# CABLE
MARION, IN · NCUA charter 1874 · asset band <$50M · latest filing 2019-09 · stopped filing after 2019-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/cable-1874

Who the members are: federal charter, manufacturing (single sponsor), organized 1936. 164 members of 200 potential (82.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 44.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $698,336 |
| Members | 164 (-13.7% YoY) |
| Full-time staff | 0 |
| Net worth | $213,470 |
| Net worth ratio | 30.6% (p96 of band) |
| ROA (annualized) | 0.42% (p43 of band) |
| Total delinquency | 11.53% (p98 of band) |
| Net charge-offs (annualized) | -0.12% (p5 of band) |
| Loans / shares | 115% (p99 of band) |
| Cash / assets | 14.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.21% (p92 of band) |
| Operating expense / assets | 5.49% (p88 of band) |
| Vehicles % of loans | 85% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 12.98% (p99 of band) |
| Vehicle NCO | 0.00% (p24 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 47% |
| Average share balance | $2,530 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $7,686 |
| Loans granted, annualized | $204,348 |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **loans>95% of shares** (`str_ltos`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 3 | loans>95% of shares | net worth falling |
| 2017-03 | 5 | expense trap, assets shrinking, members leaving, loan book shrinking | delinquency 2x band, loans>95% of shares |
| 2017-06 | 8 | delinquency 2x band, delinquency rising, loans>95% of shares |  |
| 2017-09 | 7 |  | loan book shrinking |
| 2017-12 | 9 | net worth falling, losing money |  |
| 2018-03 | 9 |  |  |
| 2018-06 | 6 |  | delinquency rising, net worth falling, losing money |
| 2018-09 | 7 | losing money |  |
| 2018-12 | 7 |  |  |
| 2019-03 | 7 | margin squeeze, loan book shrinking | expense trap, losing money |
| 2019-06 | 6 |  | margin squeeze |
| 2019-09 | 7 | delinquency rising |  |

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

- 2026-08-21 [Superior opens Cable Road branch - LimaOhio.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNUlBuWS1aSGlqS2h5aWJPbjdMTmJ1Uy1JcmVlS3V6LTRNeXNaOUZmdzRtWTZSU2dLbTYzYUw3VmItdTM1NjduN3NXQXV5Xy1vVlpmRG1zNE8tcEpxcEpUNi1IRW5xVHVhM0FJRGN6QlhXeE5zQUE5QnJYZXE1NmxNR1lJZHJNMVBR?oc=5) · LimaOhio.com
- 2026-08-30 [Underwater broadband line coming from Chicago to land at United Federal Credit Union property - News/Talk/Sports 94.9 WSJM](https://news.google.com/rss/articles/CBMixAFBVV95cUxPS1gwdTlhZTZpZjZoV2pxTmtTNGdZMFpDaWlON2pnVnNBaU1uNFZ4NFZJYzdPV2ZrT1ltc0UtSjRhdUNJX1A3S3Zhd0lUc1gwcnk5cFRSZ1RxYmZiQ200WFQ1Q04xWkZwb2ZVaDV5ajNSb2xKU3NFRVJaX196ZTVfbVBkSVNsNXA4Zk5TbGhiMlVsQ2NyM1MzNG5zLXpFZkJmazY1UWdqa1AycGFxLUVfZWhBYmp5RFlPdE5IY19zUXVobTU5?oc=5) · News/Talk/Sports 94.9 WSJM
- 2026-08-23 [2023 Winter Classic most-watched regular-season game on U.S. cable TV - nhl.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQaS1hQmswMndWX1F4cXpGRFRvS1BLR0NMMFRWdzA2YUtMdktoMlh1SEtLbEtRWFN6cmJMR3BwV3ZEZk0yVDdEUl9GNHhTaHZ5RTNnR3JIc2dtdnFNeXJ6djd3MkZINmVCMkdtQmtZa3hpTjNlLXBXNGs3V2pTSDBSaUFXR241SnFNWkdYbUVMSGY?oc=5) · nhl.com
- 2026-01-30 [Penn State Federal Credit Union Announces CEO Transition - Pennsylvania Business Central](https://news.google.com/rss/articles/CBMipAFBVV95cUxOTllwalYxMkVPdmJndlI1R3NpUlJOXzk1cVlNR09ya2pRWFlMakhKUGxZRlhjREJHdGZtallFUjFMQjZ6NUNwLW1iOWg4YXlTbjNJT3UyY21seWRiSXBqQ0NsYVZVYk5MMnR5UEcxd1ZMUGhOdXpUbE9wbno1bjFMMVBLY0s0VDQyRUtCV2RjaFI4akRwLTJpZDZiZllEeGVuMkIwYw?oc=5) · Pennsylvania Business Central
- 2026-08-25 [New St. Joseph Fiber Link Could Strengthen Southwest Michigan's Connection to the Internet - moodyonthemarket.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxPYUZlYXlyZXlPVGFCajBMVjd5RjB0NmVaTDhyLXRXdzV1RklnV1hEcXI3cThYTG9FOTdjMXhNZnl4T1dGYnlydEtjaU8tM2JZQzdvQ0tKc0diMzFFUnRFYnhjX3ZtNFRhcTRBcmNGcFAyNE1neFVfaEdlU3dJMER6U2JCeENmVTdrRFJyeE1OZ2VHbmVMSm9KLU9XN29DNGY0ZjRzY3pqY21hUWZGZ1JpNF9NSWFtNEh2bnVYNGtzaw?oc=5) · moodyonthemarket.com
- 2025-06-20 [Soarion Credit Union opens first floor of new San Antonio headquarters - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxOWExMQWdtSUpic01BTUdTUGZHbEw5aXd6R0JsSnc5VENJQ3lYd0JKbnJYRXI2RzFORFQzVDFWcTFxU05UbTY3dXNQM3dodFFkeTV2OFVSQmppLW1oUFF5VGRPNi1iTEJobTdIbWwyME8yZkZ1NjJqZlhEU1dIaHBiV1pEYmE1RVJ0YXFBT19lbGFCdVQ0UlROdTdYLXh6MlU1Rm1uV3MtU0FPS18zMUE?oc=5) · The Business Journals
- 2025-10-13 [Superior to move Allentown branch to new Cable Road building - LimaOhio.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxPNndwSWdWNUZId2JoMWQ3TV9pNjZlOWJIYXlvMWg3NGpDZW9kNU1WcEtvMTFpUzNWQTBEY1NIX1REN3NzRXFwZXVvU1lib0w5Wnd4OFc3UFBRZ2ZpaGhBUHVWcTZ2RTc2UzdrUW15c1lNenVnOHZQX0s3NFEwRjFDajlOcG56dkY0aGx2bXZfQXVXamNHVHEtM2JlQ1NUWUhZQ09yU1F4VDRWT0kwMlE?oc=5) · LimaOhio.com
- 2026-08-15 [$117.5M Comcast data breach class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNYTN0RUlmdlduLU8wQnZHSFhnNTlSRTZIOVlxRllZRDRQY1NDOTRfM2xUZ19DSkRmdXZoQTlZYVk0ZFVWTlg3eEs3SVhuU2ZWLTU4M1RldUJ1Xy1peXdjYTFLSkJSYlZlQUg4blEyb3VqckUwSFdxSG41M2pNNGFFYjNGQnJXdTV4QTZYZE9jWXBSY0ZSV09BRl9MX01fU0xBcTZkSGI2QWVxU2RVS1JOVWZfNGZIMW9ZSzZra20yZWw5UQ?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1874 (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/18.json (key "1874", 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=1874
- 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