# VIGO COUNTY
Terre Haute, IN · NCUA charter 138 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/vigo-county-138

Who the members are: federal charter, community charter, organized 1935, low-income designated. 8,668 members of 107,848 potential (8.0% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 23.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $45.0M |
| Members | 8,668 (-7.1% YoY) |
| Full-time staff | 12 |
| Net worth | $5.0M |
| Net worth ratio | 11.1% (p23 of band) |
| ROA (annualized) | 1.20% (p77 of band) |
| Total delinquency | 1.58% (p72 of band) |
| Net charge-offs (annualized) | 0.52% (p76 of band) |
| Loans / shares | 69% (p66 of band) |
| Cash / assets | 8.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.27% (p66 of band) |
| Operating expense / assets | 3.93% (p58 of band) |
| Vehicles % of loans | 75% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 78% |
| Third-party paper % of net worth | 384% (p100 of band) |
| Vehicle delinquency | 1.88% (p78 of band) |
| Vehicle NCO | 0.71% (p84 of band) |
| Repossessed % of vehicle book | 0.18% (p94 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 93% |
| Certificates % of member funds | 5% |
| Average share balance | $3,065 |
| Participations bought / yr | $4.2M |
| Participations sold / yr | $0 |
| Participations outstanding | $3.1M |
| Loans outstanding per 100 members | 23% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $13,983 |
| Loans granted, annualized | $6.8M |

## Participation posture (from the same filings)

Bought $4.2M and sold $0 in the latest annualized quarter; $3.1M outstanding purchased (61.5% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 2.4% year over year.

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, capital below 7%, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 5 |  |  |
| 2017-06 | 6 | delinquency rising |  |
| 2017-09 | 5 |  | delinquency rising |
| 2017-12 | 7 | delinquency 2x band, delinquency rising |  |
| 2018-03 | 5 |  | delinquency 2x band, delinquency rising |
| 2018-06 | 7 | delinquency 2x band, assets shrinking |  |
| 2018-09 | 7 | losing money | delinquency 2x band |
| 2018-12 | 4 |  | capital below 7%, losing money |
| 2019-03 | 3 |  | assets shrinking |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 5 | margin squeeze |  |
| 2020-12 | 7 | capital below 7% |  |
| 2021-03 | 7 |  |  |
| 2021-06 | 6 |  | net worth falling |
| 2021-09 | 6 |  |  |
| 2021-12 | 5 |  | margin squeeze |
| 2022-03 | 6 | net worth falling |  |
| 2022-06 | 6 | delinquency rising | net worth falling |
| 2022-09 | 4 |  | capital below 7% |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | delinquency rising |
| 2023-06 | 4 | delinquency rising |  |
| 2023-09 | 4 | delinquency 2x band | delinquency rising |
| 2023-12 | 4 | delinquency rising | delinquency 2x band |
| 2024-03 | 4 | losing money | delinquency rising |
| 2024-06 | 3 | assets shrinking | thin capital, losing money |
| 2024-09 | 4 | losing money |  |
| 2024-12 | 3 |  | losing money |
| 2025-03 | 2 |  | assets shrinking |
| 2025-06 | 4 | delinquency 2x band, delinquency rising |  |
| 2025-09 | 3 |  | delinquency rising |
| 2025-12 | 4 | delinquency rising |  |
| 2026-03 | 5 | members leaving |  |

