# FINANCIAL PARTNERS
Woodburn, IN · NCUA charter 16619 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/financial-partners-16619

Who the members are: federal charter, community charter, organized 1965. 3,309 members of 467,000 potential (0.7% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 112.

**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 | $57.1M |
| Members | 3,309 (-3.3% YoY) |
| Full-time staff | 1 |
| Net worth | $5.6M |
| Net worth ratio | 9.8% (p18 of band) |
| ROA (annualized) | 0.76% (p54 of band) |
| Total delinquency | 0.79% (p61 of band) |
| Net charge-offs (annualized) | 0.06% (p26 of band) |
| Loans / shares | 47% (p25 of band) |
| Cash / assets | 26.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.40% (p35 of band) |
| Operating expense / assets | 3.27% (p40 of band) |
| Vehicles % of loans | 24% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 8% |
| Third-party paper % of net worth | 18% (p68 of band) |
| Vehicle delinquency | 0.14% (p20 of band) |
| Vehicle NCO | 0.08% (p41 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 92% |
| Certificates % of member funds | 7% |
| Average share balance | $7,727 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.3M |
| Loans outstanding per 100 members | 112% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $6,574 |
| Loans granted, annualized | $4.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.3M outstanding purchased (23.2% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 2.5% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 1 |  | delinquency 2x band |
| 2016-09 | 3 | net worth falling, losing money |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | losing money |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 3 | losing money, delinquency rising |  |
| 2017-12 | 3 | net worth falling | delinquency rising |
| 2018-03 | 3 | delinquency rising | losing money |
| 2018-06 | 1 |  | net worth falling, delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 4 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2019-06 | 3 |  | net worth falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 1 |  | delinquency 2x band, delinquency rising |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 3 | net worth falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | margin squeeze, net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2022-06 | 2 |  | delinquency 2x band |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | members leaving |  |
| 2024-03 | 3 | delinquency rising, assets shrinking | members leaving |
| 2024-06 | 4 | delinquency 2x band |  |
| 2024-09 | 1 |  | delinquency rising, assets shrinking, delinquency 2x band |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | thin capital |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 1 | members leaving |  |

