# STARK
canton, OH · NCUA charter 14120 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/stark-14120

Who the members are: federal charter, community charter, organized 1961, low-income designated. 15,853 members of 1,310,000 potential (1.2% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $216.1M |
| Members | 15,853 (-2.4% YoY) |
| Full-time staff | 31 |
| Net worth | $27.7M |
| Net worth ratio | 12.8% (p70 of band) |
| ROA (annualized) | 0.62% (p44 of band) |
| Total delinquency | 0.57% (p47 of band) |
| Net charge-offs (annualized) | 0.55% (p68 of band) |
| Loans / shares | 65% (p31 of band) |
| Cash / assets | 31.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.51% (p47 of band) |
| Operating expense / assets | 2.58% (p15 of band) |
| Vehicles % of loans | 60% (p91 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 66% |
| Third-party paper % of net worth | 185% (p78 of band) |
| Vehicle delinquency | 0.52% (p48 of band) |
| Vehicle NCO | 0.63% (p51 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 23% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 37% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 20% |
| Average share balance | $6,840 |
| Participations bought / yr | $1.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $13.7M |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $12,302 |
| Loans granted, annualized | $55.4M |

## Participation posture (from the same filings)

Bought $1.5M and sold $0 in the latest annualized quarter; $13.7M outstanding purchased (49.6% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 7.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2018-09 | 2 | assets shrinking | delinquency 2x band, delinquency rising |
| 2018-12 | 2 | delinquency 2x band | assets shrinking |
| 2019-03 | 1 |  | delinquency 2x band |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 4 | net worth falling, margin squeeze, auto monoline | losing money |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 2 |  | auto monoline |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 2 | losing money |  |
| 2022-06 | 3 | net worth falling |  |
| 2022-09 | 2 |  | losing money |
| 2022-12 | 1 |  | net worth falling |
| 2023-03 | 2 | auto monoline |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | auto monoline |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | auto monoline |  |
| 2025-03 | 4 | net worth falling, delinquency rising |  |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 1 |  | auto monoline |
| 2026-03 | 3 | net worth falling, auto monoline |  |