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

- 2026-07-22 [Josiah’s Compassion Project school supply drive collects for Vigo County students - WTHI-TV](https://news.google.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?oc=5) · WTHI-TV
- 2020-08-08 [Edward Anthony Mottel Obituary Aug 8, 2020 - Samaritan Affordable Funeral and Cremation Services](https://news.google.com/rss/articles/CBMiakFVX3lxTE9vWmUzczNlR2FYYkFQX3FDSlN0N3F3MGxNMjczeVhMWmdrRFFmZzB6eUptcHRVZlljNjFxVlFjVnRBdnNkMkpWQ3NNUlFmUUZTclMyZFItQ096dmExUWh2QUFzMkpMbjRveVE?oc=5) · Samaritan Affordable Funeral and Cremation Services
- 2017-11-07 [Elizabeth Roth Thornton Obituary Nov 7, 2017 - DeBaun Funeral Homes and Crematory](https://news.google.com/rss/articles/CBMickFVX3lxTE81OEs2Q2lCZjIwb0hXVTByUVVDblBVeTVScy14OFkxUkh1RGw5RDNlVUJJSkE2LUVpV3dJRXJvbGdBODdjZUZkNUdUcFh5eGppNFpCOFQ3VFhVV3kwdGE2eXB5OHhqQ3h3MDRHdThwX3ZLZw?oc=5) · DeBaun Funeral Homes and Crematory
- 2024-10-17 [Objection to Terre Haute hospital merger centers on controversial state law - Inside INdiana Business](https://news.google.com/rss/articles/CBMivwFBVV95cUxOLW1MUTJ0b21lRFU0ZlRTS3lyb0c2enVMSGplcW9xdmpQaFdBcE0tSXVOMzJiTHZLb0hqa21tSTkxY0prRm5JRjJpU2lpSTdPY0NueGFDZjJYWDdvUDBXQ3ptdkJvTklDYW9CZmw1Qmx6VHFobXgweDlJM0NCSnJnNmswcVZ3enN5YkdSV1RsTUt6WGJ3alFKT0dydDZ3aWZ2OU03T25DOGJpeWRZZC1HRDVYWXhJeVkwLVctbmtvMA?oc=5) · Inside INdiana Business
- 2012-09-14 [Police pursuing Vigo Federal Credit Union bank robber - Terre Haute Tribune-Star](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQZnZpbXFnVjg3WFpFUDRoRnpxdDBON19vUWlvRXhGWlpIUWlSVGRQdVp1ejNOVlYtdlVJY0FTUHVvRUhWS1lGVDEwXzhOazlWT0E1b2x5bEx2aGU2RWNVbmNDVFNlRDhWVWI4RDdRSVFrUEJJdFlVbU9Kcnc0RTRVR2FXUnp5OEYtaVJZZ0tJWjRoeWNYQ0IwWWJkTThEQ2NfSmp1VkxNUktNXzBlZGxheWU5bkFyeU40NHo3dkw5dW9QTzNWR25DXzVBZTRPR1o3SFo2T2JxeHlBWDJB?oc=5) · Terre Haute Tribune-Star
- 2026-04-24 [David Eugene Nicoson Obituary Jul 25, 2022 - Samaritan Affordable Funeral and Cremation Services](https://news.google.com/rss/articles/CBMiakFVX3lxTE9xbldjZ09EV1hkZ1U4ZXFHSml4LW8tTlM5b05XUUxoV19hN3NpelVzaDRhQUFXaUxxeU5SaEJiNzY5ZUtBRWNONExXUDFZTThzbEFBMDhjVkJaSlQxc1RDQm4zdXhJa2ZPeGc?oc=5) · Samaritan Affordable Funeral and Cremation Services
- 2025-05-09 [ISU Credit Union awards scholarships - Terre Haute Tribune-Star](https://news.google.com/rss/articles/CBMizAFBVV95cUxPWGZTdkdUcS12cjlDc0xvMVZxektNaUhNeVNCNmNSbGw4NmJ4SkxNM0Vhc2I4aWxXdlFQWUhMY1JRNURXRmZOUkU0amxPa1Jlc3lQZ0NnektZZHVzUXowQ1J3ZUxSZUhTTVR0VnpfSkJPN3owT3E0R3hiakZqc2VaOGk0emZWbElCVFJVT2hFNG1FUUtmZkkzeS1yT3dyWDFyT1hCMGdNUGNIbWJvNmhzLTlKQy1OWXdKTVB2UF91czJKbHNiNG85YzJMLWo?oc=5) · Terre Haute Tribune-Star
- 2014-12-09 [Five Motor Carrier Inspectors Graduate from Academy - GreatNews.Life](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQdHlHZTcxNlRnaTlpN0t5cnN1b1RnZUctNV9WenM3SWFld0pianRSbl8wYkIwbHZNdVlQTmZnZXFpbmthVUFJcV84cjZNWmhvLWNvTUVyT183Q1FKR1RnMXphUGNfWUJJbVlNX1k0Z0l1MnItcHFON3ZZd2tZLWcwWlJjX3lVdHZ5TFNR?oc=5) · GreatNews.Life

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=138 (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/10.json (key "138", 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=138
- 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