# HARRISON COUNTY
Nutter Fort, WV · NCUA charter 18254 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/harrison-county-18254

Who the members are: federal charter, community charter, organized 1967, low-income designated. 1,216 members of 5,000 potential (24.3% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 27.

**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 | $15.7M |
| Members | 1,216 (-28.4% YoY) |
| Full-time staff | 3 |
| Net worth | $2.8M |
| Net worth ratio | 18.0% (p66 of band) |
| ROA (annualized) | 1.06% (p72 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 48% (p35 of band) |
| Cash / assets | 57.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.66% (p41 of band) |
| Operating expense / assets | 2.68% (p23 of band) |
| Vehicles % of loans | 67% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 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 | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $7,554 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $18,686 |
| Loans granted, annualized | $2.1M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2017-02-22 [Federal Credit Union continues business in $500,000 new building downtown - WV News](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPdmcwTm0xRWxVM0RMSkFHRmE2NTB3QkN0Y2FnODQxT191Tl9lbzFGM1JBLVVETUNPOXJzY2Nha1piSEpaQ2ExRTlaVldoNkZmbzFPOHVGU1E1UDZXV1c2WmZDeXdZaFBtcXRqWk0xeGpvR2x2X3VtN3FzSUNNV2xDb0VNSUJkS2lZWWJ1dEc1RVFxakdDTml3d3EyZF92RmVGLXd4RkhpN0V4dXp5NzlWdDBoeThoZWNtbnlWSTFSMTdReXpOQ2ZGN2g1QVAwQkRRd0staGhIQjQzbURraENFcm5yblJtX0hobVY5Z2UzWGZYMkxl?oc=5) · WV News
- 2026-02-05 [Home Federal Credit Union hosts Valentine’s Day drive for local nursing homes - wboy.com](https://news.google.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?oc=5) · wboy.com
- 2024-04-13 [Edna Louise Hannah Gola - WDTV 5](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBYYjlfSnpud3kxMnJxcjJucDJtZ0FqaW5wc2NYX3NnYW02S08xMmQ4N2NVVXk1UGhiZ3kyUHJ3bkE3SExOdjdQSWxUXy15ZHB6NWhfbDVvWDhiSXV0amxKYjhxaHQxbFnSAXtBVV95cUxPVmd4bnNqQkl4X3hsSTd4a3dmZTIyb1NlbHNyeTdFQnF1RzdrclhPdE9aelVhTWROdmJTY0NJZ0JRNnBFZzVhYVhES0NkWXlXTEZCbVBqY3hQUWZDbXdaOEU4Vjl3YmFtWGozWnczcGhseXV1ZkdSVUlZOE0?oc=5) · WDTV 5
- 2021-01-04 [Obituary: Josephine Lauderman - WTAP](https://news.google.com/rss/articles/CBMibkFVX3lxTE9udlA1bl9BamE4TW5nZE9JQkloZkR6elRKS0dRdF9FQm4xUHBNVzZPb1VmSTdUUUpOMmNMazR5cmhCc08tbl84X0xlRXhLcUFOai1jQVA0MWd2Q0hWWnh6TDMxVmFpVlZBWndPenpB0gGCAUFVX3lxTE1jemFPRjBkMHZreGxqNmFPWVNwdzk5UUlIaUxFNE1nZGhaV2RfMGw2eXlNN19zY09WRGoteDBaS3kzYWYtcVg2aXJDVGtlMHFXbUpNT3puN1dQNERrZlgxS05MeFdUMDJqc3A2UWh1VzQ2ZmNUTGYyWWNNUnlSNmp3dmc?oc=5) · WTAP
- 2024-04-19 [2024 Best of Harrison Winners - WV News](https://news.google.com/rss/articles/CBMipAFBVV95cUxNUHA1aVVHaXVQS2g0UENyZ1MzX0x0a1daWlRxWURua3pIcjAyTWVZdGdpVTFNS2FzTktMNzhhOTdBZ2FneTFBMHVHb2NreGxOWllIZlgwSUtDRG4wUVB1dGhhTEQ4cVVvb3loVEhKMjR3RWN6dU4tQWlmaWIwWE9hTVY2c1l0VnVlRVJoMUJJd243akc2VlhBNjZHU0lORjdUU2ZlXw?oc=5) · WV News
- 2023-09-19 [Helen R. “Bapcie” Shack Pokrzywa - WDTV 5](https://news.google.com/rss/articles/CBMib0FVX3lxTE82WU4wcjU2dVRLZE9JaVlNb2V3ZUVWYzhXVHcyVTRlN1VPZEtLZHdNeTVMVmVMSDNMekFqLUgtbUhGdGg5ZVctR0dPdTUyOGg0bms1SERnUlowZmM1eEt1dzVnOXd5V0FLUXJkT2pfd9IBgwFBVV95cUxNN1pyQUpQQnJXQkRlYldMMUNwVVpzMXVDb2lMTFRudVZrT0dEcmRaUnZKMjFZUjZkbkhGX201TjlJbnZVeXhSeXZnUjBEUHRKcVlxUFZIWVRLdjFEanMxVU1TTnNjSGNNa1c5V2VUYlFQUGFPbFJrdW05WWhycm5DTXp0dw?oc=5) · WDTV 5
- 2020-03-24 [UPDATE: Grand Central Mall among 3 in W.Va. to close because of pandemic - WTAP](https://news.google.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?oc=5) · WTAP
- 2023-04-05 [Cecil Claire Propst Jenkins - WDTV 5](https://news.google.com/rss/articles/CBMibEFVX3lxTFBrWWwxa0Rta2xIUWxtWmNJN0JwSlB6aXFqSEdVelBPRGtzRG9Qbkp1UVhJQVhRdjVFMjRzSndZcUtyemw2T2xuVExQT2ZUZmxYTGlBb3BOa0E5OGN3X1czbEFOQUQ4XzVBUXJVUtIBgAFBVV95cUxQVUNnaHRIUkZSeGdkbVFfeHd4ZEY5MjJrMVAtS3dHVFpxWjk2bTRZSWZEOUxrWFlOWkR2RHAxV04yNXRZUnA4VDVfazJJMVYyTFUyYk9Rd3N4NGVtc1VKY1RUZzhtNDhvUURyOHRSd3FWNUJLRkR3Z1lKVWpMdk5zcQ?oc=5) · WDTV 5

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18254 (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/14.json (key "18254", 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=18254
- 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