# AMERICAN CHEMICAL SOCIETY
COLUMBUS, OH · NCUA charter 14418 · asset band <$50M · latest filing 2018-09 · stopped filing after 2018-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/american-chemical-society-14418

Who the members are: federal charter, manufacturing (single sponsor), organized 1961. 1,669 members of 6,500 potential (25.7% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *quiet fade*. 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 | $18.2M |
| Members | 1,669 (-3.6% YoY) |
| Full-time staff | 4 |
| Net worth | $1.9M |
| Net worth ratio | 10.7% (p31 of band) |
| ROA (annualized) | 0.12% (p25 of band) |
| Total delinquency | 0.20% (p24 of band) |
| Net charge-offs (annualized) | 0.61% (p73 of band) |
| Loans / shares | 50% (p36 of band) |
| Cash / assets | 10.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.10% (p45 of band) |
| Operating expense / assets | 3.41% (p50 of band) |
| Vehicles % of loans | 26% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.13% (p34 of band) |
| Vehicle NCO | 1.27% (p89 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 16% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 95% |
| Certificates % of member funds | 2% |
| Average share balance | $5,669 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $7,552 |
| Loans granted, annualized | $2.9M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 | delinquency rising | net worth falling |
| 2017-06 | 1 | members leaving | delinquency rising |
| 2017-09 | 4 | losing money, repo signal, assets shrinking |  |
| 2017-12 | 3 |  | losing money |
| 2018-03 | 2 |  | repo signal |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |

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

- 2025-10-30 [Norman C. "Skip" Stahl Obituary Oct 30, 2025 - Newcomer Columbus](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9IWHNBZmwxM2U5VmZsRkFKWlA0YlZuOGtvUkNIbjY1OHVDd1k1U0U1NWNNZnNGbGl0M2hkU1lUR1U3S09lYVQyeHp0ZXpxZ05Id2p4UlpaTU9HNGh0a1hDS3hZSEJHQUU?oc=5) · Newcomer Columbus
- 2021-11-08 [Robert J. Niedzielski Obituary Nov 8, 2021 - walkerfuneralhomes.com](https://news.google.com/rss/articles/CBMickFVX3lxTE5HcDJGV0Y3Mmg3QXN6MjBhbk1iM1VVRmFYNW1pOVJXeDNzaFNBWHdNWV9wdE5OWDRWVHhteTZ3TXdXOTNpWFRNZlhYdHZLWXJhV2dEQ2xNZEJwTXN1bEdYWklYLUNGOUY2d0h0WlozaThJdw?oc=5) · walkerfuneralhomes.com
- 2022-04-06 [Theresa Timmons Obituary - Columbus, OH - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxQeDlHRDhBel93NkVZWnVyNTdreEE5X3pPbU02bXVLNkNtQTM2QlNxQ1hiQnZab0duSFdqYkR0WThNUllDNzZHYTZ3THF5dU5WNkhSdU1yT0Q4NXc2dDdPMkJ0X1hkZ210R05ac1BKOWtDYk5KWXhRWlJzRXhKQXNoWXBnTVZIZw?oc=5) · Dignity Memorial
- 2024-04-05 [Alachua County Public School students earn awards at state science and engineering fair - WCJB](https://news.google.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?oc=5) · WCJB
- 2016-03-30 [Green Power Partnership 100% Green Power Users - U.S. Environmental Protection Agency (.gov)](https://news.google.com/rss/articles/CBMiggFBVV95cUxPXzhPeldWMndHcUh2MVVNV0dObkZ2TFpUU3c0Wm5uNzN3QVpzMnNORm1GSWZ4amE1TDloUHBZV3ZGUzFPcDBmMVVCSmE5ajMtMi1pQXlYbmIyMVBaTWV5U3JLazFtb2Jyd3dTZS10cHNuc1VOX25vQ0t4NmdUVmV1cnBB?oc=5) · U.S. Environmental Protection Agency (.gov)
- 2017-10-30 [Don Schalmo bringing new businesses into Canal Fulton - Canton Repository](https://news.google.com/rss/articles/CBMirgFBVV95cUxOZkpwOThmWm9HTTFJVG8waFdxUmtwejZaeVFSUGZFODQyY2JiT0FYLTZ0emY2R00waXFmN0lYdDhMTlJyelV4UlVYdDFacXloTkExdXZwWFI3em5NQ3pVTXVJWFNMVXRfUE9WSlB3UENoSm5KTFhmS2xrak5ieHJhUjl3LVZnRUVGWnZ6ZVNPLThRMUl1VGhHdmJFR0Vqb09LemVHcElZbnViNHdfZWc?oc=5) · Canton Repository
- 2026-02-17 [Ragan’s 2026 Employee Communications Awards finalists announced - PR Daily](https://news.google.com/rss/articles/CBMikAFBVV95cUxQemcySm5mZmUtdzB0N1ViR1ZHNml1SGRtWUVRamptUmJaV1lvVmx1UEFnRjc1T0ZvN0d0VkVWMy1ma1o1eU9iRkVtVTVkeUU1YTlWU1hqX0tHU2c2OFlkRVBuT0JjakhORGV6Wm0zWFVkbktmWndObExLZWtFZm52OWMyUVlpemFjNy1KY3lpcEU?oc=5) · PR Daily
- 1997-07-07 [OBITUARIES - The Washington Post](https://news.google.com/rss/articles/CBMipwFBVV95cUxQMUNmaTFTeU9MVFlvd2w0eTJwOVN4LXhqSWZaODl5dGtXRF9YdDY3V3MzSU9OZHdYLTlyODV5Z1hyY1NKeEpBc2hkMmR4dnp6QVk5TTlDWUJ4UDdZQXR6R2RYb2hvU1gtWnQzQjh2dmtyanNYMm94d3k2UG9UNWRSSllxcXJTYW5Bdzgzbkd1WUZsS2c2Y0dsZGktanRENjJqTUcyY1RSQQ?oc=5) · The Washington Post

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14418 (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/18.json (key "14418", 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=14418
- 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