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

- 2026-04-28 [Canton-area credit unions make case for continued federal funding - Canton Repository](https://news.google.com/rss/articles/CBMivAFBVV95cUxOaXBwc1dSQXNJMmhmOGtKUEp5c0JSU2tnckdZYXRZdndoVThpX01wYlhuVThvVGVuZS1YOFpCM0xDUHppMFQwQ1o0bURvbnU1SC1saTJPN1BiZk5ucDQ5eFN6clBzLW9VNDVhZ2haaWlSZEFIUlRwdmE3VVF4empFcVBvUlZJamZ2NHV4MTlWZmdDS2Q1WUQ1NTAxSURzNmc5QjI4bVAxYnFHbXFwVHJjNlVLTWhPdjFHVjFsRw?oc=5) · Canton Repository
- 2026-03-22 [Codey M. Garaux Obituary May 22, 2024 - Rossi Funeral Home | Canton, OH](https://news.google.com/rss/articles/CBMia0FVX3lxTFBpcHI5cUNsaEdzRUJjVzNlZHhkTnhDRWxRd1kxaUZLWWhhUXpwQmlqYmpvYnVKSWFOc3J0YUFPRF83UWJHTWE1SjNlNVoxZXQyYUJ2RUtVSGthX0FmQlRCeVp6aG1xX3E5Yzg4?oc=5) · Rossi Funeral Home | Canton, OH
- 2021-03-13 [Stark Federal Credit Union Teacher of the Month: Kelcey Mast, Alliance - Alliance Review](https://news.google.com/rss/articles/CBMivwFBVV95cUxNZFVfTURDZlF2UEdhNV91QnUxMjRrN2FkT21CUkJfNXk1N2xLLXBhTF9zSFN0TE80ZVhlbmxUbVg4RmNqSGNkUEZLSVNuR2N4V2NtYlFtTXBtV3hkRUV1RzNMb2NyRTNRWDVqNzQ0UzlqdC1ZYWFZTFNFREhaanAtSTdMRmxOeUs5M2NJM0I4WG5pSzhfT2JwVmRZOE1YZi1jZXNKbnlqZUk3dGVHYTJFODNhOUt4VVRSOUZBRW5aVQ?oc=5) · Alliance Review
- 2025-06-21 [717 Credit Union, Urban League Launch Affinity Credit Card - Business Journal Daily](https://news.google.com/rss/articles/CBMilgFBVV95cUxNYVBZc2gteldTaGkxYmlQTFFWclMxM0dQMEYxZWRxd3JNaThZMkhJNk5PbTRhZ0dibTAtTXNUNWVjUzFIWHFuT0dvV1VnSEtsTTh4ci02N3lVazFTRzMzcjh1NHJjSDlmaUNyYTJlSWdNdno0WXhKellWT2NKR0RhOFRodjEzMTFESHRCZU9mR21UMDlUTUE?oc=5) · Business Journal Daily
- 2026-07-13 [Former Stow mattress store will become 7 17 Credit Union branch - Akron Beacon Journal](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNN2xYUDQ4eklrQXJGYTdteDN1OFN0eXlIR2FCS2xDN1J0R045SndxY25WaDlHbG1HOVRFeTJDZHN3UUlQWmJfa1FmS1YtNXZhZXM3ZXpNbXpqU2VhRmFUZFlsdFpHRlRGeGZkYlFkRDZZVHpnaHJwZ3VGVnF5THc1N0lMRk9SSmNFbFcyMjFUQ29wY3lFUHdkTVdiVTVRVEdnQ18xcUVmY1BDeHdPWS1sVGJCTlpIVXF3WUdFblZWU3VLTUhMcjBaTmVmdlJVU2U0NTVZUVhnSHU3THhIX3c?oc=5) · Akron Beacon Journal
- 2011-05-26 [Stark Federal Credit Union celebrates 50 years of service - Canton Repository](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNOGdTb2M5TDI4ZW4xUUloYXFpMDRGOU4ybnctSTU3VnVVOXViaEtYczdrMU5vMWJQaHc1V0pZbGtRbmtWUW04X1JOdFlXdVE3SGtTemlrY0tZNmJYbUU2Y29IUFlUZDRZM04wbHlMN3hlbUM4XzJ0OWN0VVZRWHpWZ3p2dm1xOVhjRjhwSEM1Z18wSmtIUEEwV2dDWnhxY0lIcXlvLWVtUkNNOXF0RTJmbzdaN0FqYm1ycXVB?oc=5) · Canton Repository
- 2020-01-26 [United Way of Stark County offering free tax-filing service for residents - News 5 Cleveland WEWS](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOb042U0RtYUU2Tm9RejByRVRpVUR1YmdkdGxwWW55YzZnTzZaYzRIWGthR1g1OUZKb3hEUWlsdTJXVDNXWFJhMW9xTEZGZ0J6a0MwOEJHMG53VUJWUktDM01WOHJVVDR2SFAzVkRaVlFGcTdRMmVxdVItTnZxT2hQblAzYU9BU21wMWFYZTU2NTd3SjlMdEpqY2s2WmdUNlB5YUVZRWVEVmZBcUZ1aDUyRzBCY05TQTVHNHMtOUJ5SkE2YmhJa1B1QQ?oc=5) · News 5 Cleveland WEWS
- 2015-07-24 [Suspects sought in Jackson Twp. bank robbery - WKYC](https://news.google.com/rss/articles/CBMirgFBVV95cUxOY0pNZ0JGaEZiMVlVMGlJaE9DLWptc0NfZzRCODhESGRRbkg3VEZzU05iUHdTOXBTRno3XzR4SFJ5X193UU1RT1MxcW5zNms3Y3NpMDVGVUZrREJ6eUNnWGtwTGx2amNyX1A0SzBRcEY3MklTRlNvd2V6UTA3dFRXOXgyZ3VMMWRHSzV3V2FmZHZOTk9ISUZNaklPbEZuVUo4T01WWVJkZlEyNnI1V3c?oc=5) · WKYC

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14120 (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/40.json (key "14120", 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=14120
- 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