# EAST ALLEN
NEW HAVEN, IN · NCUA charter 16805 · asset band <$50M · latest filing 2022-09 · stopped filing after 2022-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/east-allen-16805

Who the members are: federal charter, community charter, organized 1965. 1,549 members of 15,000 potential (10.3% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 17.

**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 | $18.4M |
| Members | 1,549 (-5.0% YoY) |
| Full-time staff | 3 |
| Net worth | $1.5M |
| Net worth ratio | 8.1% (p15 of band) |
| ROA (annualized) | -0.12% (p26 of band) |
| Total delinquency | 0.01% (p18 of band) |
| Net charge-offs (annualized) | 0.00% (p30 of band) |
| Loans / shares | 8% (p2 of band) |
| Cash / assets | 73.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.11% (p5 of band) |
| Operating expense / assets | 1.86% (p16 of band) |
| Vehicles % of loans | 85% (p92 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% (p30 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 97% |
| Certificates % of member funds | 1% |
| Average share balance | $5,786 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 17% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $4,935 |
| Loans granted, annualized | $617,437 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 0 |  | thin capital |
| 2016-09 | 2 | thin capital, auto monoline |  |
| 2016-12 | 1 |  | thin capital |
| 2017-03 | 2 | thin capital |  |
| 2017-06 | 5 | delinquency rising, members leaving, loan book shrinking |  |
| 2017-09 | 3 |  | delinquency rising, loan book shrinking |
| 2017-12 | 4 | loan book shrinking |  |
| 2018-03 | 5 | delinquency rising |  |
| 2018-06 | 3 |  | members leaving, delinquency rising |
| 2018-09 | 1 |  | thin capital, loan book shrinking |
| 2018-12 | 4 | thin capital, delinquency rising, loan book shrinking |  |
| 2019-03 | 4 | net worth falling | delinquency rising |
| 2019-06 | 2 | delinquency rising | thin capital, loan book shrinking, net worth falling |
| 2019-09 | 3 | loan book shrinking |  |
| 2019-12 | 2 | members leaving | delinquency rising, loan book shrinking |
| 2020-03 | 2 |  |  |
| 2020-06 | 5 | thin capital, net worth falling, loan book shrinking |  |
| 2020-09 | 4 |  | members leaving |
| 2020-12 | 6 | margin squeeze, members leaving |  |
| 2021-03 | 7 | delinquency rising |  |
| 2021-06 | 5 |  | net worth falling, delinquency rising |
| 2021-09 | 5 |  |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 5 | net worth falling | margin squeeze |
| 2022-06 | 4 |  | net worth falling |
| 2022-09 | 4 | losing money | loan book shrinking |

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

- 2022-10-04 [Three Credit Unions—That Used to be Six—Announce Completion of Mergers - cutoday.info](https://news.google.com/rss/articles/CBMiqwFBVV95cUxORVVOQ21zUVNjS0oxNnF3bV85UTZXa3l6RGJmWHRIR3dXbUowYzhOUnJUdmE0aVFyNm9DVEpiYkE1TFFoNXNtWDlqRy1uUVI4N2JmLUhQVktJVWVlTG11TFZyRWVGN1hJV1NQOGU3d3l3ZWcxVm1FSnIzZGdtR05vcXd3RDZhaW9Pc1pFRHFXVEVoeThOM3RKeTQ1V3RPZ3RiTUpITTA1cUpkaHM?oc=5) · cutoday.info
- 2025-09-07 [Helen I. Webster Obituary September 7, 2025 - Zwick and Jahn Funeral Homes](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5WN0FKQkNBQ3F0TGN1Q3Fpb09qNXRiRUFXbmtBeDZQOE9XcGR6TGRseThHalhTbDlDbEVCNUZEcktucmsyNDd4OHowM1pPTHhLTnFMZ28xQ1FKV2xLNGQ0?oc=5) · Zwick and Jahn Funeral Homes
- 2025-04-08 [YMCA Expanding To East Allen County - wowo.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE4tVGFpRmtTNmxWZWljT3dWeDJwekFmVE5lZUxPVFJfNWpvNmdxb2tjSkRQUHFIQnJYSU1tYTFfOUZTSDdDejcyNGxqRFBfRG9Gdm04MHhXazFLenlZWG1DVWVfMA?oc=5) · wowo.com
- 2025-06-22 [Education Notebook: Credit union lets Fort Wayne sophomores explore the financial sector - journalgazette.net](https://news.google.com/rss/articles/CBMijwJBVV95cUxOOF9Dd29Sa0xZS3FVTHBNQ1BENWlBQmxCQVgtNjlUQ0cwVkMtbDhJUWVuc0p2UlZvaE5pQUE3aG5udi03MUtDVlBkMkl1MUozcTlSbUlKcGZpQWxBUkhvSXRJZkNCeE5QTmhkNTVxMU5JQkQzRFItUUlhNmo2VENxTUF2Xy0wQWstNEtVdEdON0FIWDU1OENfLXZvYV9qdW5keGZzN1M2dnlsanA3a3MwNFFTYUtXSU05SXlKWW5WNXI1RExIRXJFaU5tSEVHSFA2X3N1WGJ6TmpfMUdyUmRfRkNFc01GV3k1NjdtLUhpWkJsMFpVOXJJUFRvY0syaGdKY0oySHR3S0dCWGVpeTg4?oc=5) · journalgazette.net
- 2024-11-01 [Alleged suspect in 4 Burlington-area bank robberies arrested, according to police chief - VTDigger](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPcUw1U09PX2JFYlcwdkREdnh6M0IxSFRLTWtKNnMwdV9fT3lXcWJ2UWcyZ3cxT0JwM3Q2M0hCelNpV0E1N20wd0QxQUJFVFZyNkVXSXVYQWIwVjNwOUpMbGZuaGwzTFdnZE9wWnVCMlJZYTFDZFNIRl9iSENPTjJiYk85ZHZNRXlycWhFOFBwdTdUXzJQNV9XTVpfUW5NX0VRaDhVWnM5VzJyMjVLN25vaG1DUXVOX0t3ZWJR?oc=5) · VTDigger
- 2023-02-24 [Verrill Rider Obituary - Fort Wayne, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxQNXV3eHJfX2RLUjhVTDRvWFNTQ2dxNUNpb3dEd2FvdkVzNVZpc2JHelktMDJQMmQwbFYxRV9Pbkg2U0Vfa0ljbGl3Rm9qR2p2dm03TmhHcG80VWx5OVFvbUF0c1NtQ29La2RhSG42bzJhbEhwQWlVOEhia2pZWTVJZ3poRmZSdw?oc=5) · Dignity Memorial
- 2024-03-15 [Police investigate three bank robberies in one week across VT - WPTZ](https://news.google.com/rss/articles/CBMigAFBVV95cUxNMGJWNGZzZUVQY0piVnlNdy1XRW1FMWZNM1A1a1VyUVZueFpwUEdkN09Qc0tCOUIzaktQS29CTGg3cmlJcWM2Q2hDRnhobWl1OTFzT0ZxczRPNUVNaE1iVXdTNGVOOTNObGF4bEZPajRfNjlBRGVNUkwwR0p1TFRZVw?oc=5) · WPTZ
- 2024-05-29 [Robert Lukman Obituary - PA - The Morning Call](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5jZ0lqd1MyUlFucDVnYmRZcG9GcXExQ1B3cFM3ZnYtOXI5MGE2ckQ3VmY0NnF2MFkyMGZYeWgxRS02U1dOZ1RqNWxpdVRVMW9tU1E0ZHB5Vm5DQ1BUa0xNbGd3?oc=5) · The Morning Call

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16805 (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/37.json (key "16805", 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=16805
- 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