# FINANCIAL BUILDERS
Kokomo, IN · NCUA charter 16213 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/financial-builders-16213

Who the members are: federal charter, community charter, organized 1964. 10,144 members of 253,000 potential (4.0% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $154.9M |
| Members | 10,144 (-2.2% YoY) |
| Full-time staff | 24 |
| Net worth | $18.6M |
| Net worth ratio | 12.0% (p54 of band) |
| ROA (annualized) | 1.11% (p75 of band) |
| Total delinquency | 0.78% (p62 of band) |
| Net charge-offs (annualized) | -0.05% (p3 of band) |
| Loans / shares | 70% (p50 of band) |
| Cash / assets | 23.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.68% (p50 of band) |
| Operating expense / assets | 4.14% (p66 of band) |
| Vehicles % of loans | 37% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 59% |
| Third-party paper % of net worth | 111% (p71 of band) |
| Vehicle delinquency | 1.45% (p84 of band) |
| Vehicle NCO | 0.47% (p47 of band) |
| Repossessed % of vehicle book | 0.28% (p90 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 25% |
| Average share balance | $6,504 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $17,600 |
| Loans granted, annualized | $27.3M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  | 3rd-party paper>100% NW |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | members leaving, loans>95% of shares |  |
| 2018-03 | 2 |  | loans>95% of shares |
| 2018-06 | 3 | delinquency rising |  |
| 2018-09 | 5 | repo signal, loans>95% of shares |  |
| 2018-12 | 4 | 3rd-party paper>100% NW | members leaving, repo signal |
| 2019-03 | 3 | losing money | delinquency rising, loans>95% of shares |
| 2019-06 | 3 | loans>95% of shares | losing money |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 | delinquency rising, repo signal | expense trap, loans>95% of shares |
| 2020-03 | 3 | net worth falling | repo signal |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 | margin squeeze, members leaving | delinquency rising, net worth falling |
| 2020-12 | 3 | repo signal | margin squeeze |
| 2021-03 | 4 | net worth falling, margin squeeze | repo signal |
| 2021-06 | 1 |  | 3rd-party paper>100% NW, net worth falling, margin squeeze |
| 2021-09 | 0 |  | members leaving |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | net worth falling, 3rd-party paper>100% NW |  |
| 2022-06 | 2 | delinquency rising | net worth falling |
| 2022-09 | 4 | delinquency 2x band, repo signal |  |
| 2022-12 | 1 |  | 3rd-party paper>100% NW, delinquency 2x band, repo signal |
| 2023-03 | 3 | repo signal, 3rd-party paper>100% NW |  |
| 2023-06 | 2 |  | repo signal |
| 2023-09 | 2 | repo signal | delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | repo signal |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | members leaving |  |
| 2024-12 | 3 | repo signal |  |
| 2025-03 | 3 | net worth falling | repo signal |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | repo signal |  |
| 2026-03 | 1 |  | members leaving, repo signal |

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

- 2026-03-17 [3 men arrested after allegedly robbing armored vehicle in Kokomo - WTHR](https://news.google.com/rss/articles/CBMiuwJBVV95cUxOeUZOVHlTZFNlWGcyMTQzUEN0b1ZDTHctVmNicExoZmg4MGFfcGRmLVF0RTJ4UTBzNGdVakxLbG1qZW5lQkIzTzBSMGhDQk1nUGxCQ1BCaWlIREhkdDE5YzZtVENhT0lQclR4OEd1OGNsMmlvUEJJOENLalhMbld6OF9MMjNzc3l1N0EwMHVzNEpWVXJpTDh6djNkdVhQQ3NZWm9kUkZuV25ZZ2swbm9JdGx4VHI1MndQM0VKSUdHRFYxRjROd0s4SUtmQzJHNFJvOTJ5cm54RC1IWmRXQ004YXRWd3BsMzJROGExSDBveU82c3JFUTRSbmJIT0J6Y2N5QmttU0N0LVM5dmY0WjFZeHpaaW15MXQ4NkxIMldNbndRYVZzWmdyMnpfcWxaLXlWTzVpcjFrcXVXSkU?oc=5) · WTHR
- 2025-06-17 [Kids College expands world for Marion middle schoolers - news.iu.edu](https://news.google.com/rss/articles/CBMikAFBVV95cUxOT016OF9oM0lMeDI2LWxCUzNrMmFUWDN5cGU2V3lfYTJ3VEhQT3JudVg3c3V6bUNRelpYYXRtY2xwbV9iQ2ZTYzlXamRYNDZnNjZWVlZobGQxSWp2bGdzUGMtV0xSQlhXMDdlVndsaWszdjJ0b0NpdGpSNVJwUzRoNmZqQzVMQ0FiNnR1X1Q0RzA?oc=5) · news.iu.edu
- 2019-05-20 [11 credit unions join AFG Balloon Lending Program - Auto Remarketing](https://news.google.com/rss/articles/CBMingFBVV95cUxQbFJEeF9ZcHg2MzZtUXFqZk1xUFhteWdXWHdTaU5tV3BYUEhOWTFvdWw2WV9IUzZ0cHpqQUttLU9MeFhicVhQMGt3WEF0UHhUNl94MGFEaFZWcThORkFMZWZMTjVodElUNGo0dUNWWW9aNEFkYWdya2RRZ0p6U1lva3JpUURSbjYzTkoxMzJJcGE5SXU3NmdHOTFVblZRUQ?oc=5) · Auto Remarketing
- 2015-05-18 [Jay Weir Obituary - Kokomo, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMieEFVX3lxTE1RZ1M2aHppY1ZqZmE3cVQ1MXNZcU1aMS04V09kaHIySnhGaUVSNjAtekthOVpQNXM2TlZPVUVKUTllSU9nM0V1ZDFHV19jTzJhZUJaYXdMY2dqUGR3cVdCWTk1ZXB2ZXd6d05RbW1DSHdCOHFxQ0I2NQ?oc=5) · Dignity Memorial
- 2012-08-17 [Michael Bruist Obituary (2012) - Kokomo, IN - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOZjVYUlllNVoxSGE4Y0MzYVQtbzlPdmltbDgxU1BpX0Npc3hRbTNCN0Fsc1Rvb1FGOXl4SFJhQTZDVTFNaWYwZXpGYl9pcDB4dW5iX3lINVNPamF0VVRma1lTYVQ3bzFkdUxtT3MyVDgwN3ZWV3BfU2wwU3JLYkJNUDVEZUlDQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16213 (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/21.json (key "16213", 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=16213
- 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