# CLASSIC
AMELIA, OH · NCUA charter 15768 · asset band <$50M · latest filing 2018-03 · stopped filing after 2018-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/classic-15768

Who the members are: federal charter, community charter, organized 1963, low-income designated. 5,391 members of 242,000 potential (2.2% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 48.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $40.9M |
| Members | 5,391 (-16.3% YoY) |
| Full-time staff | 12 |
| Net worth | $2.4M |
| Net worth ratio | 6.0% (p1 of band) |
| ROA (annualized) | 1.89% (p97 of band) |
| Total delinquency | 0.73% (p50 of band) |
| Net charge-offs (annualized) | 1.94% (p92 of band) |
| Loans / shares | 54% (p48 of band) |
| Cash / assets | 17.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.69% (p89 of band) |
| Operating expense / assets | 4.38% (p75 of band) |
| Vehicles % of loans | 34% (p25 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 9% |
| Third-party paper % of net worth | 25% (p93 of band) |
| Vehicle delinquency | 1.89% (p80 of band) |
| Vehicle NCO | 6.72% (p99 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 29% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 11% |
| Average share balance | $4,054 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $7,951 |
| Loans granted, annualized | $4.3M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, expense trap, charge-offs p90 |  |
| 2016-06 | 4 | thin capital, delinquency 2x band | charge-offs p90 |
| 2016-09 | 5 | net worth falling |  |
| 2016-12 | 7 | capital below 7%, charge-offs p90 | delinquency 2x band |
| 2017-03 | 3 |  | losing money, expense trap, net worth falling, charge-offs p90 |
| 2017-06 | 4 | loan book shrinking |  |
| 2017-09 | 6 | assets shrinking, members leaving |  |
| 2017-12 | 8 | margin squeeze, delinquency rising, charge-offs p90 | assets shrinking |
| 2018-03 | 7 |  | margin squeeze |

