# HUNTINGTON COUNTY
HUNTINGTON, IN · NCUA charter 16171 · asset band <$50M · latest filing 2022-12 · stopped filing after 2022-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/huntington-county-16171

Who the members are: federal charter, community charter, organized 1964, low-income designated. 673 members of 30,000 potential (2.2% of the field); checking penetration 31% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *too clean*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.6M |
| Members | 673 (-9.2% YoY) |
| Full-time staff | 2 |
| Net worth | $130,734 |
| Net worth ratio | 3.6% (p0 of band) |
| ROA (annualized) | -4.85% (p1 of band) |
| Total delinquency | 0.03% (p20 of band) |
| Net charge-offs (annualized) | -0.01% (p13 of band) |
| Loans / shares | 85% (p86 of band) |
| Cash / assets | 15.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.66% (p83 of band) |
| Operating expense / assets | 10.81% (p99 of band) |
| Vehicles % of loans | 77% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p42 of band) |
| Vehicle delinquency | 0.00% (p17 of band) |
| Vehicle NCO | 0.00% (p27 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 7% |
| Average share balance | $3,637 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 27% |
| Average loan balance | $8,137 |
| Loans granted, annualized | $2.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | delinquency rising, members leaving |  |
| 2017-06 | 2 |  | delinquency rising |
| 2017-09 | 3 | delinquency rising |  |
| 2017-12 | 4 | assets shrinking |  |
| 2018-03 | 2 |  | delinquency rising, assets shrinking |
| 2018-06 | 3 | delinquency rising, assets shrinking | members leaving |
| 2018-09 | 1 |  | delinquency rising, assets shrinking |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | expense trap, assets shrinking |  |
| 2019-06 | 3 | delinquency rising | assets shrinking |
| 2019-09 | 6 | losing money, assets shrinking, loan book shrinking |  |
| 2019-12 | 5 |  | delinquency rising |
| 2020-03 | 5 |  |  |
| 2020-06 | 5 | net worth falling | assets shrinking |
| 2020-09 | 6 | margin squeeze |  |
| 2020-12 | 5 |  | loan book shrinking |
| 2021-03 | 8 | thin capital, delinquency rising, members leaving |  |
| 2021-06 | 6 |  | delinquency rising, members leaving |
| 2021-09 | 5 |  | net worth falling |
| 2021-12 | 5 |  |  |
| 2022-03 | 6 | net worth falling, delinquency rising | margin squeeze |
| 2022-06 | 6 |  |  |
| 2022-09 | 9 | capital below 7%, members leaving |  |
| 2022-12 | 9 |  |  |

