# DIAMOND VALLEY
Evansville, IN · NCUA charter 14135 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/diamond-valley-14135

Who the members are: federal charter, community charter, organized 1961, low-income designated. 19,872 members of 150,000 potential (13.3% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $179.5M |
| Members | 19,872 (-10.3% YoY) |
| Full-time staff | 38 |
| Net worth | $23.0M |
| Net worth ratio | 12.8% (p64 of band) |
| ROA (annualized) | 1.21% (p78 of band) |
| Total delinquency | 0.86% (p67 of band) |
| Net charge-offs (annualized) | 0.77% (p83 of band) |
| Loans / shares | 42% (p10 of band) |
| Cash / assets | 54.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.87% (p62 of band) |
| Operating expense / assets | 4.20% (p69 of band) |
| Vehicles % of loans | 45% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 49% |
| Third-party paper % of net worth | 66% (p61 of band) |
| Vehicle delinquency | 1.33% (p81 of band) |
| Vehicle NCO | 1.21% (p79 of band) |
| Repossessed % of vehicle book | 0.49% (p95 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 19% |
| Average share balance | $4,687 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $10,591 |
| Loans granted, annualized | $19.2M |

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)
- **members leaving** (`shrink_members`)

## 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 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 1 |  | margin squeeze, net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | net worth falling, delinquency rising |  |
| 2022-06 | 3 | repo signal | net worth falling |
| 2022-09 | 4 | delinquency 2x band |  |
| 2022-12 | 2 |  | delinquency rising, delinquency 2x band |
| 2023-03 | 3 | delinquency rising, charge-offs p90 | repo signal |
| 2023-06 | 4 | assets shrinking |  |
| 2023-09 | 5 | delinquency 2x band, repo signal | delinquency rising |
| 2023-12 | 6 | delinquency rising |  |
| 2024-03 | 4 |  | charge-offs p90, assets shrinking |
| 2024-06 | 6 | charge-offs p90, loan book shrinking |  |
| 2024-09 | 6 |  |  |
| 2024-12 | 4 |  | 3rd-party paper>100% NW, delinquency rising |
| 2025-03 | 3 |  | delinquency 2x band |
| 2025-06 | 3 |  |  |
| 2025-09 | 1 |  | charge-offs p90, loan book shrinking |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | members leaving |  |

