# COMMUNITYWIDE
South Bend, IN · NCUA charter 18336 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/communitywide-18336

Who the members are: federal charter, multiple common bond, organized 1967, low-income designated. 68,337 members of 100,000 potential (68.3% of the field); checking penetration 17% (share draft accounts per 100 members); loans per 100 members 71.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $876.3M |
| Members | 68,337 (-3.1% YoY) |
| Full-time staff | 84 |
| Net worth | $116.2M |
| Net worth ratio | 13.3% (p84 of band) |
| ROA (annualized) | 0.39% (p27 of band) |
| Total delinquency | 2.55% (p99 of band) |
| Net charge-offs (annualized) | 2.47% (p99 of band) |
| Loans / shares | 80% (p46 of band) |
| Cash / assets | 27.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.08% (p88 of band) |
| Operating expense / assets | 2.18% (p6 of band) |
| Vehicles % of loans | 78% (p99 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 95% |
| Third-party paper % of net worth | 487% (p99 of band) |
| Vehicle delinquency | 2.69% (p99 of band) |
| Vehicle NCO | 3.37% (p98 of band) |
| Repossessed % of vehicle book | 0.45% (p95 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 15% |
| Certificates % of member funds | 43% |
| Average share balance | $7,921 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.1M |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 24% |
| Average loan balance | $12,458 |
| Loans granted, annualized | $276.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.1M outstanding purchased (1.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 4.4% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 6 | delinquency 2x band, charge-offs p90, repo signal, loans>95% of shares, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 6 |  |  |
| 2016-09 | 6 |  |  |
| 2016-12 | 6 |  |  |
| 2017-03 | 6 |  |  |
| 2017-06 | 6 |  |  |
| 2017-09 | 6 |  |  |
| 2017-12 | 6 |  |  |
| 2018-03 | 6 |  |  |
| 2018-06 | 7 | delinquency rising |  |
| 2018-09 | 7 |  |  |
| 2018-12 | 6 |  | delinquency rising |
| 2019-03 | 8 | margin squeeze, members leaving |  |
| 2019-06 | 7 |  | margin squeeze |
| 2019-09 | 6 |  | members leaving |
| 2019-12 | 7 | net worth falling |  |
| 2020-03 | 7 |  |  |
| 2020-06 | 6 |  | repo signal |
| 2020-09 | 6 |  |  |
| 2020-12 | 5 |  | loans>95% of shares |
| 2021-03 | 5 |  |  |
| 2021-06 | 5 | loans>95% of shares | net worth falling |
| 2021-09 | 6 | margin squeeze |  |
| 2021-12 | 6 | net worth falling | margin squeeze |
| 2022-03 | 6 | margin squeeze | net worth falling |
| 2022-06 | 6 |  |  |
| 2022-09 | 5 |  | margin squeeze |
| 2022-12 | 5 |  |  |
| 2023-03 | 7 | net worth falling, margin squeeze |  |
| 2023-06 | 7 |  |  |
| 2023-09 | 6 |  | net worth falling |
| 2023-12 | 6 |  |  |
| 2024-03 | 7 | net worth falling, losing money | margin squeeze |
| 2024-06 | 6 |  | net worth falling |
| 2024-09 | 4 |  | loans>95% of shares, losing money |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 5 | repo signal |  |
| 2026-03 | 6 | members leaving |  |

