# SYLVANIA AREA
SYLVANIA, OH · NCUA charter 17733 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sylvania-area-17733

Who the members are: federal charter, community charter, organized 1966. 1,815 members of 68,000 potential (2.7% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $25.5M |
| Members | 1,815 (-0.2% YoY) |
| Full-time staff | 5 |
| Net worth | $2.3M |
| Net worth ratio | 9.2% (p12 of band) |
| ROA (annualized) | 0.39% (p41 of band) |
| Total delinquency | 0.01% (p18 of band) |
| Net charge-offs (annualized) | -1.39% (p1 of band) |
| Loans / shares | 32% (p16 of band) |
| Cash / assets | 37.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.53% (p9 of band) |
| Operating expense / assets | 2.84% (p28 of band) |
| Vehicles % of loans | 70% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 62% |
| Third-party paper % of net worth | 139% (p98 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 30% |
| Average share balance | $6,868 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $9,006 |
| Loans granted, annualized | $2.5M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 3 | net worth falling, delinquency 2x band |  |
| 2016-12 | 1 |  | net worth falling, delinquency 2x band |
| 2017-03 | 2 | losing money |  |
| 2017-06 | 3 | delinquency 2x band |  |
| 2017-09 | 3 | assets shrinking | delinquency 2x band |
| 2017-12 | 2 |  | assets shrinking |
| 2018-03 | 2 | net worth falling | losing money |
| 2018-06 | 2 | losing money | net worth falling |
| 2018-09 | 1 |  | losing money |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | members leaving |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | net worth falling | members leaving |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 3 | net worth falling, delinquency rising |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | delinquency rising, members leaving |  |
| 2023-12 | 2 |  | net worth falling, delinquency rising |
| 2024-03 | 1 |  | members leaving |
| 2024-06 | 5 | losing money, margin squeeze, delinquency rising, members leaving |  |
| 2024-09 | 5 | thin capital, 3rd-party paper>100% NW | margin squeeze, members leaving |
| 2024-12 | 4 | net worth falling | losing money, 3rd-party paper>100% NW |
| 2025-03 | 7 | losing money, margin squeeze, members leaving |  |
| 2025-06 | 6 | 3rd-party paper>100% NW | margin squeeze, members leaving |
| 2025-09 | 4 | members leaving | delinquency rising, net worth falling, 3rd-party paper>100% NW |
| 2025-12 | 5 | delinquency rising, assets shrinking, 3rd-party paper>100% NW | losing money, members leaving |
| 2026-03 | 3 |  | thin capital, delinquency rising |

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

- 2020-03-10 [Obituary for Richard Todd Sporleder - Reeb Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE43TnVGWTBGT2FDS05adTBWaFVmUzNIVkFINzVyejVOeDh2Y1VYUF9oMjQ4cGdna3k3VVlqSjJFVGtvMFhyN1pWbjM5V3JCcjBlSW9hV244SEROaC02Sm1JX0hNTWVieFMyRVE?oc=5) · Reeb Funeral Home
- 2021-10-02 [BPS to interview 8 for vacant board position - Monroe Evening News](https://news.google.com/rss/articles/CBMinwFBVV95cUxOLUVNUnVCTUVEdVZmanM3OXlSNDA4dGtsSjJrU3RDd3F2R0hfMTZtX1JtZlo0UVdMcGpwSDdKV0I2THR4bnRaVTR4RHVTbl9JbWhjc3U0RWhOM3FHVjExRW5tckVoOHY1Y2dJS0xIdEtuQmdHOEdMLTk5SEtrdzNzbmdScURJQTF5VkJSQTBRSkNvUG9xTG5HcjJ2S2dKUkE?oc=5) · Monroe Evening News
- 2021-10-12 [Richard SPORLEDER Obituary (2012) - Toledo, OH - The Blade - Legacy obituary](https://news.google.com/rss/articles/CBMilwFBVV95cUxNZ1JLb2RIVVRyTXczbENlOW1wWE13dWVDSXZNbzY1bFdXcjd1MjBmaUJhcUZqSEZLR2FnZE5zUm9xTWtDWVJtbjQxZjF1cktaWHExeUxxZFZHRjJVY1hVOHo4WDR4di01RlNLSDJnUF9VOUMtbW9tZlJybXpuTzhZTUFUX3FvcF9XdDFoLW5vX1V2ckpKNVdv?oc=5) · Legacy obituary
- 2021-09-10 [Obituary for William "Bill" J. Dryer II - Reeb Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE9LUnRVSDc4MlIzQUtlUER5WllmbUQ2X1pjcGdob0xfMmh1YkF6UUl0VW1sVE5RcHREUlJvdWhoa1dYQVQ0ei0zeGlOeE1tRW9mcW15bkh6eW5oYTV6TDNLZm1pWHNLeG0wQzZUZQ?oc=5) · Reeb Funeral Home
- 2021-09-17 [Linda Dreyer Obituary (1950 - 2021) - Toledo, OH - The Blade - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxPM0hvVHJTN2dyam1HYzJ5M09iSHU0bHFxTWN0Z3JSTER0WGFyUGNkdl84Unl5Z3dSR2tPV1lkX3hkQlFGOVd6LS1SUWhfWXJCZVFUOUNDc2d6SHd6ZllPb1BZWWZqd0Jic2psYjZ3VmwxWHBnRFhFaHNqMlBfV3R0VDlKdmZtTzdHN3lQZFlfRjI?oc=5) · Legacy obituary
- 2014-09-12 [Carol Morten Obituary (1927 - 2014) - Delta, OH - The Blade - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxNZGtlbEowM2dFOTV4Z1VocjNmeFNzc3pWMzNuc3RCWUJsblpRQkE0d1kyNjNnSU9tNngzNFhNVHk2cWpteks0TF9jNVBrUmhrYVZSN25fb01CeVVfVGNZME8yX1RWUlNjYU9yYWhfWGI2TFAyWERfdVFkS09JWkdwMXJnXzhGXzAwOU9rNWxHVmU?oc=5) · Legacy obituary
- 2014-09-11 [Carol Morten Obituary (1927 - 2014) - Delta, OH - The Advocate - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxOUmtfOXlYelZPa3dXVFVFeXVGNXhqajBQRXl3YmhWRUh4ejlaRHNiRDBaRnI0YXVDN1MxYVctT1ZBZ2hSOHhXWGhQX3ZwUlBFbHFYZmhoVUxjOFhmQ25CcVYwU3ZrR1dPeHF0Zy0yVzFwTXdhMGc5ajRpTWFvYWI0SC1tOXcxWThQeEQ5bzVHUmg?oc=5) · Legacy obituary
- 2006-10-29 [Kenneth Nicholson Obituary (2006) - Toledo, OH - The Blade - Legacy obituary](https://news.google.com/rss/articles/CBMilwFBVV95cUxPSjhMb1lIeDJWQ0pVOXUtSTJBM0UwQ1VIalhmaGctOE1ITnBkZXR5UmdTSjR1YjdHX210NWwtV0QzbXpMOVI4OGpGaVVTQURGVzc3X0ZzN0djbWthNmdGSkFRU0RZdFRWRERrcGl3WGJUM2pIMjZBWkFmSVZwSlBCX3JrZE43LXNlVUxPWVVUUi1tdHdLcm9N?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17733 (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/5.json (key "17733", 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=17733
- 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