# YOUR HOMETOWN
Mayfield, KY · NCUA charter 16702 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/your-hometown-16702

Who the members are: federal charter, community charter, organized 1965, low-income designated. 1,641 members of 36,000 potential (4.6% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *too clean*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $27.1M |
| Members | 1,641 (-27.8% YoY) |
| Full-time staff | 3 |
| Net worth | $2.4M |
| Net worth ratio | 8.9% (p9 of band) |
| ROA (annualized) | -0.82% (p11 of band) |
| Total delinquency | 0.12% (p27 of band) |
| Net charge-offs (annualized) | -0.16% (p9 of band) |
| Loans / shares | 35% (p18 of band) |
| Cash / assets | 61.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.21% (p24 of band) |
| Operating expense / assets | 4.51% (p70 of band) |
| Vehicles % of loans | 29% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.25% (p42 of band) |
| Vehicle NCO | 1.74% (p91 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 11% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 20% |
| Average share balance | $6,549 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $11,912 |
| Loans granted, annualized | $1.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | delinquency 2x band |
| 2016-12 | 1 | delinquency 2x band |  |
| 2017-03 | 2 | losing money, members leaving | delinquency 2x band |
| 2017-06 | 0 |  | losing money, members leaving |
| 2017-09 | 1 | assets shrinking |  |
| 2017-12 | 2 | delinquency 2x band |  |
| 2018-03 | 1 | losing money | assets shrinking, delinquency 2x band |
| 2018-06 | 3 | delinquency rising, charge-offs p90 |  |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 1 | delinquency 2x band | losing money, charge-offs p90 |
| 2019-03 | 0 |  | delinquency 2x band |
| 2019-06 | 2 | delinquency 2x band, delinquency rising |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 2 | thin capital |  |
| 2021-03 | 5 | net worth falling, losing money, delinquency 2x band |  |
| 2021-06 | 6 | delinquency rising |  |
| 2021-09 | 5 |  | delinquency rising |
| 2021-12 | 3 |  | margin squeeze, delinquency 2x band |
| 2022-03 | 5 | capital below 7% |  |
| 2022-06 | 5 | margin squeeze | net worth falling |
| 2022-09 | 5 |  |  |
| 2022-12 | 3 |  | capital below 7% |
| 2023-03 | 3 | delinquency rising, assets shrinking | losing money, margin squeeze |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 0 |  | thin capital, delinquency rising |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | losing money, members leaving |  |
| 2025-06 | 5 | net worth falling, loan book shrinking |  |
| 2025-09 | 4 | thin capital | delinquency rising, members leaving |
| 2025-12 | 5 | members leaving |  |
| 2026-03 | 4 |  | net worth falling |

