# DEMOPOLIS
Demopolis, AL · NCUA charter 17311 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/demopolis-17311

Who the members are: federal charter, community charter, organized 1966, low-income designated, minority depository institution. 741 members of 8,000 potential (9.3% of the field); checking penetration 14% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.3M |
| Members | 741 (5.4% YoY) |
| Full-time staff | 1 |
| Net worth | $1.8M |
| Net worth ratio | 54.5% (p99 of band) |
| ROA (annualized) | 4.38% (p99 of band) |
| Total delinquency | 0.73% (p53 of band) |
| Net charge-offs (annualized) | -0.04% (p16 of band) |
| Loans / shares | 91% (p92 of band) |
| Cash / assets | 53.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.37% (p91 of band) |
| Operating expense / assets | 5.44% (p84 of band) |
| Vehicles % of loans | 68% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.38% (p47 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 26% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $1,671 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $5,858 |
| Loans granted, annualized | $495,304 |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 6 | thin capital, losing money, expense trap, delinquency 2x band, charge-offs p90, repo signal |  |
| 2016-06 | 4 |  | delinquency 2x band, charge-offs p90 |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 | delinquency 2x band, charge-offs p90 | losing money, repo signal |
| 2017-03 | 6 | net worth falling, delinquency rising |  |
| 2017-06 | 6 | margin squeeze | net worth falling |
| 2017-09 | 5 |  | thin capital |
| 2017-12 | 5 | assets shrinking, members leaving, loans>95% of shares | charge-offs p90, delinquency rising, margin squeeze |
| 2018-03 | 5 | charge-offs p90 | loans>95% of shares |
| 2018-06 | 5 | net worth falling | assets shrinking |
| 2018-09 | 7 | losing money, assets shrinking, loan book shrinking | net worth falling |
| 2018-12 | 6 |  | losing money |
| 2019-03 | 7 | margin squeeze, delinquency rising | charge-offs p90 |
| 2019-06 | 7 | net worth falling | assets shrinking |
| 2019-09 | 8 | losing money, charge-offs p90 | loan book shrinking |
| 2019-12 | 9 | thin capital |  |
| 2020-03 | 7 |  | delinquency rising, charge-offs p90 |
| 2020-06 | 8 | delinquency rising, loan book shrinking | losing money |
| 2020-09 | 4 |  | members leaving, net worth falling, delinquency rising, loan book shrinking |
| 2020-12 | 5 | charge-offs p90 |  |
| 2021-03 | 8 | capital below 7%, net worth falling, losing money | charge-offs p90 |
| 2021-06 | 9 | charge-offs p90 |  |
| 2021-09 | 4 |  | thin capital, capital below 7%, net worth falling, losing money |
| 2021-12 | 3 |  | delinquency 2x band |
| 2022-03 | 3 | delinquency 2x band | expense trap |
| 2022-06 | 3 |  |  |
| 2022-09 | 0 |  | margin squeeze, charge-offs p90, delinquency 2x band |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | charge-offs p90 |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 0 |  | charge-offs p90, delinquency rising |
| 2024-03 | 5 | expense trap, delinquency 2x band, delinquency rising, charge-offs p90, members leaving |  |
| 2024-06 | 1 |  | delinquency 2x band, delinquency rising, charge-offs p90, members leaving |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 3 | loans>95% of shares, auto monoline | delinquency rising |
| 2025-03 | 2 |  | loans>95% of shares |
| 2025-06 | 3 | margin squeeze, delinquency rising | expense trap |
| 2025-09 | 2 | loans>95% of shares | margin squeeze, delinquency rising |
| 2025-12 | 3 | delinquency rising |  |
| 2026-03 | 2 |  | loans>95% of shares |