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

- 2026-09-01 [Best Credit Unions of 2026 - Forbes](https://news.google.com/rss/articles/CBMiakFVX3lxTFBOaDBEWE9fLUJGRTZsVUVkSUpuS2hYVDFJdTVveUd3Z1YyY043ZXVuQWQwbXpTUlh0Q2FIZUxfTnFzNWUwSlpuS2Vrby16ZXIzNmdtbVdmRVdwQlVkZ01JUkZmN2tFQ1E3Y3c?oc=5) · Forbes
- 2026-03-17 [Andy Burggraf and John Newett appointed to Indiana League Board - CUInsight](https://news.google.com/rss/articles/CBMipwFBVV95cUxQd0VzR1oyLWNJZDF6ODZyS2h3a3E5VnlBSVFqLVotQWNGNXNJbU1fMUdOTldpZHM2TndUVjNZSkdUR3Jjb2dLTkNUZFdGY2xVNnFsbHRRd3RZNUhjcjhCSlhpMkFwT0IzM3BfSlB1NE1GQ21XRVJ3R1h5dmZHTTFMcG9XckpkcnBYRDlEREE3SktKY01xTk9FSF9DN0N4WTc5MlhGamgzUQ?oc=5) · CUInsight
- 2026-08-20 [Pathward Selects Thought Machine’s Vault Core to Modernize U.S. Sponsor Banking Infrastructure - FF News](https://news.google.com/rss/articles/CBMitgFBVV95cUxQVjlJVmM3Y05aYWxQYW8weW0wMG9WNnZHYnZlZFhuSk5LQ21pXzNNV3JjSWRzNXIzbjV5dDRja0VOeVVUSlpnRHNsekJ3TktsN0piT0RhX20xbGllcnc1X0dLeEhKaUlyano3MlVrSndEYXRQWXVzc2tzMUJLbmdGM1V3R3J5d2NtMDNBbGNGZmM3N1B0OTJ2bzI5dnRGakJMV0N0WXNTbG1tYWJDMlNFR0hZX3FYZw?oc=5) · FF News
- 2026-02-02 [Best Credit Unions Anyone Can Join [2026]: Low Fees, High APYs - FinanceBuzz](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5oZFFEWWxUdm00VkEwVnF2QzFUY2Z1LVptVnFsdXRUTDJUOE9IcF81cXFDN29hZWpsSGhlNldfTFFxcWw5YU9jd1U4bUJCY2VYRTY0T1VvcnVLbWdRVVUyNkZiTQ?oc=5) · FinanceBuzz
- 2026-09-01 [Best 6-Month CD Rates Of September 2026 - Forbes](https://news.google.com/rss/articles/CBMic0FVX3lxTE1EcTNwMkh6QnU0NS1pUGQyczFhR3R5cXNpMlhmWjMxLTRqZWRTM1RnZ2ktVF9RM2RXdWR3SUhmSmhOU0hQbDRJUmFEZTVXdE95VkRhcTcyN0RWQThFZVJsSTZJUHBWNlFSUDFMdDAzZWV1OEE?oc=5) · Forbes
- 2025-10-02 [This 6-month CD pays 4.50% APY — plus 9 more of the best 6-month CD APYs of October 2025 - MarketWatch](https://news.google.com/rss/articles/CBMixwFBVV95cUxPNHl3WEswOFhQVXd6LWNka0l1U21TTndmVGdZckxHS0oya2xxUHo4b2IxZzJtT3M5WmV5NldqWG02cE4tNk0tSDlUMGMwTHlZVVZJS0d4amIxRkZEdDVabG9IUWkzdU1GWkZsWXNEbHltRXhqQkVoaXlZNWpXWE8xTGc3Snp3c3VZYUsxcFhpeTZuNzVVWlFwQ2kwbFFQQ1p6cm5ZY1h0NTB5YjI3aWZiX2lfU1hrYzhZaFk2ZXZQTmE5NGdSU2NV?oc=5) · MarketWatch
- 2024-10-25 [CommunityWide Federal Credit Union Review: High-Yield Savings & Membership Perks - GOBankingRates](https://news.google.com/rss/articles/CBMilAFBVV95cUxNOUZGOGpWTFI1Y192ZTQwMUtBUjZNQXRIM2ZVUmNqLXhqSDFWalBEdWp5dVBsdEZFRzhzVmdKc3ZjWlZFRGhKem9LbDdmU1lpMFNreWR4T0llMjVCUmd6UzF1Z3N3NFRYd2JiLXczRFRzei00UC01N05CWlB1bG5TWnRvQXpmYlFsZG1FQnAwbDdDRDBN?oc=5) · GOBankingRates
- 2025-03-26 [Corelation gains new core banking tech clients, reports go-lives - fintechfutures.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxNRWo0MU05UWJISVZWbDE0QXFvX1RWUHNvVUJzRURDYWZBamNKNHRxS0xlUjEyQkxDOXFZTlMyTjhJVzhmeEdhZmdJN0lnekpuNEFnZ1RudVNidzRJbXRJQVZ2VmI4ZDRaMVFHN0FLRnd6N2x5OTF2U1c1R1BjOFBuQ1dRcGViWGRld1FPT2FfZjlockdRWGtPY2hiS3ZldndPRzJXT2tVTlFiTGxLM2I5SHd5bVpNenFBVWc?oc=5) · fintechfutures.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18336 (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/32.json (key "18336", 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=18336
- 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