc=5) · Okaloosa County School District
- 2023-04-24 [Dustin H. Arnette - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxNOTFuQ2k5aEVqMU5XRFRmZjAwSlV4bTJRSmRxbFlLdGVHemRJMTgzNE5xcmpGRFpMQTYtUVFVY3dHUlRPQlZxcGxiX1pHMnhOSFhSZUZVN2dkYkk4aGVMRWNHaUhLY0VHS3JIWEEzVnZ0eHktN2ptak5XTUZnV3FJcjVXTnlrRlFuVXpZUEUwMk9wUWcy?oc=5) · Legacy obituary
- 2024-07-15 [Okaloosa County School District to Host Annual Stuff the Bus School Supply Drive on August 3 - Okaloosa County School District](https://news.google.com/rss/articles/CBMibEFVX3lxTE5fT1BHZmNFUmdxR09sNTU0S1N6ZGcxcEF3MXB5X3J0dGtmbTN1eGFMU1FKUklOS241d05MWHhiR0lsQWxIZngxbkxRa0xjeldDZU1ObldjdHBmbjdWSWkwdjZJMXJzLXhSUkF6NQ?oc=5) · Okaloosa County School District
- 2009-06-30 [Clem Payton Obituary (2009) - Crestview, FL - Northwest Florida Daily News - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxQYm5WbkM3aHlhQWM2OWU2eTB1YmdJckFuOUxJQWVrVjRZNDRiaXpkckh3NjlsQ1FWNnZqcXFIVUtxOEJhc2lJd284aHBzMjR6RDZxa2lDejBPdUFQNlhwanRQc3h1aGdiVGhZRDBNU3hFTERrcHZobFM4LUdqSXRCN3A5bFpUSmVKWm9rT0NNSEE?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13534 (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/30.json (key "13534", 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=13534
- 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