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

- 2024-11-27 [Strike ends against local credit union in Mayfield - WPSD Local 6](https://news.google.com/rss/articles/CBMizAFBVV95cUxNYW02LVpDYzNSQnpTZ3NObG13VGx3T1NmZHU0RGRQQ214UlRYcUVBZW9zYkxjS1JKM3BDdGwzU2xyN0JnVW0wM3FZbmRmdzgzajA3czRyNVFpa3RMNmZRMW9Zb0JLRi1EZ1B5VnFOU2tmRjlVV2t4VUhDUTg3Q2JTQUtPLXF1ZnNwaERFZHQ5RFh1c3JsU21nOXh1QUhrbEYxazh5SmNtdk13QVlQeVJIcHp0eER4bFBCM2R1V25YT2I1bHFyMk13amozTFA?oc=5) · WPSD Local 6
- 2021-12-15 [Standing or not, Kentucky banks and credit unions aid tornado recovery - American Banker](https://news.google.com/rss/articles/CBMiugFBVV95cUxNdXZadzJoQkJZX0hybmcxd1hJTjNOWlM4bFJTVjViSlhwSEdYcnROQ2M4X25mNkNCOEd2SGl1OVM2eGtBUnltaFo0YlJPdjNhM3p2blhWS1Y2bWRGRHFHakNJa3RxMXNaakVRWU5OLS1vU3pMUFRmSmFqeTlQeWwyWHROekE1OXNYME5Ub3YxYURKTHlNaTlKdjUyX1dwSTljdDFQdFJlTlRuVDZLWklJcmxYdzNOaGNNN0E?oc=5) · American Banker
- 2025-06-17 [Jonas Brothers expand the 'Greetings From Your Hometown' tour: See the dates - Audacy](https://news.google.com/rss/articles/CBMimAFBVV95cUxOZlk2b1FmQ045SVd4WGFIbFE2c1R1dHhSdlFoVFdBc05OeEVzVmRCdEVhYk5hSWlVUHlCa2I1aDlWRlVya0lPSWFiWlhyWlI5MnpqbnlBTkpqU3J2dHhic0dDS0d6T2t6OGhMd2UyWFk4eGhqd1pDWklQUmNBU1daQjZ0YURTUFI4SWhQRnk1ZWx2bTZBbWlFNQ?oc=5) · Audacy
- 2025-10-03 [Where To Buy Jonas Brothers 20th Anniversary Tour Tickets Online 2025 - Rolling Stone](https://news.google.com/rss/articles/CBMixwFBVV95cUxNRVFWSTE5VVlYVTc5bFNWNmxXbGRhWHlPdWx3RW5SN2JqWG5UOUlFdnBTdU5OVFFoQmViZkRDQjBoYTB4Sk1oTEVkTDJCSmFIRWt6cmtybGpDakhwNHJaajRZZVI1bjNqMC0xQmg3RnVKbG04dE4wM1l1Nm5iRmV0S1ZlZmpydjdyTDRld2JNc0Jjb190SFpNNXlCYVRpLUdza1I3bnl5Z1dlN3czQzk2ay1hTDRteVJUUURJd1U4VldKTi1FWllR?oc=5) · Rolling Stone
- 2025-08-09 ['Greetings From Your Hometown' reminds us why the Jonas Brothers became a household name in the first place — Album Review - MELODIC Magazine](https://news.google.com/rss/articles/CBMigAJBVV95cUxPZTNBMnpqc0l4bTdBVk5ZN0I3UFpoZGwwS2p1dmpGSDBMdUd6VnFGMUR1am1LSkdILTNwTEFMRGxCU0RTUHBHSVM5U2VpWjRuS3dPS2liZ2o5SXhUbkZjbndDdDZrT2lnNUdwZWhtaUxmcXg4cHlSY1FzSUotS2hzdWJMN1o5U1FEZ1pCaUR4VlVWeWUyc1JsUFNhOC1CWnBjQXlqcUxGOHJxTjVrM0tzWW9BSmVvRFFfcncxNUFWX3hYcVNlWVc4N0xVOE1hYTJrU3lpUXh5aXlSbmc0NHU3NlFTcW1Fc1VwYTRQeVNvTHVTSmFZZ0pFYk44czYxRXNO?oc=5) · MELODIC Magazine
- 2025-08-08 [Listen: Jonas Brothers Release New Album 'Greetings From Your Hometown' - BroadwayWorld](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPWFRhbHhNRTBQUGR2N0FwR3pmYjVPcldzN1A3YU9wSDFnTERtcVdUa2o2U2lGVkpUaUpXRUdYSTRIeDBwUHFDS1RQWGw1X3pkTkI3Mk5MMWtmb0tGcjRXM2xuR2dINTV3aGdFYW1JS2xMTXQxTVhzQzdPOWVYMFR2WjdBY084czE3QnlkQW1XN2RmcHZ4eWxCRkJxS255Vm5YalZ6c05TLWl6ckpGay1MVzZTSWVkeVJGUzdyVkI0NVp0Zw?oc=5) · BroadwayWorld
- 2020-06-30 [Obituary information for Emma Wooley Draffen - Milner & Orr Funeral Home](https://news.google.com/rss/articles/CBMifkFVX3lxTE5EVmR0VEp4bFdweFI5SHV5OWlYbWYyOGtfM2hycnI0LUl2cDhJY2hnX1dlTEdHT2tfSzRvejlEMXVhYTRhd1JSR0VmUlFMTkxPbWhQM3I1dTM3cUVLaHhqUHl6bFQ2eTFHUFRlS2NWVHdzWVE0elpLWHBLcWJlUQ?oc=5) · Milner &amp; Orr Funeral Home
- 2025-08-25 [Preview: Jonas Brothers Bring Their 20th Anniversary Tour to Tinley Park on Aug. 26 - The Early Registration](https://news.google.com/rss/articles/CBMixAFBVV95cUxPVWYxV2Y3QlJiVTlQUi1SUWRPbGpTZjBUaDVzVnlxOURHTGFHY2xJeHNBbm5RUFJiN1UtbjBhUGU3YnBTR1pLX0RxZGotVVNsUElBa0dLTGphQXRvV1JhVm4ydVRybDd0TzNxdG9MUUxaeE9kYzE1cDBOSnNuclJ6RkhuM1ROTHR0LXFleU1DcjA0UXZ1ZUllU3RsME41VWZ4eDhmcllvbTlGQTdQLUVER1JjZmFXMjZFS3Fua29ValVkOURp?oc=5) · The Early Registration

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16702 (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/62.json (key "16702", 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=16702
- 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