# PROFED
Fort Wayne, IN · NCUA charter 17012 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/profed-17012

Who the members are: federal charter, community charter, organized 1933. 64,547 members of 708,708 potential (9.1% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 39.

**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 | $781.0M |
| Members | 64,547 (-1.6% YoY) |
| Full-time staff | 181 |
| Net worth | $97.2M |
| Net worth ratio | 12.4% (p77 of band) |
| ROA (annualized) | 1.21% (p83 of band) |
| Total delinquency | 0.17% (p8 of band) |
| Net charge-offs (annualized) | 0.09% (p10 of band) |
| Loans / shares | 78% (p39 of band) |
| Cash / assets | 16.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.59% (p61 of band) |
| Operating expense / assets | 4.00% (p70 of band) |
| Vehicles % of loans | 29% (p53 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 60% |
| Third-party paper % of net worth | 94% (p49 of band) |
| Vehicle delinquency | 0.23% (p17 of band) |
| Vehicle NCO | 0.18% (p11 of band) |
| Repossessed % of vehicle book | 0.01% (p38 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 23% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 20% |
| Average share balance | $5,760 |
| Participations bought / yr | $7.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $11.7M |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $21,017 |
| Loans granted, annualized | $194.9M |

## Participation posture (from the same filings)

Bought $7.5M and sold $0 in the latest annualized quarter; $11.7M outstanding purchased (12.0% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 4.1% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | delinquency rising |  |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 | margin squeeze, 3rd-party paper>100% NW | delinquency rising, net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | thin capital, net worth falling |  |
| 2021-06 | 2 | expense trap | margin squeeze, thin capital, net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | expense trap |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 2 | delinquency rising | net worth falling |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | 3rd-party paper>100% NW |
| 2026-03 | 0 |  |  |

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

- 2021-03-09 [ProFed Credit Union's new CEO started as a teller - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxPa1FrNlZZZHRLc3I0c0RaSW1jNjZvajJmcEZRMzZONnpxLXpqRmdlSUk2RW1jYVFRekozQXJsRE5lbUFpZ0pEc2dzcFh2V2piQUc3Nl9MOFdJTExoMm9TMkdlaXZ6X3Uwb0EzeTMyRFVCSWFGSGxkRXJ2elQzVVdKNDNZQjVDSkQwN1QwZGZwUjdEUzR0SHVjOG9ZVzFYQQ?oc=5) · American Banker
- 2023-03-07 [Tyson Carson promoted at ProFed - Fort Wayne Business Weekly](https://news.google.com/rss/articles/CBMikAFBVV95cUxOWFgwa0s5Z1pzYzJpbFMwcTdUMlVFOFpaSHBncEVqWGVfem1ULWVleEVCYUFlcVdQUVBnQ3BDWll1X0x4MHoxUVpPNVpWeVQ1WW1kSlBxZE41SENiaTRGN0U3X2gxYlpKWk5CZmxSLWxnNkt1TnVkeDZyRU5ES3RidnlUcTlza1BkYmdUVE0zTnQ?oc=5) · Fort Wayne Business Weekly
- 2021-03-09 [ProFed promotes Konstantina G. Baker to President/CEO - CUInsight](https://news.google.com/rss/articles/CBMimAFBVV95cUxOOHZ6dHYzZml4UHh3ZFpCLUxjTWdNcjB0TDc4VTRNM29PRzhLUU9TMUlmSUpUcGZCdU04bGNVb0ZEVEN4Zzg1cXJOUW5oS1lJOFdMcXNUSDk1VmN3NjNmSFZYS1Ftb1VaSVJoa0R1dkx3UjlwWEZpeWgxdUt1WU4tQ29aajJfSmNuUGZkcURUdU5KUWFGX0N6Vg?oc=5) · CUInsight
- 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
- 2024-07-22 [ProFed Credit Union Sponsors Girl Scout Day Camp - InkFreeNews.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPTXBLbzRMRWQ2S1Rja3piLUJPVHVKdndVVDdLRlV6RGEzTVBlQlJuNmo0dTZmaEJVX0NpdlRYTU94ampXb1RvbFdzYy1ESW1UMG5FdmtBX2dvZGRkU2ktTmxFTVlyOXh2YVBwVzA5YjhwQjdHNy1uWkY3UlFrVnZjZWhJVndsSG1JZnVfN2pkOTlvdw?oc=5) · InkFreeNews.com
- 2021-07-09 [Credit unions celebrate new branches - Fort Wayne Business Weekly](https://news.google.com/rss/articles/CBMijgFBVV95cUxNNkxSODBrYUIzOGVFbDJ1bmpFWHc4VzVNQm85ZEpHNzlvQ20wV0RuYXROYlRxQ3I4WndVdFg5Wjg1SU1obDhkdDF6d3BEWE55cExsbllXcjNudlYwelFqS1M5OU1SYjBGUXE1dkNnX0Y5YVNzelhfOFpwQlR6Y2lZV0xqXy1zMElRdGhReU5R?oc=5) · Fort Wayne Business Weekly
- 2024-08-02 [Camp McMillen Celebrates 75 Years Of Enriching Young Lives - The Waynedale News](https://news.google.com/rss/articles/CBMimAFBVV95cUxNZUFEY0ZBYXVYNHMxZ2FsUkJjNVpYTUJpQ0xycnpCMzNJUl9QU19uYy1ROTc0eExNVGRweDg5U1ZYV2t4R2hEOUo1Q0V3MHFBQlY4T3BQeGZpcTRsTG9FYUtwY1BGTE5pb2w2UTFXUkFCV3Ffd2ZUUXcyeUxQMktxeVQ1SGJxb20tS1d6Uy1EXzJ6bUZkVlFOVA?oc=5) · The Waynedale News
- 2025-05-16 [Craig Daugherty Obituary - Fort Wayne, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPRFhDRy1kZ1gyVVdoNW5MaUhHT0VGRkxzWkdERnNKNlNjTzJJeE1Lck1VZHBGUzZ5eFcyakE5YjNpcmlfNy1DNXhDdEU2Z3FnTzBhTkp6bEZTUWZDMVJtTE9LZ3BlVmZ1X01vb1o5VkJYN2FGUWI4U1ZUSnNBQ2VuNHZ0dzE1eDhU?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17012 (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/52.json (key "17012", 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=17012
- 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