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

- 2026-08-25 [A Farewell to Ray - The Huntington County Tab](https://news.google.com/rss/articles/CBMifkFVX3lxTE9DZHZiVXdhaUdoV3pMOVVpSnBaT3U3dVp5aTJWNVhPSEtzMzB0cHJMOGlpekl6b09qdHgyU1BtU2p1YndqU1l1MWs4bEdPTklTalFWNUdtWkgtYkx5bW1neENRTWlNNGdITnpfU2s5WHVBaWVYUzNpMVhJVmotQQ?oc=5) · The Huntington County Tab
- 2026-09-01 [The Hotel LaFontaine - The Huntington County Tab](https://news.google.com/rss/articles/CBMiggFBVV95cUxNX3VZMGhueTVIZ0RrOTUxR2xVSTZDaDRCcHFHV1BjZFlra2lJYWJpSHM0RHlNdUkzSmN0ejRGcWk2MkxkSFdxaEVDQTk1WjFEOTZ2OThSTHlDb0lVS05IRkJSY1RORm9hZzhxVmVIZDVSS3RTTlhQeWVDOEtFa0xNVXRn?oc=5) · The Huntington County Tab
- 2024-03-18 [REPORT: Former HCCSC admin spent nearly $500k in school funds for personal use - WPTA | 21Alive | Fort Wayne, IN](https://news.google.com/rss/articles/CBMiywJBVV95cUxPUElsUVg0aDVPbWo5OXZhSnVZZ2tJNFJoSlJvRmk2WlRCeDNOdk9wN291Y1YwOXVWejdsMG13U3I1Nl9wZloxMFg5R2NoRmhPU0NHNmtQZUV5VUFGdlVEdWU2Rmo1MTRscG03dVlicXc1WW5JODRneVVfVm5tMWZNVFpaMGwtczg5S19waWxVN1lfb1FHbWVLbnZhWlFVWkNDcHR2c2xLd3VFWHBUR2tMY0UxMG1wSnBOcjFtMmtrWVN6X25xWDBqX1ZDMlNNbFR2VmNlMWRZa0ZMdWREOEJ3dUMxSUZjN0Y0Ylk5RWs2M3hhTGhXaFFyLXIwcU95MmFrakJOZ2Z0c1I0aFA2cEwtcHpOWG1JTnJ1aTNKbkVOeGZ0NEsySDRTVXpGdlhVdVpfS1hfQk9ZRFJIUU4wWkRLRldrdFZ3Z01HdVJJ?oc=5) · WPTA | 21Alive | Fort Wayne, IN
- 2025-10-16 [Patricia "Pat" A. Burnau - View Obituary & Service Information - Adkins Bailey-Love Mortuary](https://news.google.com/rss/articles/CBMif0FVX3lxTFBVd0Q4bFZsSEdHcDc2UXROMmxLTXJuazVhLTlkWGpvSE50ZVY2VTNLUTlHVThsa2J3TDY5Wjc2cC1ITmZGVjliR3BzTmQ2WF9ZTFE0UkVQZnNnVV94ZW9lOVhrY0E5c3hINnAtYS1iQVlGdnZ3a1hnT0xrbVdDX2c?oc=5) · Adkins Bailey-Love Mortuary
- 2022-08-14 [Obituary for Gabriel "Gabe" Scott Carson - McElhaney-Hart Funeral Home](https://news.google.com/rss/articles/CBMid0FVX3lxTE5fSDVQQ1V1Zm03Vy1NZl9BZ00yTU1qTExrNWFwYUpCeFctX1dvOXN5bUFLWkRZYW13YnFGN2lYN1VobWVvYjdrMjhmYTFSNXAzc2VqWGx1LW1ocWprMlFWZHR0VWstUVVHbjdCalR6VWcxd0d3cG9J?oc=5) · McElhaney-Hart Funeral Home
- 2026-03-24 [Learn to Steward Healthy Woodlands - InkFreeNews.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5SVVJnSWJ2SkkxS0dZelFuUHB6US1ZbEE3RzFPX1NFREQ3ZW1GMnJCYldJcHM1UHFPbFVrUUVPOUhnT3VMOGh4NTJfQ2dOSC1XT1FqMFVuVHpLMFc0Q09jQnAtUUM0YW9CcHptQ05PNzhkSTlQUVZpamxPaTF4S2c?oc=5) · InkFreeNews.com
- 2024-04-05 [Former Indiana Schools CFO Charged With Corruption, Theft - CFO.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNbjd4aERDYUFveXIwS0I5Um44Z3pVWWtTM1ZfTUNXdmZrb1FHeHNKbTZMa0VXLTduZHZmN0pqSWxRTDFzVlp0eW1VdVhseUdScFYxMTVhc3Q3M0JaY0dEY3RXemxRRUtfazlYZENTU1hfQlNSOV9QTXhoaXZ4VHM3c1JnQ3pPNEVtWUFmYnhQYXB1c2s?oc=5) · CFO.com
- 2019-07-10 [Julie Ann Heaston Obituary Jul 10, 2019 - Glancy Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9yZmg3WlFWVHJZNVhKZzljWHd1S0VRaVB0S1FNYVRMQWZsTTR6U1hkblgya0xfcVRuRnRmMEpjeTVGd19wSlJaSjUtTWRKdm9jbjNXaHFJSHBrMm1wYk10Q3BJSVphbkEx?oc=5) · Glancy Funeral Homes

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16171 (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/43.json (key "16171", 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=16171
- 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