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

- 2026-03-28 [JAKE'S TAKE 47th NJ Classic raises record $26,743 ... Thank you! - Mansfield News Journal](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQYy1NLThEQjh3YmVwUzUwMEFnelZlN0h5SXgxYUpSYXJCTVduZDR2Rnp5TXh6Q1g1YUFpRnk2Vl95NW9HaU5RVXJTYXFsckZ1M2RrN2xnRkZxaUItNXNGcnI3TWltcm5fS2Q0eld5aDYzZmRrS2R4dGwzQ1lmVlVJc3hmTW5XRk1lWkRaZmRrc3dXR3JwODBnYldGd01OSkVtU2Q1Z0lMUm1RbmFsMi1HM1AzMDR1Wk02NjNQS2dObkN0SkkzYWFxVjRXZ0Q5dS13Nnpkb0FTdFVaZw?oc=5) · Mansfield News Journal
- 2026-02-05 [Upstate Softball opens the 2026 season hosting the Founders Classic at Cyrill Stadium - upstatespartans.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxNXzJpSFltWHFjWDBZYm90SGZRbWY3ZTgzOC1XaUNIU0t3bm01eHpwbURYLVNDMjhBNEJ1bUxLWWtrc3p3THRhRDk4dnNTMS1JN1hHWlVUWnZTWXk4TTE1eU95dFRTWUFzcnpOS1hhQTVPaG5hNnYzNDFiazlJQTRZRGFMX3cxN2QtUWI2cEN5THdUeE92bkFWLUhhSjBqQXNGMDRoT3JIOENtdkxFT1F2QWFyQ3NjVzBmTHlVM1drUGRIMG9YWnc?oc=5) · upstatespartans.com
- 2026-08-25 [Koe Wetzel Covers ’90s Country Classic “Dust On The Bottle” During Headlining Show At Allen County Fair In Ohio - Whiskey Riff](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQbFJ2aUhpTko0NXFTYWJhamJLMTBUYXVpN2Vkd0V4Q2pyWDR2ODhTcE44LVY3SUxpd3ZBV0h2SGVvS2c5czhGajlicTd3c3BMTnRQeENnQi1VTk9hTTdJX3l1eUtDam5PUnpBRlRVaDQ3cVBDam5VeWYtR0VxcThtaXE3TWVidS03MkFodlFzZGZzOEJqZDE4cGd6N2pwU0FMZzh4SDJBSGhBUzZDcWRzQ01EaGhGX3IxRUg0NGlwemNVTDVnUDdLSmpPSktJX1ZrOG1KMHdyeHdsUkRyblBFYmxB?oc=5) · Whiskey Riff
- 2025-09-20 [UNI volleyball sweeps Green Bay for Capital Credit Union Classic title - UNI Athletics](https://news.google.com/rss/articles/CBMixgFBVV95cUxOTWFFcEo1RWNRTlJGN2l4Qmd5MWdjdnF0UnpjLW1FcDFZVkRnd0thZ055cTBBQzEwUGhUT0pRb0dERU1va2ZVX0FoNV9XSEpQMzZVZ0Q4ck1OclczY0tWRjRfN2hDUWYxb2F6N3VFRzRLejBjNV9LSE52R1ZjSUlQSm5lTzI5ellMd1Y3M0U3dWd2Y3VJMG04NVNSNFRNc0kzeTZzVGROb1RRZkE3LU5VbnMtekZPTXFGX004c0pvVjBqa3RhM3c?oc=5) · UNI Athletics
- 2026-01-09 [Scouting the boys basketball teams, matchups at inaugural MLK Classic - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMilgJBVV95cUxOcVh3YWpJd3pITHlQUklOeE03MUNicnN3c05ISFFXTHdqUTJFQ3IxSVRyMjFqUHE0Y0NCMFpDSGtROGdXZG84ak93eEJfRFYyLWROUFVFZ3FTSHMxUG9EYjdCc1VWQmphWkpKVXJIWlRTeDBoTTdLV2NOTEFiZzhOdGQwY1VkVFRVZm1aRl9xY2FtOEo0UVhZNEdFaGNXanMyOFhkS0FzQmlWSjR6ZDd4RDdwdVhuTUhTR0ZlWHJyUHVaT0MxeEl0SkxjTk12UVcwNUwzaVhTLVdIV3RNTW9QMExlQXlZWU9LdFE1Yy1iNjNqdDM2dnpicWd0M182VHJtYUlvVFhHWW1YRk5mVTdxV2w5OVdZZw?oc=5) · Cincinnati Enquirer
- 2025-12-19 [Live Updates from Day 2 of the City of Palms Classic - Sports Illustrated](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNSmMxWmpROWljRFZDLWNQZ01vU0pIVmtiNFF5LVphVzRycFhBV3lEZ3RLRG5HcGNJcEtZUmlQc3N0T1FCNlBpR21zYWxiOTYtSVU2NEdreG1XbE1XcVFhTkUxQWhhYm5obzhnc0ZaYmE2bEdFblRROWhac0xCRlU4OGlmdHdCbElocDVkeTBqaF9hamdJTkpWeUFvZDNaenZleUhoWE9sZXNIeFFaOW44VjljaXZmUWJLeWFfWFdrTnF4bjAya0JsMjRVV3EwLVJmOHVUQzJrd3pyZDZiQ2tub09DWnVIQTQ?oc=5) · Sports Illustrated
- 2026-02-03 [Staind Announce 2026 Tour Celebrating Classic Album With 3 Special Guests - Loudwire](https://news.google.com/rss/articles/CBMia0FVX3lxTFBRbHU2cWZQMjZMUkdpQ3N1cC1yOWFXcl9KM2Q1ZWNqYWg4Y0dxQV9pdFFUellmbGJfTTlnaW1mY3JWV1Boc0tkYkRBOFNsQmhtdEZxRXFaRFVYSk1BMG5kVktvNlBIbzZkd3Vv?oc=5) · Loudwire
- 2026-02-23 [Classic rock band adds 2 Upstate NY concerts to 2026 tour dates - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15768 (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/24.json (key "15768", 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=15768
- 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