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

- 2025-10-01 [Former credit union employee accused of taking thousands from member accounts - 14 News](https://news.google.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?oc=5) · 14 News
- 2022-03-30 [Diamond Valley Federal Credit Union opening new branch - Eyewitness News (WEHT/WTVW)](https://news.google.com/rss/articles/CBMipwFBVV95cUxOWEthWEFPTUlpal9mV3NLT3d2bVZIdXhxVTRxUl9SNG5nMnlmS0NWenBoRmdGSVlveWlXT2J6WmFVc1lUYTNqZjFfZnNNc0VVMWIwdm43bnAwZ3BNQVVYYVB4OTRJcVR6TlA1VXg4SGpwTXJEbVFDa0FzUTk4SHMxX245cU40b0trQTF4b2c2Q01LcjF3QjJlVWZvYzVIUmJYc3NOTC1LUdIBrAFBVV95cUxNbE1ZbHVHd0VNcWRsSFh2cWdlMmV2d3Z3Y3RLeWU3Zno2TXlSWDFNbEVJT1ZBaUttb1JNVXVZMDBiRmJKNDVScUQwX3hRZ3JjWjVYYW9lZXFNOG85Mmw5cDhlOWFDOE4wcGl4d1NJNkhPanlqVjBqY2RhSVZzRmlCcWJaLW1NNDR5eVFlYjhFYlVVS3VtdVpZcHhOUW9zbjl4MVVKWERXU0t2ekZI?oc=5) · Eyewitness News (WEHT/WTVW)
- 2021-08-31 [Mary Patricia "Pat" Smead - View Obituary & Service Information - Pierre Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE9XLVhrM3UyRE5pRmJqNUQxak84Qk1HdGFQQnJfamVKSURzWDhUODFwTzItcERVX2FhN0dUWl9NSFIyQ3RVZkhhaFpScVl2aHlLUnVhTXdlYnYzaU9xREFaUG13VGJzTDZ5WkE?oc=5) · Pierre Funeral Home
- 2015-06-30 [Former bank branch manager accused of stealing more than $70K - 14 News](https://news.google.com/rss/articles/CBMioAFBVV95cUxOeXI4SGI5NlVZOVA5bG9VRTAyUlZtQkNXVjFNcXh0bnRYeDFwRXVMODFtenliaVpxVkY4QTl2enJuclVwME9TajdpTWQzVERrQWVGMk5sNmJCaWZxdEhkUEhUZ0xVSFhVMTA3eThZXzlVSV9zWE43c3ZpOW1PZ2x0UE5CM2ZUNVRQRzdqY3lDZzhKTS1FYWFmc19IYndwdlA40gGzAUFVX3lxTE1OWTlyT2tGdXdaSXdLbDBjekcyMXktY1lkVktsWnpTZW5UN2RkVzNsQ1NtMkJNd1RXa1hXVTNwWHhEdDFOTGNOTzhFWTgxNWhKRkNfdFdUaHhkUnJqQUhTUmlCUW1DSElBNW5ZYmJJNk56dnNyQ0R3MlhTaWJiMzlMYkpiQWphUl9BbDhBMVRCR1lwWS1LMXBsTm9RVVVZbEpTZlk2ODBRTUVxV2lFb2c2cjZz?oc=5) · 14 News
- 2024-09-29 [Richard Pease Obituary - Courier & Press](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9fbUFBNko5VjRFN1JLOVM4eXdtSk95U3EzNXZ1MHlRWW01SGplMHhZeVM1aV9DZTh1dFc0OS00cmJtTGQyRG5SczBMQzBDT0xZdjFsT1hZeGJ3VXoyVVhoOQ?oc=5) · Courier & Press
- 2020-05-04 [National Nurses Week Spotlight- Stephanie Bancroft - 99.5 WKDQ](https://news.google.com/rss/articles/CBMidkFVX3lxTE5IU20tRmpMNlpoX1FQR0J2UmZDM01ZV1U3VkdwTkFWcGd6VEUwU2lkVFpHZlduYVptTE1NaU9pTzRBWUlydGRiUVFwZGROcUN1ZnoyVzdQbENLalk0azZaZjd4dTdhU19CQzNZTmdfOUhaOEJFalE?oc=5) · 99.5 WKDQ
- 2020-05-06 [National Nurses Week Spotlight- Cassie Ezell - 99.5 WKDQ](https://news.google.com/rss/articles/CBMibkFVX3lxTE42WXBhblZQTXl5NlgyWlZGVTFQQVhEU0JjM0R4QXpaOTBTdDEtdW1HdWZPaVdOcDF2TDh1Q1ozTVdnN1ZZX0x3OVBpOXlzdUMtMmxfbzdjbXByX0MxNjQ0Nlh5ZXo1LWdEa3l1UUl3?oc=5) · 99.5 WKDQ
- 2020-05-07 [National Nurses Week Spotlight- Heather Lawson - 99.5 WKDQ](https://news.google.com/rss/articles/CBMicEFVX3lxTE4tdVpoTTM4b09jSDVLZjNEOTRCNTlmaHBGRFAxaW90VGhGUjAzWWQtOWpZTmpyVHF6VG1ieGxxM2o1ZktmclM2N1k0T3poSVdNVU9BRHNzQXpITnh2QlR2NmdFNEg2UUEwaG94WTFGUXo?oc=5) · 99.5 WKDQ

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14135 (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/55.json (key "14135", 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=14135
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide