# FOUR SEASONS
OPELIKA, AL · NCUA charter 16479 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/four-seasons-16479

Who the members are: federal charter, multiple common bond, organized 1964, low-income designated. 9,631 members of 166,300 potential (5.8% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 66.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $102.3M |
| Members | 9,631 (2.5% YoY) |
| Full-time staff | 30 |
| Net worth | $8.7M |
| Net worth ratio | 8.5% (p8 of band) |
| ROA (annualized) | 1.22% (p79 of band) |
| Total delinquency | 1.48% (p87 of band) |
| Net charge-offs (annualized) | 1.34% (p94 of band) |
| Loans / shares | 63% (p38 of band) |
| Cash / assets | 23.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.75% (p92 of band) |
| Operating expense / assets | 4.41% (p75 of band) |
| Vehicles % of loans | 67% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 1.79% (p88 of band) |
| Vehicle NCO | 1.39% (p83 of band) |
| Repossessed % of vehicle book | 0.30% (p90 of band) |
| Real estate % of loans | 11% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 21% |
| Average share balance | $5,361 |
| Participations bought / yr | $1.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $4.8M |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $9,161 |
| Loans granted, annualized | $27.8M |

## Participation posture (from the same filings)

Bought $1.0M and sold $0 in the latest annualized quarter; $4.8M outstanding purchased (55.1% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 5.8% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 1 |  | delinquency 2x band |
| 2017-03 | 3 | thin capital, charge-offs p90 |  |
| 2017-06 | 5 | net worth falling, losing money |  |
| 2017-09 | 1 |  | thin capital, charge-offs p90, net worth falling, losing money |
| 2017-12 | 1 |  |  |
| 2018-03 | 4 | thin capital, losing money, charge-offs p90 |  |
| 2018-06 | 5 | net worth falling |  |
| 2018-09 | 4 |  | net worth falling |
| 2018-12 | 2 |  | losing money, charge-offs p90 |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 2 |  |  |
| 2020-03 | 6 | net worth falling, losing money, delinquency rising, charge-offs p90 |  |
| 2020-06 | 8 | margin squeeze, delinquency 2x band |  |
| 2020-09 | 7 |  | net worth falling |
| 2020-12 | 7 | capital below 7% | delinquency rising, delinquency 2x band |
| 2021-03 | 6 | net worth falling, delinquency 2x band | expense trap, losing money, charge-offs p90 |
| 2021-06 | 4 |  | net worth falling, delinquency 2x band |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 | auto monoline | margin squeeze |
| 2022-03 | 5 | delinquency 2x band |  |
| 2022-06 | 2 |  | capital below 7%, delinquency 2x band |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 4 | delinquency rising, charge-offs p90 |  |
| 2023-09 | 3 |  | charge-offs p90 |
| 2023-12 | 4 | delinquency 2x band, charge-offs p90 | auto monoline |
| 2024-03 | 6 | net worth falling, auto monoline |  |
| 2024-06 | 3 |  | delinquency rising, delinquency 2x band, net worth falling |
| 2024-09 | 5 | delinquency 2x band, delinquency rising |  |
| 2024-12 | 4 |  | delinquency rising |
| 2025-03 | 4 | losing money | delinquency 2x band |
| 2025-06 | 3 |  | losing money |
| 2025-09 | 4 | repo signal |  |
| 2025-12 | 3 |  | repo signal |
| 2026-03 | 5 | delinquency 2x band, delinquency rising |  |

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

- 2026-03-13 [Women’s Basketball Clinches Third America East Title in Last Four Seasons with 61-43 Victory Over Maine - University of Vermont Athletics](https://news.google.com/rss/articles/CBMi-AFBVV95cUxOM1lGT3Y5cW1NcmxLNy1mc3JuMDl3WC1BWTJFWUg1MXZhZjcxVzhaVWVXMW54UjBWSXMzdnFkZGtRblZfYURSM21GZk9xdk0xWFlUSjN6TC0tVHZNR3YzNDBNMEtnaExIWUFiQ3N0Sm9mRUktWWpJd0hYUnU1QnZLbXpSa08yaUFabDZQNlFHREg4UFF0U2FBM2xOZ2ZxNWg1dWsycGk2MjFlRHFHWnFrSmpuNmU0dkRWT2Z1anpRcUV1eTZHR011eEw5d1lFNjVvT3NMMFZycHl4TzVDOFE0c2FSelh0dGZTQXlnS2dkSUR2bG1WNnItOA?oc=5) · University of Vermont Athletics
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- 2026-08-21 [Fairwinds Credit Union - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxOT04yTTVScURjMk9kZTBSeGswLTMzaVhSTEJLMVBtbm51UFRNWUN1MlFpckVfb1ZvaWRoQW40Sko4X0ZXUFZYUFpoOWY4SUk3enRPZDZoNUhIRFpNYU40Nkg5dmZNQzdIWllIZDVmbEdyR0VSeE9XT2FyZjA1dkhxcy1EY0RHcU9kWkp6Y2hFUElCRGdlM2g0b2x1ZGY?oc=5) · The Business Journals
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- 2025-12-09 [AVCA Announces All-Region Honors - Missouri Valley Conference](https://news.google.com/rss/articles/CBMijwFBVV95cUxNd0RObE0xV293eDlOSkJKNm9MNngwWmlYbzMwdlp6Ulh5S3EzaDYxcmFBNmVqNEw4Q0dqVHh3WHVfOFlsbzlkTm5fbFpYdWo2aEItcWFQd1ZZVEw2TVZPbEZ4YVNfRkJHWkEtVXJBVUNFSHM3TVNlaEU5VUhqZ2JFYjFnVDVpNlFTNGZtMkk0bw?oc=5) · Missouri Valley Conference
- 2026-04-27 [Full list of MW NFL draft picks and undrafted free agents, including four Nevada products - Nevada Sports Net](https://news.google.com/rss/articles/CBMizwFBVV95cUxQcjBmRFQxakxVWW4tam0zSnFKeFNyQXMtdjVfbnJUSXdCcmY1Z0pCWWVFWTJJLS15XzREaWdJYnNKaktoV1JtRDN2TUkwZ1NRdl9aTXJXR1A4cXBxU1JhaXJRdWZWY2JMdDJUTXpSa1FzN2hBSGtsZ1pTbWl0elZmTTJNbzhLYnVmREtCaFUxVDRSWVhhbWtJMmJ3WXlybWtXYmZYWG1EZ1UwUkVoSEtLZjd3SmhtQmpTQ2lIVmxUMG55Y1ZJSmxMazBtSE1HVGs?oc=5) · Nevada Sports Net
- 2025-10-22 [This Week in Patriot League Football (Week Nine) presented by Credit Union 1 (10.22.25) - Patriot League](https://news.google.com/rss/articles/CBMiygFBVV95cUxPLXVGQm1FN0xLa0hGMXFPMzAtV2twLThlNng5MERmN05yWENQblZqc18tdXo5UnRVZW9wU3Rpc3hPbkFPanE2Zlh0ZHN0YXBGSVVINWdiY3ZXV1F2Mi01VmlFT3FENzBnVHpENzlRblZtOFRjM1UwSWtNbnV5RnNfbk5YQUh5MURzbmhsZTdqY1Q2MUJPbE5KblZFT2k2TW9ETzg0N2FNUDF2M3ZFZ0tJTDRZbDlsbVZFMUdKaUx1Vk9UWkt5NnJTOWhn?oc=5) · Patriot League
- 2026-06-24 [Emanuel Ax to headline Mobile Symphony’s 2026-27 season - Gulf Coast Media](https://news.google.com/rss/articles/CBMinAFBVV95cUxQZEFxZFgyY0NnNldNYUUwelBzS2RIMTN0UEZyaGc0QUh2OWxoMHNpSmV5dmtBRmJydUw2cmV6MkpIaHU4MXJVRVNBRFlldWlFMElRU0pTUXVYaG1RY2tNNHZiSVJxZXFUbVR5d25RbnBmd2taS05Bb0ZZWXowNUFYZnNnaXVoNjBXY3gtUFJzeE9iZ25GaThDUkRmQTg?oc=5) · Gulf Coast Media

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16479 (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/31.json (key "16479", 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=16479
- 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