# REGIONAL
Winfield, IN · NCUA charter 15072 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/regional-15072

Who the members are: federal charter, community charter, organized 1962, low-income designated. 26,768 members of 500,000 potential (5.3% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $184.3M |
| Members | 26,768 (5.3% YoY) |
| Full-time staff | 47 |
| Net worth | $24.2M |
| Net worth ratio | 13.1% (p68 of band) |
| ROA (annualized) | 0.20% (p18 of band) |
| Total delinquency | 0.98% (p72 of band) |
| Net charge-offs (annualized) | 0.56% (p71 of band) |
| Loans / shares | 78% (p67 of band) |
| Cash / assets | 8.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.03% (p73 of band) |
| Operating expense / assets | 4.22% (p69 of band) |
| Vehicles % of loans | 42% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 7% (p39 of band) |
| Vehicle delinquency | 0.72% (p58 of band) |
| Vehicle NCO | 0.15% (p25 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 29% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 2% |
| Average share balance | $3,652 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.9M |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $16,211 |
| Loans granted, annualized | $40.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.9M outstanding purchased (20.2% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -1.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

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

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

- 2026-03-27 [REGIONAL federal credit union announces Michael Peters as new President and CEO - CUInsight](https://news.google.com/rss/articles/CBMivAFBVV95cUxOckg3WUk0OV9nLTUxampDZ0lNa1lMNlVLVXhNMUFwSmh6V1ZkUHdBSjR2TklZZkpjdUdId2tFbmhjQ1JIYVJoZm10bS1yanRzVGNpSmpKVmIwZlNZMGhmWi1iZTdFd05WU1Njbm01YUVsbWFXVnNVWTRXVk1pbEttMll2UzdCUWFhMFhJUUd5bTljbmhveEp1cmozQWc5elJkQ1JYWXN0VVY3bzJVdEdxUHF0dXZfMmdJVHpZMQ?oc=5) · CUInsight
- 2026-01-29 [IMCU named ‘Best Regional Credit Union’ - The Hamilton County Reporter](https://news.google.com/rss/articles/CBMidEFVX3lxTE8wbzN1VzREYWNyUTFtOWhzQmdySUlhSGhVRk9jWXpZaDlkc0N4LTE0Mmx1NWo3LWNRQ0hLMDQta0pTTG5HekdnSjZBU2ZwV1MwaEh1OGdHeGc3U1U2RkFIV1oxTkxmRjdCb2pESE1LdG1Ec3Uz?oc=5) · The Hamilton County Reporter
- 2026-03-30 [Regional federal credit union selects Michael Peters as CEO - Inside INdiana Business](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNQzFYZ1Y3UjNJcXhzdkRSZGxpelVZb2tDYnZOSUZEenNWWDB0clM2QU5mV2Rib3phYVdQaDVlTHdoOUNxbEpQRzlLanNwdVJQOXZBTDhpU3pBbVlWWlpHOVEtUWhrQ3FxX1hZLWxBTTVqSTZzYU82YUNjbE1IM2NFdWt6ck1IcWZnQlFiOGxtYW1HSmtWaTZ1YXBnTDJ5dmtXQWpFUHRaQzA3QQ?oc=5) · Inside INdiana Business
- 2026-09-01 [Peak Credit Union Launches $500,000 Donation Match Challenge to Help Build Regional Pickleball Complex at Lane Community College - PR Newswire](https://news.google.com/rss/articles/CBMikAJBVV95cUxQQnBvRE5wUXctaHlpSlZPZzQxZmV2X2FBS3p1ODFVNFNhdFpGVEZzcnhxYnM5UmRyQjV4QmQtbFZzRFRMZ0daaUVNeV9QUUtsUUo0a0dBWjNSemNRN2s2N3BWY29HS2V5OVVrcUtzdDgzcDhlRWZEakp2MzY4dm1GSXN4V2FMQlRPbklRM3Jya25zMEFTcTl4d01qSnhiOUhuZDJkbDlXTTJacXgzOEdmWFJ3YlZkbkVPdk0tYWdlR3Y2OEJ2NXpHdm9KbjNHZ3JlWTVQaGNhR1dUTW9tdDgtbHZjZjYwRUd3Y0lrNmNuaDBMdm90ZnR5QUJ4WDE1ekk0bExLSzFaUFFXdHkzNGljUA?oc=5) · PR Newswire
- 2025-12-18 [California - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxOTGxlNEF4aW9OOVBlYVYxTjRYMDRvUHFnM3RSZjR0MWpGYi1MbXZHdU5RREhWalRxUENSYlZyQUQ0M1haYThOaWRZSHl5LWVselpYOUpBWmNnOHdaWWJxTXdiczhfc0hOcjFKZ1A1amtUT2k5UU0wRWd6Wk41aEJGOF9MOFBJZE5BeU51XzVyck1PUQ?oc=5) · Newsweek Rankings
- 2025-12-16 [Keesler Federal recognized on Newsweek’s list of Best Regional Credit Unions for third consecutive year - WLOX](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPOGR4Uldtejh2X1pkaW5RSHFsbmdUVnE3dGNDeGFQTDd4NTdUcl9SZW0yS2ZKdWk4S1NMQW5VVHF4STJMN0owQjBNUGdPVXdERWNuNzBLWEJsdG83TXdRX3pUZmVtSDJLSjZjUFlWVGw1VFA3WkVjdHlSemMyRENqdUpETFkydmxDOEVCaWlXczJQdFhldVIwc3QwaXA0NmFMUFNvSnVsYWZwTmxZVjJYWEFQMkRMdEkwV1dLVjg5ZFFZNVk?oc=5) · WLOX
- 2025-12-26 [Veridian Credit Union named among top regional banks - Eden Prairie Local News](https://news.google.com/rss/articles/CBMikgFBVV95cUxOUFAzRnJnalc0OVdfVUV2LU1GWVppYnZ4LVBBTUVKR1FRR0kybFc2VWlhamJMdXFJbWtYS3ZzRTFyRnZndE40dXp4SHNYT3dvaUF6Nm5Rcm1DV3JKQldTbVJZRGkyRTZUbEtFWkJXaHFZTHdBbTBNZ19ndV9tclRLQV9BWHUtZHd2bDBpd2pZYmVBdw?oc=5) · Eden Prairie Local News
- 2026-05-14 [CrossState, Metallicus Launch Pilot Program with 50 Credit Unions to Explore Stablecoins and Digital Financial Infrastructure - Newswire.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQZ1Z2a3NBMWd3Q2FSbXFPVEFzRmFMQURfRG1yTWRBVlZoMnhaQ3pRV2g1THJXUndMaHpNM2prMVFzVEFxS3ZJaHJPMVVYX2Z6aGtCdkkxeGdmc3N1V3poYjVzRndNUURKamRpV0tjUkhuQ0ZVamhNWXNreWFtMXlmZXdNU1J3c2gyMHJZT0Q0TUw2Tjk1c2hZazJULUtaN3N3X1pkYnIzeXZnZw?oc=5) · Newswire.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15072 (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/32.json (key "15072", 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=15072
- 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