# UNIVERSITY OF SOUTH ALABAMA
MOBILE, AL · NCUA charter 13659 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/university-of-south-alabama-13659

Who the members are: federal charter, multiple common bond, organized 1960. 8,374 members of 25,000 potential (33.5% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 27.

**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 | $56.7M |
| Members | 8,374 (-1.3% YoY) |
| Full-time staff | 9 |
| Net worth | $8.9M |
| Net worth ratio | 15.7% (p74 of band) |
| ROA (annualized) | 2.21% (p97 of band) |
| Total delinquency | 0.31% (p29 of band) |
| Net charge-offs (annualized) | 0.40% (p64 of band) |
| Loans / shares | 52% (p33 of band) |
| Cash / assets | 55.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.55% (p89 of band) |
| Operating expense / assets | 2.97% (p30 of band) |
| Vehicles % of loans | 74% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.35% (p37 of band) |
| Vehicle NCO | 0.55% (p68 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 12% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 3% |
| Average share balance | $3,696 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $10,754 |
| Loans granted, annualized | $7.9M |

## Flags firing in the latest filing

- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | auto monoline |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 | auto monoline | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | delinquency rising | net worth falling |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 2 | assets shrinking | delinquency rising |
| 2019-12 | 1 |  | assets shrinking |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | thin capital, losing money | margin squeeze |
| 2022-06 | 4 | delinquency rising | losing money |
| 2022-09 | 3 |  | delinquency rising |
| 2022-12 | 2 | delinquency rising | net worth falling, thin capital |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 3 | delinquency rising, assets shrinking |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 3 | delinquency rising |  |
| 2025-03 | 3 | members leaving | delinquency rising |
| 2025-06 | 2 |  | members leaving |
| 2025-09 | 3 | delinquency rising, loan book shrinking | assets shrinking |
| 2025-12 | 2 |  | delinquency rising |
| 2026-03 | 2 |  |  |

