# WAYNE COUNTY
Richmond, IN · NCUA charter 14449 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/wayne-county-14449

Who the members are: federal charter, community charter, organized 1961. 1,081 members of 66,553 potential (1.6% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *auto monoline*. 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 | $13.1M |
| Members | 1,081 (-0.3% YoY) |
| Full-time staff | 4 |
| Net worth | $1.9M |
| Net worth ratio | 14.4% (p47 of band) |
| ROA (annualized) | 0.54% (p49 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 43% (p28 of band) |
| Cash / assets | 31.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.98% (p54 of band) |
| Operating expense / assets | 3.91% (p58 of band) |
| Vehicles % of loans | 67% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 7% |
| Third-party paper % of net worth | 24% (p92 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 16% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $5,939 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $223,045 |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $7,920 |
| Loans granted, annualized | $1.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $223,045 outstanding purchased (11.8% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -3.5% year over year.

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | delinquency rising |  |
| 2017-12 | 2 |  | thin capital |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 4 | assets shrinking, 3rd-party paper>100% NW, auto monoline | delinquency rising |
| 2018-12 | 3 |  | assets shrinking |
| 2019-03 | 4 | delinquency rising |  |
| 2019-06 | 3 |  | 3rd-party paper>100% NW |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 2 | assets shrinking | auto monoline |
| 2020-03 | 3 | auto monoline |  |
| 2020-06 | 3 | net worth falling, loan book shrinking | assets shrinking, auto monoline |
| 2020-09 | 4 | margin squeeze |  |
| 2020-12 | 5 | delinquency rising |  |
| 2021-03 | 5 | thin capital | delinquency rising |
| 2021-06 | 4 | delinquency rising | members leaving, net worth falling |
| 2021-09 | 2 |  | loan book shrinking, delinquency rising |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | members leaving | margin squeeze |
| 2022-06 | 4 | net worth falling, losing money |  |
| 2022-09 | 5 | delinquency rising |  |
| 2022-12 | 3 |  | net worth falling, losing money |
| 2023-03 | 3 | 3rd-party paper>100% NW, auto monoline | thin capital, members leaving |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 5 | delinquency rising, members leaving |  |
| 2024-03 | 3 |  | 3rd-party paper>100% NW, delinquency rising |
| 2024-06 | 4 | delinquency rising |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 2 |  | assets shrinking, delinquency rising |
| 2025-03 | 2 | delinquency rising | members leaving |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 2 | assets shrinking |  |
| 2025-12 | 3 | delinquency rising |  |
| 2026-03 | 2 | margin squeeze | assets shrinking, delinquency rising |

