# FIRESTONE
Akron, OH · NCUA charter 14066 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/firestone-14066

Who the members are: federal charter, multiple common bond, organized 1960. 7,070 members of 19,000 potential (37.2% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 9.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $198.4M |
| Members | 7,070 (-4.9% YoY) |
| Full-time staff | 7 |
| Net worth | $35.2M |
| Net worth ratio | 17.8% (p93 of band) |
| ROA (annualized) | 0.85% (p60 of band) |
| Total delinquency | 1.22% (p81 of band) |
| Net charge-offs (annualized) | 0.00% (p6 of band) |
| Loans / shares | 15% (p1 of band) |
| Cash / assets | 16.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.49% (p0 of band) |
| Operating expense / assets | 0.64% (p0 of band) |
| Vehicles % of loans | 15% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.00% (p3 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 80% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 37% |
| Average share balance | $16,564 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 9% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $37,008 |
| Loans granted, annualized | $1.6M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 1 |  | delinquency 2x band |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2018-09 | 4 | assets shrinking |  |
| 2018-12 | 1 |  | members leaving, delinquency 2x band, delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | assets shrinking |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | members leaving |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 4 | delinquency 2x band, delinquency rising |  |
| 2020-09 | 4 | loan book shrinking | delinquency rising |
| 2020-12 | 5 | delinquency rising |  |
| 2021-03 | 4 | losing money | delinquency 2x band, delinquency rising |
| 2021-06 | 4 |  |  |
| 2021-09 | 5 | delinquency 2x band |  |
| 2021-12 | 3 |  | net worth falling, delinquency 2x band |
| 2022-03 | 4 | delinquency 2x band, delinquency rising | losing money |
| 2022-06 | 3 |  | loan book shrinking |
| 2022-09 | 1 |  | delinquency 2x band, delinquency rising |
| 2022-12 | 3 | delinquency rising, assets shrinking |  |
| 2023-03 | 4 | losing money, delinquency 2x band | delinquency rising |
| 2023-06 | 3 |  | delinquency 2x band |
| 2023-09 | 4 | margin squeeze |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 5 | net worth falling, delinquency rising | margin squeeze |
| 2024-09 | 4 |  | assets shrinking |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 | loan book shrinking | net worth falling, delinquency rising |
| 2025-06 | 3 |  |  |
| 2025-09 | 4 | delinquency 2x band |  |
| 2025-12 | 5 | assets shrinking |  |
| 2026-03 | 4 | delinquency rising | losing money, delinquency 2x band |

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

- 2026-03-17 [Two chambers, one mission: Celebrating achievements at Harvey Awards - WKBN.com](https://news.google.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?oc=5) · WKBN.com
- 2025-10-22 [Mark your calendars! On June 27 Cosmic Baseball is coming to Akron! - MLB.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPR2o1NXVnYjBmVEJLR015VmhOanQ0VXRsS1ZmX0hRV21GbGxzbnNONUtkdWI5TFU1LVlyNjU5UXhKaVNUZVdMRl9pajRlN0p0ZVZHeGd6ZFFKWmpPZ0luSVdzeVZQMnlsMThZMW5nd25jRWJFX2N1VmlvSHhsMUFtNFhrTQ?oc=5) · MLB.com
- 2026-05-06 [3 things to know about Akron City Series sports this week - Akron Beacon Journal](https://news.google.com/rss/articles/CBMi0gFBVV95cUxONDFxZ0pybWtrcWRIcl9kdHd4WVB6VTdZS3BFYktmTUdoZWJfVmZYWFZsdTFQMF9YZ1JQQ1B1U1pWcXNTQ0x3OVRXWHRMdGoyWXNWWjE1SWpqdzdSQXl4S3praTE4aHprMk1SWTR0X0ZXX2dtTDNvZ2Vxc0U4ZEdZWlZvUHAtUk5hRGdYS2JXT1E0bEpQOC15NlBqcFN0UUR1dGx3bnBzdGFXYk5vUGNuOFVmc3JIUXljaDNhYlRVSkdKNVBrR1NtZmlqZEZDRVBDSnc?oc=5) · Akron Beacon Journal
- 2025-12-26 [Richard (Rick) Kent Hager Obituary (2025) - Stow, OH - Redmon Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOWDhlb2pDbWhlOHJ1Um13V1dDUEwxbDIxMG51amVOWjRyc3pXZEEyazVRVXMtbVQtWXZweTVWNzRBaW9JRTVCQ2d1NUFYV2dPRFJMbnpKNmhlcXBXbE81eUZzMVY1M2VTRWZMWmtfS2M5OTdteHJFdndSbU9na000UlQ1WnF5OEto?oc=5) · Legacy obituary
- 2026-04-07 [717 Credit Union Opens New Branch in Akron - Business Journal Daily](https://news.google.com/rss/articles/CBMiggFBVV95cUxQWXJDVVl6U3FsV192ekJsMjZ2UmJYS2otd1M5a2IyLW93dFZzUGtWeWUxeTlOeG5iNTZQWWNLZXBBZl9saHFCT1RCLUxDeERlOFkxT0pwSXFKLVdTcDVVM1NzRzJTbWR4aGJjQU50d2daRnZlOF9sZENJRV9FZF82anF3?oc=5) · Business Journal Daily
- 2024-07-27 [Jill Marie Thomas (Barbone) Obituary Nov 24, 2011 - Newcomer Akron](https://news.google.com/rss/articles/CBMidEFVX3lxTE1zTS1TZzFJQjlUaEp2OG5Ud2JzNENPelFRQWVXaW5OdXJYeGlaREt2VEZUa1kwRDhVMXJKbmJEZTZPdkN3b05MX3VjM2l4YlZsWjF3bGo3XzVwZDdGb3RLdHo0REtnUTcwNVkyWTg5aENjVnZO?oc=5) · Newcomer Akron
- 2025-06-05 [7 17 Credit Union Steps Up to the Plate as Official Credit Union of the Akron RubberDucks - MLB.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQNGJDdWJGcmo3UmUxaDJnNlVHZXpEN0lxRHg5dzhtdHJpMFBrak1RdUhRV05icmV1UjdFXzJJMUVReVdUM2I1a3h4Wk5fbXJDbGxGYXJPaWoyYUtOd3hLZkhnOHQ0bTJNV1ZpZzk3b3RMd1FIM3FBclp0UXp4bjNyZkJwcHFmeXJBUTZwcTZwUnNzSmVyTGl4RGFIR05jOTFScENWU0VjQQ?oc=5) · MLB.com
- 2025-09-05 [Kemba Financial to open Delaware location - Delaware Gazette](https://news.google.com/rss/articles/CBMihwFBVV95cUxPS0h2T0pLNWtWNjQzbmxXS2hveW1LdFZiTnlIOVphSTY4YkR3SlU3aVRrQ3BEZU84WU9uY1JWLV9pMXB0MGsxYnBGekVGM2k0WnNvU0tRX3dJNkZIdmpjV3U1RVp3ZGhWVF9jUEhBQmVxam84Rk1vTXRpNUh2NklCc05icHFsanM?oc=5) · Delaware Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14066 (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/50.json (key "14066", 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=14066
- 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