# FICARE
Wesley Chapel, FL · NCUA charter 13902 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ficare-13902

Who the members are: federal charter, service (single sponsor), organized 1960, low-income designated. 8,061 members of 1,050,000 potential (0.8% of the field); checking penetration 80% (share draft accounts per 100 members); loans per 100 members 132.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $81.1M |
| Members | 8,061 (-4.2% YoY) |
| Full-time staff | 27 |
| Net worth | $10.2M |
| Net worth ratio | 12.6% (p47 of band) |
| ROA (annualized) | 0.87% (p60 of band) |
| Total delinquency | 0.81% (p63 of band) |
| Net charge-offs (annualized) | 1.03% (p89 of band) |
| Loans / shares | 73% (p73 of band) |
| Cash / assets | 20.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.49% (p88 of band) |
| Operating expense / assets | 6.62% (p98 of band) |
| Vehicles % of loans | 60% (p77 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 21% (p69 of band) |
| Vehicle delinquency | 0.40% (p41 of band) |
| Vehicle NCO | 0.80% (p76 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 16% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 17% |
| Average share balance | $3,951 |
| Participations bought / yr | $996,832 |
| Participations sold / yr | $0 |
| Participations outstanding | $5.0M |
| Loans outstanding per 100 members | 132% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $4,758 |
| Loans granted, annualized | $25.0M |

## Participation posture (from the same filings)

Bought $996,832 and sold $0 in the latest annualized quarter; $5.0M outstanding purchased (48.7% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares -0.2% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **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 | 2 | charge-offs p90 |  |
| 2016-12 | 3 | losing money |  |
| 2017-03 | 4 | net worth falling, margin squeeze | charge-offs p90 |
| 2017-06 | 3 |  | net worth falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 | delinquency rising, members leaving | losing money, margin squeeze |
| 2018-03 | 2 | charge-offs p90 | delinquency rising, members leaving |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 2 | assets shrinking |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | delinquency rising |  |
| 2019-06 | 2 | expense trap | assets shrinking, delinquency rising |
| 2019-09 | 4 | losing money, delinquency rising |  |
| 2019-12 | 5 | net worth falling, charge-offs p90 | delinquency rising |
| 2020-03 | 3 |  | losing money, charge-offs p90 |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | delinquency rising |  |
| 2021-12 | 3 | net worth falling | delinquency rising |
| 2022-03 | 4 | charge-offs p90 |  |
| 2022-06 | 3 |  | charge-offs p90 |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 4 | charge-offs p90 |  |
| 2023-06 | 6 | assets shrinking, members leaving |  |
| 2023-09 | 2 |  | auto monoline, expense trap, assets shrinking, members leaving |
| 2023-12 | 3 | losing money, expense trap | delinquency rising |
| 2024-03 | 5 | delinquency rising, auto monoline |  |
| 2024-06 | 3 |  | losing money, delinquency rising |
| 2024-09 | 3 | assets shrinking, members leaving | charge-offs p90, auto monoline |
| 2024-12 | 4 | charge-offs p90 |  |
| 2025-03 | 3 | net worth falling | assets shrinking, charge-offs p90 |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | net worth falling |
| 2025-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2026-03 | 4 | auto monoline | delinquency 2x band |