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

- 2026-09-03 [ESL commits $2M to planned regional wellness hub in Wayne County - Rochester Business Journal](https://news.google.com/rss/articles/CBMijgFBVV95cUxNNnVzX08wakpFSFVVOG84RU50LUUxYUJSbUlyRk5TQndrZmc4b2pVbTJrSVo2bjVFYXJVUXFZV2VGUGw2eS1mbmFlakdCRjVYZ1RJZjZpWl9CRUlkT1pvUzdCNDB0cHBWSHNXMHhVdUVfNUFEaVZzSDJxalhTRkxlOEREX3FPR1NtYUJWeDlR?oc=5) · Rochester Business Journal
- 2026-04-09 [Credit union to leave city building - Western Wayne News](https://news.google.com/rss/articles/CBMic0FVX3lxTFBKRWt1c2JGbXQzM3ZLQzVzUHo4aEJKZjZrbFgtbkx6RjBoSjlraU80eURoOHU1Q2FHVVBncWVpMTFKNTJYcFZ1clhpMmFKZXdBbzVrWTdxYUt0VEpldzdJb1dVam5vcElLdDhmOE9DVElySzQ?oc=5) · Western Wayne News
- 2026-07-15 [Dudley Man Charged with Eight Counts of Obtaining Property by False Pretense in SECU Fraud Investigation - goldsborodailynews.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOUVZqM0hWYkUwVVNMY0ZaalNaSWFVb0dlTXFfS05XSmgwNzJELUU1Y0E2cFNpRUozZ2tqcHhYVUIxem1RVzE0dk9rRmNvdWJtcTVTTmhlMWNXaHlBMlp5NFh6WXRTaFZqMWNFWjlaWmZWdGtiRGpnNktuRGVTWG1QaG1oYmtITTNQQ09IM09tcnBCZHF3em5ma3ZMYVJqQzRQUnJqNWRWaGRwbHB3SjAzVVFGUFp2S1h2RmU3a0xLVlNsbHljMFVidVZIMDVvSGJ6RXFnTUNYOXdMYXlRUkJITi1yMkx6dw?oc=5) · goldsborodailynews.com
- 2026-02-11 [Wayne County Airport Authority Has $750 Million in Airport Contracts for Contractors, Small Businesses - The Michigan Chronicle](https://news.google.com/rss/articles/CBMiywFBVV95cUxNVDhuVTdRVWtjYW1idE1xcE15Mi1LSlBNdDA2LXpiRHkzd3JmSE53MkU5dC1EV2x4M1IyWl9CS003QUdoLWh1V1lwVDI4ajF6Z3hKNFlIOTF6UnYzRnFEdU96b1BMbmV4RGVqU2NzNmM4eGk0TWJMY0RLRjE3dHA2X1Rtdm04clNIblJtUERYYzFnd3pCM1FpMGdxbUtERWdmLUduams5d3hfMXNDbU1uMEd3LVlraldWdE1RbHdTcVh1cFJyMHByWjd5WQ?oc=5) · The Michigan Chronicle
- 2026-03-10 [Elizabeth Misuraca-Jarrett Obituary - Grosse Pointe Woods, MI - Dignity Memorial](https://news.google.com/rss/articles/CBMiowFBVV95cUxNcHNwX2hJY1phdmQ0N085Z2pHSjdSYnJQZlJhVFlYTFZzLXJXYkNPOFRXSGdIT25wZUsyUmdPOEw0SVFoMEJFX01PX1hva3B4dXl4MHhQT1lXZ2hLdENuMXZXTnlNOHpSUUkyN3NoNjBCYmxXVHlLNGxwWm9idmxiOXhFbWhQb1g1ZHZIdDRfVXRxaUlkbzVxQnJwZU1mc0lOMnMw?oc=5) · Dignity Memorial
- 2020-06-07 [Greater Wayne Community Federal Credit Union opens branch in Doylestown - Wooster Daily Record](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOMmZaV1VpRlN4eUdmdUZHc0h6bkJsZEk0elJzcDhsRnF4R3JoeDJLR09XVzNPM2VDRnV5SW5XLXhnY0E0V3lIMEw0NU9kRUFRZEdmNkFTeW9aMl9waW5Cbk5kZGYtM2ZXXzFnMzVBSExiVXJVMkJLRmIxMHJCNF9Sc25fVTRQX0prZTFRdVppN3N3b1FuNEZQWTZmVG1hYVQ4QXAwVVBzVy1PZDBHTDFTTXhkeTJJdW1QaXByMmFwbXJ1cW1Ca3ZFNnY5d21vbVktLXhVY002SQ?oc=5) · Wooster Daily Record
- 2024-10-03 [Senator Pam Helming and Wayne County Community Schools Host Pathways to Prosperity Event in Newark - The New York State Senate (.gov)](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQT1RaZHYwMXl2c0J6eEl6MzE5TkFMXzlab2FOZHVTcGtNLU9IQmRDaU1kS3lNZU5kdFhKbzIzUTVfTVNzRDZCaHhUYXRXOHlsUjVaZXRxcnZEajBSbmVyQUNvakRwUUNraW1JZFJ0bXNfM2RrZGE0dWs2THMzMHI0NmhkS0l0bDhJYXNXcEpjb2ctNUo4Sk1ScFBSa2pVSXZ1M1ZjRV9uTU9ic2ZDOEJaRk40LVI4S3VobXVVeDJEMlk?oc=5) · The New York State Senate (.gov)
- 2017-12-09 [Police search for woman who robbed two banks in one day - WXYZ Channel 7](https://news.google.com/rss/articles/CBMiowFBVV95cUxNdmFKSmsyRlNiY2Iwek41NUNnSVdvVk5QdF9OQWlKWDNodHctM2kya1JwYm5QQUNNSHI2R1VvVFNfeHRiTmJ5YktBbnlEMXk4UlRVY2Z5UUJXV0wzZC0xXzd2TjlndnZVRENVdERqc24zQkJKcjBpUFJKVHlJczRTR3RVMXZXdTE3M0FVT1VBdzVVb0VWdmJ0cmVGR3VZNVdIOEJF?oc=5) · WXYZ Channel 7

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14449 (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/49.json (key "14449", 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=14449
- 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