# WESTERN REGION
CLEVELAND, OH · NCUA charter 13615 · asset band <$50M · 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/western-region-13615

Who the members are: federal charter, multiple common bond, organized 1960. 1,916 members of 5,000 potential (38.3% of the field); checking penetration 30% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $15.6M |
| Members | 1,916 (-11.0% YoY) |
| Full-time staff | 2 |
| Net worth | $1.8M |
| Net worth ratio | 11.8% (p48 of band) |
| ROA (annualized) | -1.16% (p6 of band) |
| Total delinquency | 1.50% (p76 of band) |
| Net charge-offs (annualized) | 0.49% (p83 of band) |
| Loans / shares | 28% (p16 of band) |
| Cash / assets | 15.6% |
| Borrowings / assets | 4.81% |
| Net interest margin | 2.23% (p39 of band) |
| Operating expense / assets | 4.28% (p83 of band) |
| Vehicles % of loans | 62% (p53 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p42 of band) |
| Vehicle delinquency | 1.98% (p85 of band) |
| Vehicle NCO | 0.48% (p86 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 24% |
| Unsecured % of loans | 35% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 6% |
| Average share balance | $4,147 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 33% |
| Average loan balance | $5,547 |
| Loans granted, annualized | $1.6M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | charge-offs p90, auto monoline |  |
| 2016-06 | 3 | losing money |  |
| 2016-09 | 1 |  | charge-offs p90, losing money |
| 2016-12 | 0 |  | auto monoline |
| 2017-03 | 1 | auto monoline |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | assets shrinking |  |
| 2018-03 | 2 | charge-offs p90 | assets shrinking |
| 2018-06 | 2 | net worth falling | charge-offs p90 |
| 2018-09 | 2 | delinquency rising | net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 | assets shrinking | delinquency rising |
| 2019-12 | 3 | delinquency rising, loan book shrinking | assets shrinking |
| 2020-03 | 5 | delinquency 2x band, members leaving |  |
| 2020-06 | 7 | net worth falling, losing money, margin squeeze, charge-offs p90 | delinquency rising, delinquency 2x band |
| 2020-09 | 7 |  |  |
| 2020-12 | 7 |  |  |
| 2021-03 | 6 |  | charge-offs p90 |
| 2021-06 | 8 | delinquency 2x band, delinquency rising |  |
| 2021-09 | 5 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2021-12 | 6 | delinquency rising |  |
| 2022-03 | 5 |  | margin squeeze |
| 2022-06 | 5 | net worth falling, assets shrinking | auto monoline, delinquency rising |
| 2022-09 | 6 | delinquency 2x band, delinquency rising, auto monoline | loan book shrinking, net worth falling |

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

- 2026-06-01 [7 17 Commemorates Start of Western Hub in Streetsboro - Business Journal Daily](https://news.google.com/rss/articles/CBMikAFBVV95cUxNVnZpbTBkMjc2b0U3OUk0amZlalBYaWxRMFVJT3FBSXg1VDZaV0doYS0tNHk4UV90UF8td3h4MzhRODF5dS03YkxwdjJVRzdRWWN0Q08xck5RbVZyMTduckQ2dVRSVjZ4bnk5NU5MVlNYLTl1NjhEeFVhQnhLdDVlUGZlV1VoYV81TVZ0MG5aTmo?oc=5) · Business Journal Daily
- 2025-08-15 [7 17 Credit Union welcomes Brian Williams as SVP, market executive – Western region - CUInsight](https://news.google.com/rss/articles/CBMivgFBVV95cUxPVi04T0h3Q2pvWjBFVy1qbHhwNm9wa0N0WjZSQnBFMnkxNV9qVERrZHJHTGp0SHM3REhWcnhnUTVTWDctOHVqazZIVExsQXhjdnNhbEIyM28zbGJRNmxtSC1KM2RjZUt1Z3FBQkdjYVI1RkxuaEEyY3lZVUc0VHh1aEZTZzZqQk05bGdRN1RkcThFbWtkb2dMVEFzaEFUcnpQcm9sYzlEZGk1Z3huZ25WcU5iS2JGNGNrSVd1a3N3?oc=5) · CUInsight
- 2026-08-03 [Professional advancement - Northwest Indiana Business Magazine](https://news.google.com/rss/articles/CBMijgFBVV95cUxOQ21HZXc4RExFUTAyRzVmLTA4dkcxc2J0UFVRZmdCYTlscFZONFdJOUtxbFUwSEFxVmUxT2R2NE5XNk9SQWJtbllDN1N4WXctY29FNm9CNk5WMHp2ek1rSUw5WldncFpPb3VUcmd3TUdWU1FHa0lXRHJxckx5UWNWSl9tTjNJdnpJMFZaNl93?oc=5) · Northwest Indiana Business Magazine
- 2022-06-08 [Here’s What Latest Disclosure Forms on Proposed CU Mergers Reveal - cutoday.info](https://news.google.com/rss/articles/CBMipAFBVV95cUxNUFJ3ZmoyelRvWDZJX0tZTzlTNlVpeWdocFY0OFp2a0J1R09sQWNHLW4wZWlVMnJXOVhVd3kxZFNYcG9aLUF5TmJCZ0QySk9FUDgzemJCN0xlT0RtbXVETWhDZjBkQ01YWU0xWHNFRG44R1k1ajYtcXlTbDBKWHJ0NTJpVEVJdlM1azhNbHVVRkVHcjhnMXNnY3hFUXBnaFBObHUxRw?oc=5) · cutoday.info
- 2024-01-23 [Dave Matthews Band Deliver Summer 2024 Tour Dates - Jambands](https://news.google.com/rss/articles/CBMikAFBVV95cUxOQXc0VVdMRXN0QnVzOXF6cWotNmExd0VfMW1CQzU2azhTSHlnSl9wdXpRMTNBTjlZdDJYQzlER1lTMW81dTdycW9BMUVnYTNPTFl1LWloQ0ZSTXAxaVNVNWFLRTFTUWRHRHRmQmtTNmtrc2MtVGtqbFdJZWxIbnkxNld4bGlBLVlkNU4wZFNSZ1k?oc=5) · Jambands
- 2025-08-16 [717 Credit Union Hires Williams as Market Executive - Business Journal Daily](https://news.google.com/rss/articles/CBMimgFBVV95cUxOMm83Tmw2VHU4SElUUmNCVHdGOERFOG50ZmpCbDFXYl9EeXF6WVQybVlsa3Zyam1SbkZfdnRhYzVfOVNoNGF2QzVieGhnVXpWN0t3bWI4RktEcXRrT2tmV0JkRDJXeGtFX2cyTkVfWHBZczFVN2N5TDJSZU9TbGRjdDlQYklPTE54dXdDa0tIMW9PbmJqWkdSQWxR?oc=5) · Business Journal Daily

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13615 (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 "13615", 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=13615
- 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