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

- 2026-02-02 [Florida credit union sues Fiserv, alleging lax cybersecurity - Banking Dive](https://news.google.com/rss/articles/CBMisgFBVV95cUxONXZsWGZKN0toU1dZTEpMRHZkbGZ4Vk0xWW9fUjJ3LWZkUHdkWHY1RXRXNHVDZG16SlI2NkxPWno2Q1hFcFQtVktxMWZKeDhDQjdpX2h1Z2ZzZWlvZnZVTXJxUFEwMHlkWVZpQ2xRRGZXSWlsazFZeHh0TEdraW10bGtKZk9haGhUbERwUTk1bnUtWmxZUlhYNlNzajZDdmk5STZiZmxad0xrTVVQV2hrTDJn?oc=5) · Banking Dive
- 2026-01-28 [Credit union sues Fiserv saying it didn't secure online bank platform - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNRnhFZ0NjcFFCU1JqdXVhbDhMak1jMFJZWkVudnhQOTQtLWV0cXNQMkxseTM3N3lhNkN3T2J6WDAtdy1fdDd1bEtweFVWTTkwZTJKYVViS0h6ZWNJbzRVQzlRSEd1Q3FmNDRQOW5iZmVDeWRVTjNLeXpWUDEweFN6MllUc2FobERBcDJLcG1nWXdaRzVHTG5ZdzlXQmQxUkRfQVNCSmFYN1Rsb3FHYUZiWlV0M0F4NHNmZ3FsWE50bnhtUVV4YU9ENWtybm1udlJUeXI4VA?oc=5) · Milwaukee Journal Sentinel
- 2026-01-27 [FiCare FCU Sues Fiserv Over Alleged Security Failures, Mid-Contract Fee Hike - cutoday.info](https://news.google.com/rss/articles/CBMisgFBVV95cUxQUVhkV1NJYlh1U2ZrQzdxYjA2QmhTMHJoS1E0YTZEUGxPN3N0eUdESEZJT0VwN2huMXMxdk8wWVFOeFFoazBGQ2tDOXFRS1hYaXJfSDd5V1dtVGVKOTlkWVFTcUc5cU9QODZ1T2NiWlVKTTQ5Vk9SZF9USWVmWl9UY1pERE00OEZ5eXdMaVBjdVpIeWU3Y2VtRU10Mkg4cGZWU1k4YjVNZXM3Vm5RY2R2RlBR?oc=5) · cutoday.info
- 2021-02-08 [Charter expansion lets FiCare FCU reach all Florida health care workers - American Banker](https://news.google.com/rss/articles/CBMivAFBVV95cUxNSkNzZlRXZkotRHJacUtPSTZ2MWxBVEtxcWxTcWZqQXdsdFN4RDBmdTI1U20wVjJ0ZHJrVnlnOTZJX29udFROam9zR1hkWVA0UU5YTU5JU00weUdESV9oeldFRk1qTlFLeEE1NkpxRGtraENodUNfcWJ5SjVZY0VOX3QwYUJ3WnBaUGFJeHA0U2dxR1NJeFg0ZmU2RkxTWjg3amF0WExqNzNoMUs5SmNlSjh4aUNQVldhUWg4MQ?oc=5) · American Banker
- 2026-01-29 [Fiserv sued over alleged lax security - Payments Dive](https://news.google.com/rss/articles/CBMihgFBVV95cUxPMUFIaW1sMDZaTVp1MTkzRzFmekNXWmlLOHlvLURxaXJOWEdEakpFM0RVU2J0WEwtNjJ2dVdiNjRzRjMyRDlPcEVHaUk5dVllQ0duR21YSWVkRUdIeVk4emFmLXZ5ckRWNWlXZ3lXVXVMSE9ISHBCaThDbnljVVRVNFpCYTRGQQ?oc=5) · Payments Dive
- 2026-01-28 [Fiserv Uses Its Data Security Flaws For Upsells, Suit Says - Law360](https://news.google.com/rss/articles/CBMingFBVV95cUxOTWptMGh4NDFKNmFrTXV0RDN5WGxmbWdZNXJkSjFDN005X0lwQjdtTGt0djhETGwxLWxNQWh5eVQ4dmxvY2o1clFrS2NhX2pWTnRTWEd1V1cwVXdiUGttYmY4eXVjTVVjNFJNWHF6R2Qyc3FtRFZuZ1l5QmRRZGVHSnFCN0d3S3BjV09xUWMySWVxU1dWVVdHX2VKZTVPZ9IBVkFVX3lxTFBkOGNreGRmaXJHTmh6WVhua0hFRmRvNjVYc3FpcTZVRE0tTlhndDh2Y1dkaE14cXZVc0VpTHpic2Z4c2dKV2pPVnVCTEEzYUNjNmZ5Vjhn?oc=5) · Law360
- 2024-08-15 [Business Briefs — Rise Dispensary, FiCare & Laceleaf Med Spa Cut Chamber Ribbons! - neighborhoodnewsonline.net](https://news.google.com/rss/articles/CBMisAFBVV95cUxNVTBvb0NMZWhDeW9SVzNsZi1hams3VUZxSjlGMVBWbzIyNzZvX21GTDlQYzlaTkV5S1pZU2dMREZxZkQtMjQ5eEd3R2RBRW14LTRZejhlV1YyenFKS0dHOTFNRDJnVFlSM0JHYVNoR0pRQlpQMm5RaU1QUVRVOFZRN1g3UDAxcVJCMDNLZWtObzktWEs3c0NvR1RiaGdnX3BNX0tSd0lKYk5QaEtMejV6dw?oc=5) · neighborhoodnewsonline.net
- 2026-06-23 [Judge rules against Fiserv - Payments Dive](https://news.google.com/rss/articles/CBMid0FVX3lxTFBZUmM2ZE56Nm1BTkFBRG9Md2VCeTd4MVJWZmxZdVg0MGlsSVNkNVBKQWtKVEo3dk5VZ21ReWJEVExUU1BUM3JxUHN3c1N2cGRuaDE0eVpJNEpwbkxOcVkwR244QkxfOTJ6WEN0aEMtUU4wZmM3bG04?oc=5) · Payments Dive

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13902 (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/14.json (key "13902", 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=13902
- 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