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

- 2025-11-10 [TruStage offloads Digital Storefront to Demopolis - Coverager](https://news.google.com/rss/articles/CBMiekFVX3lxTE1zV2lGTnNCWWlzWE54X3hKa09ycFJVZWc2azVaZUlXNjBjaU00UkZjSzlBSVN5Y1BlNHlra2lZdXI4WW9TQ0FVOHJQNjRaSEE2eWlRMjlXX2F1Ynl1M2g1SC1HMGdKQjZvOWU2VVEyYkpqQnZscnhnRmt3?oc=5) · Coverager
- 2024-05-06 [Alabama ONE To Host Grand Opening For New Demopolis Branch - Patch](https://news.google.com/rss/articles/CBMikgFBVV95cUxPT3ZqNlk4Rm9yVU1GcUZMbHhBZFJuY1JfYXhjdWhYNC1ZSXhuNndYZ1Q2Y3dKZFktMHdlMV9raTJDV3pMdGRxa0E2NGdGa3lPN1JaNUNLaVVtZkdoRm5yX0FuVkU0UjRGQkxwaVJJUHFkWHpGT3hITzN2LVZCaWdydm9uNE45X2lGcnNRajEzV2l1dw?oc=5) · Patch
- 2023-02-17 [Alabama One credit union's new mural symbolizes Alberta's post-2011 rebirth - The Tuscaloosa News](https://news.google.com/rss/articles/CBMizwFBVV95cUxOUU51Smc0ejU0Q01NWUprdERqeE1NTGV1bkU2YXkzaWxKTUFIcHdrak05cUpCSXpSLUlicDZlNWlxM3RSWGJuUnFLemJjd2QyUV94cms0cThyQ01oY096WlphdndaM2ItN1VVaXBoVXhZaUMyc1l1U1JZTjVKSVItd3hyenltVVdBaG1mTHJEQWs0OEhmbExtYm9UZGxkRTVkRVBDUjQzNWRqMF9Cbno4akk5MEg3RTBmeHBOYUhFUTZ5ZEczRTNiSWpQc3otYVk?oc=5) · The Tuscaloosa News
- 2023-04-27 [Digital Banking Solutions Company Tyfone Raises Capital and Announces Merger - Finovate](https://news.google.com/rss/articles/CBMinwFBVV95cUxNcEQ4QlkwR21xU2xEMXlyVExHRjlaQ203Wjd2bE1rWWVxdExoRm03UTItYUxSbUpVdVhKYURmVy1pRG9MZ0tnVnhXUFdTaHUzRkYxWG85aUdjNldOZkZEeDlzZHBCaHVKaVhQamVHbzJlUGdHOU9MYWRNQjBCb084bGRzc3QxQU03bWtTa3czZjJ6MDQ2cWJUWnVvUXlfMlE?oc=5) · Finovate
- 2026-07-14 [$700M bank to acquire Central Alabama bank branch - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxONWEwMXU1aDlwcWo3OVRKUElZd19tLUYxdjdjcnlaTUU5aGNySmprMWxBMXRVdl84UFpxTTdjdXp3RS1tOTZudTRCdFc0eGtTcWdJZExnVmxNWVJ5dUFwWXU1Um9yRjNhM0VvUVdsbGhHTU9XREYxUnVpaWdXc2VRbVctdzBMRTBTUEt2cGo0dFROUEQt?oc=5) · The Business Journals
- 2024-03-13 [Alabama One taking applications for college scholarships - wvua23.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPS0l6MWdyUzVFbE8xSFBMWXhvR19GTUtuaXBWTkRjQWtiLVBTN1pIb1ExMjA3eC1va0FDYWVLaTZBYk1IYmNXc2NINDZIR3JQR1dqQ0VDRXlFbTdabzlVOHBrMEc3U25fMU5HZVpWeGV6TmQtNmtvdlVXeTV1eFZPVkY2a0ZBWTNrTjZGOVJ4WWd5YTVvX1BtbzhTWTRvUDU5OG1pTG1HTkI4dGVjWmF5dlhXNUt4cXB3bnR0SG9iTlBHU1F2VG9UUlJYM215TEhXUnVwRG1SWQ?oc=5) · wvua23.com
- 2021-10-21 [Rising Stars in Alabama banking - businessalabama.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE5YTGNkQkJLUHNxVlZwdXpGV2FCLWlJUFV0RExIUEh4YndWNGo3OVYxekhUTmtBUXFvdkxmcXNYcWZRSDM0WVRVVlllaHNDZi1yXzlSNm5NMUhKUExpOUh6T3JCUmJIYzFhS09NUw?oc=5) · businessalabama.com
- 2020-02-25 [Alabamians Who Borrow from Alabama Ag Credit to Receive $9.8 Million - WAKA 8](https://news.google.com/rss/articles/CBMiogFBVV95cUxNN1FNZG90TGZGX19KSG44Y3FTaHhuUDIzTVJxNFhqeHg1Um9KSnQ1OFRqT0liNUdicFpYa3FtbGEteTA5X2lyY0FsVFN1VHV1TVNfTk1FX1d5YUhfUk9zc0o0ZmdvSGxSa1VLb3BLZnF5OHJraGF5V1FvY2hHRzdBaGdyMUowQkxlTDJNX3hLMWU4dnQ4LUViVFh3aWQyb2dnUGc?oc=5) · WAKA 8

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17311 (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/31.json (key "17311", 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=17311
- 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