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

- 2026-06-09 [Vendor registration open for the 2026 Mobile Chamber Business Expo - mynbc15.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxQSFYxRHA0Tko1OW5JZC1YS0ttVVhYc25OSmY4MEx5SmJsdTdSLUEzeFQyTWU4QXB6Y3dWX09vTFhtSlJ6Vzd5Y2NaS2RNZXU3b2IwbzEwZmN6VnZEZEFhTzlqUkpPeDZFTkRYUmo2SjdmZVd5c2pqSDFUdVlweGYtSWZmZWMtc2w2d0ZBOUpHX0hKLTZHeG9VNE9qU05XYV9CWUN5M2EtSTRuSmJXbE5Kc0lSQQ?oc=5) · mynbc15.com
- 2026-07-17 [McRae named next Baldwin County superintendent - Gulf Coast Media](https://news.google.com/rss/articles/CBMizgFBVV95cUxOQkZUb204d015WVQtTUJSYkt1ODJ3WkEwQjN5dXJTbVpDT0ZBd3U0Q3VVQkdBY2F3YkhLV3NfbkhpQUk4eFI5bmlPZTJTYW8zRDFFT1dCRXJ4Y0N4cWJ6T29QYkhvU3lGYTlyVmhiejltajhXeXNJNzN3WnhFV1pndWVGSHpyTklVWnpTZVY1MVZGZEdHQzJVWlVCWWNmUzN1WVRzb0h2NXk2c3hsUzlNcTFLTGx1VnVJT3JrTTlMVEpWeTA2VTBaN0FsV1p0UQ?oc=5) · Gulf Coast Media
- 2021-06-01 [Pilot Nurses a Dream - University of South Alabama](https://news.google.com/rss/articles/CBMikAFBVV95cUxNOE0tdzc5SkNtR0Q4Mm5odHJHQk9jMXVHNV9RZ2pCTF9iMnN3QzMxb0N2VW8yUkFIaWZlZGFLdU9wRkUxQW9vYWtBQ1dtM1pSTnRvcGZXZWxDbFF3RVhEeGhQZ1BtUkQwNzZwUjlHdXJja3Ewa0pkTWdEeTA1Mm81VWU5Sk1HVDZhVFZkNkJSVzM?oc=5) · University of South Alabama
- 2026-02-02 [Foundation for the Future: Mitchell College Real Estate Program Marks Rapid Growth at Founders Circle Luncheon - University of South Alabama](https://news.google.com/rss/articles/CBMigAFBVV95cUxPcTJ2YUM4eHZoWFJOQ2oxSGpueE5fZ0ZhUHo0V21tTXRnNGxzbjRiM2otQ1JvVUFwWG5GTGtrSU11UVRQdkgwVXZnQUNNeEpDU0ZuN0dtZEU5bTViSk11QWJkNU9mZUhCLXA3UUNlUmRERktPMWZRYWp6SXRQVmpIQg?oc=5) · University of South Alabama
- 2025-12-09 [Way Back When in Baldwin County with Harriet Outlaw: Legendary coaches, part 2 - Gulf Coast Media](https://news.google.com/rss/articles/CBMiugFBVV95cUxPYU4yZWQ5NXRpdHJ2LXRLRlNfa0ZrT20tZ2ROaWZjNFJIeXBIUjgwRzJtTERFQUw1aDlCeU9zSGNCT21hMWtZanF0aFBJTHJyUzUtMFdid25zWWhpMEpfTko1REZBQ1NhWDlsY212bS11d3hMQktyc0hCV2VYREtndjJ4cmloOThsRGtmZWlVWTVsenJiVnZaTzNlVGpYak9Td3o0QThlNHpoSVdwMW83OTczQ1JUZkFhV1E?oc=5) · Gulf Coast Media
- 2024-06-07 [Coosa Pines Federal Credit Union awards $24,000 in scholarships to local 2024 high school graduates - Sylacauga News](https://news.google.com/rss/articles/CBMizwFBVV95cUxOZ0NiR2lOWHFXVmxkYTFGMG9EMmZzcXQ1TnhrY2dFWG0zaHlPWXc3cV9MaGwtSUxJelhYbG1qWi1xQlozOEdQMmc3bnRlcUJYbm4zak9kNThDT2ZsOXRkdWNxRUVqTjlGYVJJZk1XeEwySlRLWG5ibGVpY01mdnE5REl3Si1vTmc5SG9NejVKeHdsYnZONE9hR3BLZUN1Q1hUMzVMakpKcnZJTVhvUWpLdXpGd090T3dHX2c4c3NwUW85X2xMUzExQ2FLNXg5bHc?oc=5) · Sylacauga News
- 2021-12-02 [Zachary Fleser Obituary (2005) - Mobile, AL - AL.com (Mobile) - AL.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPdGlPQnlXWDZDTzdmOHdiSHNxWFpZZFBkM0V6OXpCT2NmTUh0X21tLURTR09kSTFMRUxraTdjR2JDc0xDQ0hEaW5PeW1HcV9oelRHTi1hN2pSdl8tSGV0eUl6bEVQS29aam1qUWwtMGRvcmt0STlzOU16ZU9vZXhSZXYyeHZUMjJDSmc?oc=5) · AL.com
- 2022-02-04 [Stephen Heisler Obituary Feb 4, 2022 - Mobile Memorial Gardens Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTE1pSnQ3Y3FyeXl0dWpSMzE1TmZMMW82RmdSMHNYZWg3N01yWlc0aV9BdUJmbkFuMmJsZThFbzVzYzFGaVV2SmcyYkdpMmw3VnFaNlgtTjVvS1dOemRmWHZXWi1NU0h2czR5aWtUSGQ0Mlo?oc=5) · Mobile Memorial Gardens Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13659 (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/27.json (key "13659", 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=13659
- 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