# AUBURN UNIVERSITY
AUBURN, AL · NCUA charter 13867 · asset band $100-200M · latest filing 2018-12 · stopped filing after 2018-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/auburn-university-13867

Who the members are: federal charter, multiple common bond, organized 1960, low-income designated. 16,929 members of 27,756 potential (61.0% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $178.3M |
| Members | 16,929 (7.1% YoY) |
| Full-time staff | 28 |
| Net worth | $21.2M |
| Net worth ratio | 11.9% (p64 of band) |
| ROA (annualized) | 0.50% (p35 of band) |
| Total delinquency | 0.34% (p22 of band) |
| Net charge-offs (annualized) | 0.23% (p32 of band) |
| Loans / shares | 45% (p6 of band) |
| Cash / assets | 9.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.47% (p10 of band) |
| Operating expense / assets | 2.51% (p11 of band) |
| Vehicles % of loans | 33% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p18 of band) |
| Vehicle delinquency | 0.81% (p67 of band) |
| Vehicle NCO | 1.14% (p88 of band) |
| Repossessed % of vehicle book | 0.00% (p28 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 5% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 13% |
| Average share balance | $6,207 |
| Participations bought / yr | $2.4M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $11,722 |
| Loans granted, annualized | $21.0M |

## Flags firing in the latest filing

- none

## 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 | 1 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 1 | members leaving |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | members leaving |

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

- 2026-04-09 [25th Annual Auburn CityFest — Pirates of the Plains set for April 25 - City of Auburn News](https://news.google.com/rss/articles/CBMiXEFVX3lxTFBFMjdxYll3U1FncEpmMmZSNURtci1zSlZaS3l6Y2t2aGpDMk9QZGEzSlFnRnQ4ak9saTMxNmRKeFNBX1NkTGRHYi01OXotTUNENHVHanQ2N3NTSWlv?oc=5) · City of Auburn News
- 2026-04-11 [Sheila May Hayes Obituary Apr 11, 2026 - Evans Mortuary](https://news.google.com/rss/articles/CBMiY0FVX3lxTE12SGN6R1A3VU9WZ1hBUW5leVM2NzV1MFpFa1RkcWY3MlVKYmZjNEp0dE9IcEdobGd1VHhRdmxqeURXTnRGWWZ4M1p4ZXZrVllqZ19PLUF1OU5jTE5RRU9WV3M5cw?oc=5) · Evans Mortuary
- 2026-01-08 [Southern Energy Credit Union names 4 new vice presidents - HooverSun.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPVUhFLVppMUozNkZDNzZnZGhtWVljWjhrYWFBbURqcDk1aU9vcTZDQWpWa1Q4S0hiTWtBQXhBTGhLZUlOZmR3VnoySk1ON1pWemtjcTdzaGljOXNETFdGT1RQUFJ3dU1hLVZUZldoblliLWYzOU50VFgxSXRBby0tN0dKOTFEU3ZyT09CM0V1dzJBcURn0gGfAUFVX3lxTE90aERrTjkzdjBTMkhYOHRKMzJiekcwTWhrVFVFQU1KeFBOdmRwZXFodWhxT21Bdk5NR2poSFpiLXdvTkQtQUxfaXJLWkdRN1locjlaNGtPMktscEw3X25lRXQySUl6YU5meDhLZ3M2WkdVNjc3ZUhPMnZURTU5UXg4MzhiSlltckRzck1UYmJLaXRMZHZpeU5sYi0wUUlmbw?oc=5) · HooverSun.com
- 2026-04-10 [Alabama Extension Week highlights lifelong learning with events, webinars - Gulf Coast Media](https://news.google.com/rss/articles/CBMitAFBVV95cUxOV2g3SlBJRkJIXzVfQ29mVXllSGVLOEVTMHdPY1VETUQzOW9QUlJxUHFPbDBfSkhwVWMzVk1jTU0wVGRVQVJrd1ppWGxwM2xfZHNaTFZzTFdWcXNrSG9wUDZkWXVBdWQtUlRzd3ROeDNQYkxuN3RVODdiQkFoWU10Ykx0Nl92aDUyS0Uxd0lFeUtNTGdsWmRLempNSGhENURpSDdseWZJNm92RWlpYnJqSjRKV2o?oc=5) · Gulf Coast Media
- 2026-02-23 [Spotlight on Fayette, Lamar & Marion Counties: Movers & Shapers - Business Alabama Magazine](https://news.google.com/rss/articles/CBMijwFBVV95cUxObGJPTEd1YTRqV0FPdTd6UjJZT2lnRUM0dHVnRnRyQXA4OGxZZ01BclJpQnl2T0JsNG15SUdGbjVGc1Zza1QyaENPUHdlM0RTS2pWZWs5Q3VuNk5ILURwUUJaYnB6U2FVVlM1amJzT1pIQnFQOWJwS1dZbnNMLUxBY3J1LVRvaGM4VlpqUUpOQQ?oc=5) · Business Alabama Magazine
- 2025-12-16 [Santa Claus is back in Alabama: Where to take holiday photos now - The Bama Buzz](https://news.google.com/rss/articles/CBMikgFBVV95cUxQMTVURnFQQmIzN2FuSjNCb0ZwQlhQN1lNeUljQUZwekdYemtLS3I0S2JrSDBMcldlWmQtd1FNY2tmMTk1ZmhxMTNJclRpTjhhSEpOc2o3ejhSS3lrUVdFbDhNZERGY2c5N2JiN1IzYkl4Vi1RTVFSTkNkX2VYdkVRUkRWNzY5clhsemJ4TGp2SndpQQ?oc=5) · The Bama Buzz
- 2015-02-06 [Auburn University Federal Credit Union warns of phishing scam - WSFA](https://news.google.com/rss/articles/CBMinwFBVV95cUxPY3hsZ2hLY2V5NXVnbF9BdWJBd3FsYzNxdl83SGh0VmlQTFZEVE1Mc2VMTnF2V1VBeE1NQzlhZmVHTVRySERtN1kyMjFRNXdYVFluWWJTNE53VTl2OXl3QlFnQTA1dDVlRmVEdmtuTVBZeS05TzFtRGptRFpaVDVCNjFvc2VXdlJIaGtmZUFkVnppcVBhVFBsbmdRQmd5M0HSAbIBQVVfeXFMT3ZNV3JJa21OVUxFaXJDcEJuM2NVRi1ndTZnUnVsTngzMVZncXAwUDBoVFAzNXBLZzk4SUFiZ2NnSF9TLTd4cnhBQkU5bHNTWElZVnRDVGN4Ujg0RklJdW9iWW1LUThvaTh2RVZsSWF5V1ZPYXNSQUNtY2RxdDJaYnp1WF9xMW5iZWstWVljT0lodlVTc2tTcmtYZGFqNkJtNkMzeHVEcnFPUllkWDR1WGlydw?oc=5) · WSFA
- 2022-03-13 [MAX names Martin Head Chief Executive Officer and President - CUInsight](https://news.google.com/rss/articles/CBMiogFBVV95cUxOYVB2dUVOcm1QcEhNakM5anU5ZDlmRUotc3J1bFpwOVhJTHhNQTJKY1MtNFpfQUJiV1dzNWlkbWpiSzhUbUVvcFlDUVRxeVZxdWxoZGtEVi1Uby0yS05Cb3MxUHVsbVJQYnppSGRiU25NTkJoRDM4MlFqUWp1NDJuRlFzOEJyY0NsSjVhRFNHUWZfYXRteEdBNS1zX250TVgyTmc?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13867 (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/43.json (key "13867", 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=13867
- 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