# MEDINA COUNTY
Wadsworth, OH · NCUA charter 13794 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/medina-county-13794

Who the members are: federal charter, community charter, organized 1960. 10,175 members of 182,470 potential (5.6% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 48.

**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 | $149.4M |
| Members | 10,175 (2.2% YoY) |
| Full-time staff | 20 |
| Net worth | $18.0M |
| Net worth ratio | 12.0% (p55 of band) |
| ROA (annualized) | 1.64% (p90 of band) |
| Total delinquency | 0.10% (p7 of band) |
| Net charge-offs (annualized) | -0.27% (p0 of band) |
| Loans / shares | 65% (p40 of band) |
| Cash / assets | 9.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.26% (p27 of band) |
| Operating expense / assets | 2.29% (p9 of band) |
| Vehicles % of loans | 61% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 60% |
| Third-party paper % of net worth | 175% (p82 of band) |
| Vehicle delinquency | 0.04% (p8 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 62% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 19% |
| Average share balance | $6,915 |
| Participations bought / yr | $2.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $9.1M |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $17,623 |
| Loans granted, annualized | $33.8M |

## Participation posture (from the same filings)

Bought $2.1M and sold $0 in the latest annualized quarter; $9.1M outstanding purchased (50.4% of net worth), $1.0M sold and retained. Sold in 3 and bought in 8 of the last 8 quarters. Shares 10.3% year over year.

## 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 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | net worth falling, delinquency rising, 3rd-party paper>100% NW |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 1 |  | net worth falling, delinquency rising |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 2 | auto monoline |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | net worth falling | auto monoline |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 4 | delinquency rising |  |
| 2021-03 | 3 |  | delinquency rising |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | members leaving |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 2 | net worth falling | members leaving |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 3 | delinquency rising, auto monoline |  |
| 2026-03 | 2 |  | delinquency rising |

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

- 2026-04-28 [News roundup for April 29 - Medina Gazette](https://news.google.com/rss/articles/CBMic0FVX3lxTE55UDZQMU1kUy1ud1RyVzEtYjNYc0pqbVptVERxdmhrdWh1RDBveUlIZTliMkQ3SVV4S1NKNi12czJQcWtQME0xb3V0REJLcE5qSTlnQmR0SUJLQmdKNEJDejM1RENMY2NieDhRbjhOUGljUWs?oc=5) · Medina Gazette
- 2014-06-08 [Paul S. Lilly Obituary Jun 8, 2014 - Waite Funeral Homes](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5HaTV4X1JPX0tqcjhyTDBaYTZ3SFZPTFU3UnNQLVJmU2l6TDFRZXhNTTY2YUdLSlpiRVRrQXFHTzJLU3VhN0VHZVJHbDhndkJCN1ZmLVRjeEVfemVlTEpCWGd6aDE?oc=5) · Waite Funeral Homes
- 2011-08-11 [Kathleen Dilley Obituary Aug 11, 2011 - Hummel Funeral Home & Crematories](https://news.google.com/rss/articles/CBMibkFVX3lxTFBQTGhwZ2pZeE5OY1hGM20zTFJ4R21NekpwczhYSFlxeTBoVkkzZENQTWpubHBQemxhb3BlMWx2Ty1ONFEyLTEtUmNaQVFVbHBidm1lc2tNQnExLWIzTTY0bElxdk5hY1VxLVg3Q1J3?oc=5) · Hummel Funeral Home & Crematories
- 2015-02-05 [Raymond Gillette Cassell Obituary Feb 5, 2015 - Eastman Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE95VTd6dTBEWFZ2ZXFDcUdzLTFnYnQ0b0dWbWRIR3RhOFB0ZHVzNDBCbGs1U0pRS1BhQTRmSW95Uk9KbFRaSGpLaS03aGJ4UE1VdEp3RG9HdzNDNHh1bF94dGgtcWhTQ24zR0JqOFNR?oc=5) · Eastman Funeral Home
- 2024-04-24 [Ohio police rebuff 74-year-old woman's excuse for robbing bank - News 5 Cleveland WEWS](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOVTMxd1NpQi1fckxvUkJhSk94cXNzUTVTNUduenBORUVOU1FjTU1OUU9KTlRGWWZ1YWpYM2c3UmlhaDBTTTU2Ull2LWhaT3plQ3o3U2Y3MkxsdkdNeHFwbTJzM3ZTcnc3cEw3bk94bVZVX0hxYkNISHFJcmJsaGlOd01vZWlaR0xfYlY5LW92RmVfS2duZUl2QTZ3emp2ZFo5b0RHRGVaaFZWdw?oc=5) · News 5 Cleveland WEWS
- 2026-08-09 [Natalie Rych Obituary | Snyder Funeral Homes | Delaware, OH - Tribute Archive](https://news.google.com/rss/articles/CBMicEFVX3lxTE0yeGpZVjRMN0gwZ25jVGVjUjVZOFdRNUVuenpGdlRNT0JBZWZSNFBHREZ4dVh1bVI5c0JRMHprT1JTb1kwTGNBVUhxclo2WF9NbGhBalo0Z0NES2JndjZBSFRMY3BBOVhrZlM5eHUzUTQ?oc=5) · Tribute Archive
- 2019-06-18 [[Update: 8 more banks] Google Pay adds 57 US banks and credit unions to its already enormous support list - Android Police](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPSjhTQUN1SFZQZDB1ekU5cHJlM201ckRZcllldUJhd1JxaVhqc1lnVzVQaW9jZEJ2M2dNd1ZVVjlUclhITE45eXE1N043Mk1sNkJfTW5JYmhRRy1rWEY5bU5tN1p6S1ZjbmZxTzNveDhNaVF2eGFGMUJROFhOTkIwdE5RRWkxRFN0UFlobmJNajZJcDROSmhES0c3WE1kWHhJckh2bExsc0IzaG1LWDVEYlg3amZKYWdOMFBkYzNNdVo2Zw?oc=5) · Android Police
- 2004-02-02 [Teenager pleads innocent in stabbing - Cleveland 19 News](https://news.google.com/rss/articles/CBMihgFBVV95cUxOVXRTZW15d2NoLUlaY1FtZ0JIM0J6WXFfaFU2d0d3eXUtNUhycXc0c3M5akJTVUxaQmRyMDF1N3IxN3lYM3pQdlhWYVM5RnVJd25ERWhVZG96OGQySEdlWFhZTkF6M2dXS0FXNWt1eDh3bldjb3RrNVZMZ196WTF2dlBXSFFlUQ?oc=5) · Cleveland 19 News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13794 (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/34.json (key "13794", 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=13794
- 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