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

- 2026-08-24 [This CD pays 6.0% APY. Here's what you need to know - CNBC](https://news.google.com/rss/articles/CBMiX0FVX3lxTFB0RE83NEg3U1ROVmZYSndFRHJnN09Obmd0Z3dsQko5ZV9LX3FrQUJObzNwQTFZWENfSlczb1JLV3V3aF9LZUt1S0pXQmFNaEJBdktFQUwyOXFZUjQzU09r0gFkQVVfeXFMUDdMWVJ5d2FBMGJjbmVfaTNVVHE2Z05udEFJcjdMVEc3MEVIRmtnMThYbU1Dczdnbm1kWFZoS2RfajdDRTY4VV9wM1BBbHpoazFRNGc2dk5Ed3ZSX184bzR1bXFSUw?oc=5) · CNBC
- 2026-01-07 [Magnifi Financial Partners with Greenlight(R) to Help Parents Raise Financially Smart Kids and Teens - Newswire.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQLUYyUWIxbGJGaDNfRHpUSlBTeVZfWHNNYkdkZERqcEJEa0EyQVd6alBCeHVFU0ltdUMyQWk3U0tEUS1UcmdWSmpFX1oyMjBWLUZwSElVR3dDR2Z3WEVodS1VZlpPRWNIWFFpU1dhaS1vRmhlS3EydTIzZU9UMkpFM2JBVVN5TWVaRFEteDYyeTBqOU9BLWpPdTVDNkxNVnBDbDZkWDMxWHQ?oc=5) · Newswire.com
- 2022-08-14 [Financial Partners Credit Union Selects Upstart for Personal Lending - Upstart](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNdWVEd09iOFRhYmZLZGVWOHlmOUdNakRHamx1VlNWdVhqQmpqUk9fR3MxUzYtcFYyckZ4N1ozaXpUblJvM3ZkUTloTWxGNk9RM1NlbWl1Rm94RmxOdnJ0SEotQ1pubkZTTjNEcTMxazAwZlNvMVJSY0E1ZmppWmc5RDRxZE1qUTRQdDZaVFN6dWU0YWhZNHk4Vmh5R3VFZDFubmdxci0zNzk2anRUOGIxZkhZQWN2WVppNy1OMWN6ZGY?oc=5) · Upstart
- 2025-09-19 [Best of Orange County 2025: Financial: Best credit union - Orange County Register](https://news.google.com/rss/articles/CBMimAFBVV95cUxQZXNLS3FUM25idXR3ekZUR0pHaXBmV3BlSzBpMGRyUmkwRkg0SGJra2FSSy01ODZVdXlPTk02YlFEX0ZQNXRITmRMeS1vNzIxcloyN2FybjZfRW5xSEQwT2ljLUVqVFVoaThZUmRSOGx2TkpCdFEtcldGams0TkNwNzlXcV91SVNTV3VfRl9fMldsQUUydFNFbQ?oc=5) · Orange County Register
- 2025-10-06 [This CD still offers 6% — plus 9 more CDs with the best APY of October 2025 - MarketWatch](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPazZGWVpjOGpBRi1xWnR2UGYyNlcxU0VmWnhrcnZoX1NpcDFkUGZjeUZZUHdibDdSc2I5emJHb3AyQVU2TUVXX0FxMDRtNTZiWFpheDg4Uk01U1lPbVlpaU9IWUllMlNOQjRVRUszYkU0bERtZDVOVG1WWkQwaU5yRVpYMkpZa3BuZ3lDeWg3X1dpMTQ0emV1M004bm5LOTdCUWJCT2d4VnpTNEc1dDNWc1hTZUc1WTYx?oc=5) · MarketWatch
- 2022-06-30 [Financial Partners makes Forbes' list of best in-state credit unions - The Downey Patriot](https://news.google.com/rss/articles/CBMirgFBVV95cUxQaXFzV2FYalBKYV83UHktdkt2NzlDRF9iQjM3STY4QkpnbWx2SkJldXdiYlZlRzdvRXpWR1BGT2VzcFYxRVVhaTJ4NDhaREtjMU1XcmJVQm5sRWRkYWtMUDVabWNRMkFESjVLY1dTS1hzY3ltR2I5WlRsZHhJLTZPbHluaUh5YjlodER5SzV5ZEZPYVBnNWpHUW1FcUxkZi14RXoxczRvTHl0ZUtzd3c?oc=5) · The Downey Patriot
- 2023-10-18 [The 12 best 6-month CD rates right now - CBS News](https://news.google.com/rss/articles/CBMic0FVX3lxTE1MbjNmblZOZ2drWVBTeERjbnFlUHVIOE5LWlJ1dDNucjlicTljbFBuYjVnZXNVUlFGSi1ReVdOWXVKTG9jQ0VDY2pxd1ExNWlJeUhIclFKRW5qaFFGUnQ0MUQ3aXI0VWd0Z0FuejRkenl2ZXM?oc=5) · CBS News
- 2020-08-26 [Financial Partners CU merges with tiny Star Harbor FCU - americanbanker.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxQWDJmUV9sRUlRSVpna3lfbWUtUFRVT0tQdUxVRzVKT2hyMFdhX1l6cmxZS19jVTNkX3cyMUZvY1lSVHpGbUhIVmpEemJLYkJ1MlNQN0lHSTZnQzRWY0FXOGtpckxvc0dreVVvUFBvZnZfdFhfNmxkMVRZRWtqWXJ5bnZQOVhIUHZ0ZGJvVjRtTjIzZGVaRUNzbzZpS2lZQlpSQXYxZ3lqZ0hEcXlsaVkzRDNtMA?oc=5) · americanbanker.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16619 (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 "16619", 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=16619
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide