# K I T
Louisville, KY · NCUA charter 16947 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/k-i-t-16947

Who the members are: federal charter, community charter, organized 1965, low-income designated. 1,844 members of 10,000 potential (18.4% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 71.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $22.4M |
| Members | 1,844 (0.0% YoY) |
| Full-time staff | 6 |
| Net worth | $2.7M |
| Net worth ratio | 12.0% (p31 of band) |
| ROA (annualized) | 0.94% (p67 of band) |
| Total delinquency | 0.56% (p46 of band) |
| Net charge-offs (annualized) | 0.38% (p72 of band) |
| Loans / shares | 74% (p73 of band) |
| Cash / assets | 29.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.46% (p72 of band) |
| Operating expense / assets | 4.82% (p76 of band) |
| Vehicles % of loans | 39% (p25 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.29% (p70 of band) |
| Vehicle NCO | 0.50% (p80 of band) |
| Repossessed % of vehicle book | 0.15% (p93 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 20% |
| Average share balance | $4,942 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 36% |
| Average loan balance | $11,159 |
| Loans granted, annualized | $5.0M |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

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- 2024-02-15 [Charles William Hoyer - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPSjBJelRPQ0hZa3g1cFhJVXV6WTdyR2l5dm9ZclQxdnFJbHhhclNrM0pGTnVsZ0REdWxLcC1uNVh5SEctQURucUZPQjV2eUZHUHRMNmd1MzI0UGhqMnZQdFVhMWRZMENWN0pqTDZ3VTJpdUdmOFhZNzVHYmR4SU9NZmFBdVVodEZyeU8wOG9vc2M?oc=5) · legacy.com
- 2021-12-01 [23andMe DNA Testing Kit Class Action Settlement - Top Class Actions](https://news.google.com/rss/articles/CBMitgFBVV95cUxQVmp5LXZKTjF1aW9hcUVsaDZnelB6OTR4LWZMX3M2RGtoaVQtd2ROZFhVV2M5cG1jYTFDMUdOUmFiMG1sR3BNOWtnNm52dFJNbHZLZ0pCVmVuZk5nTlJnRHMxR2RkLXBwSllqcmg3MWdkaElMNnpBZ3ZvOC1TQXFUR0tYTDVNMXFGNlJ4TDhKZU5Cc3VPUVA4XzNNVFAxYmJOVTJBR1RIcGJNZmRSckpxZHUzc0E2QQ?oc=5) · Top Class Actions
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## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16947 (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/51.json (key "16947", 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=16947
- 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