# EASTERN KENTUCKY
Prestonsburg, KY · NCUA charter 19280 · asset band <$50M · latest filing 2025-03 · stopped filing after 2025-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/eastern-kentucky-19280

Who the members are: federal charter, service (single sponsor), organized 1969, low-income designated. 801 members of 1,185 potential (67.6% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *stressed*. Composite score 10 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.3M |
| Members | 801 (0.3% YoY) |
| Full-time staff | 3 |
| Net worth | $-38,545 |
| Net worth ratio | -0.7% (p0 of band) |
| ROA (annualized) | -19.55% (p1 of band) |
| Total delinquency | 3.13% (p88 of band) |
| Net charge-offs (annualized) | 2.96% (p95 of band) |
| Loans / shares | 70% (p64 of band) |
| Cash / assets | 27.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.82% (p82 of band) |
| Operating expense / assets | 25.66% (p99 of band) |
| Vehicles % of loans | 51% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | – |
| Vehicle delinquency | 2.71% (p86 of band) |
| Vehicle NCO | 11.80% (p99 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 6% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 28% |
| Commercial % of net worth | – |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 41% |
| Average share balance | $3,845 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $11,120 |
| Loans granted, annualized | $708,544 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | losing money, delinquency 2x band, loans>95% of shares, auto monoline |  |
| 2016-06 | 5 | expense trap |  |
| 2016-09 | 5 | net worth falling | expense trap |
| 2016-12 | 5 |  |  |
| 2017-03 | 6 | charge-offs p90, repo signal | auto monoline |
| 2017-06 | 5 | expense trap | net worth falling, repo signal |
| 2017-09 | 3 |  | loans>95% of shares, expense trap |
| 2017-12 | 4 | net worth falling |  |
| 2018-03 | 1 |  | losing money, charge-offs p90, net worth falling |
| 2018-06 | 2 | charge-offs p90 |  |
| 2018-09 | 6 | net worth falling, losing money, expense trap, delinquency rising, loans>95% of shares | charge-offs p90 |
| 2018-12 | 4 | charge-offs p90 | expense trap, delinquency rising, loans>95% of shares |
| 2019-03 | 3 | expense trap, margin squeeze | net worth falling, losing money, charge-offs p90 |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 | net worth falling | expense trap |
| 2019-12 | 4 | expense trap |  |
| 2020-03 | 6 | thin capital, losing money |  |
| 2020-06 | 6 |  |  |
| 2020-09 | 8 | capital below 7% |  |
| 2020-12 | 8 |  |  |
| 2021-03 | 7 |  | margin squeeze |
| 2021-06 | 8 | charge-offs p90 |  |
| 2021-09 | 7 |  | net worth falling |
| 2021-12 | 8 | assets shrinking |  |
| 2022-03 | 6 |  | losing money, charge-offs p90 |
| 2022-06 | 5 | charge-offs p90 | capital below 7% |
| 2022-09 | 4 |  | charge-offs p90 |
| 2022-12 | 3 |  | assets shrinking |
| 2023-03 | 4 | losing money, charge-offs p90 | expense trap |
| 2023-06 | 5 | expense trap |  |
| 2023-09 | 6 | delinquency rising |  |
| 2023-12 | 6 | assets shrinking | expense trap |
| 2024-03 | 8 | capital below 7%, net worth falling, margin squeeze | losing money, assets shrinking |
| 2024-06 | 9 | losing money, loan book shrinking | margin squeeze |
| 2024-09 | 9 | expense trap, assets shrinking | delinquency rising, net worth falling |
| 2024-12 | 10 | members leaving |  |
| 2025-03 | 10 | net worth falling | members leaving |

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

- 2025-11-25 [Louisville 'Could See' Multiple Quarterbacks Play vs. Kentucky - Sports Illustrated](https://news.google.com/rss/articles/CBMihwFBVV95cUxPWVZIa0JOSmpFNnVHOEF5elJmbEc1Y2h2RmZOSloxR1lnX1drRXJzTmpING1qeThpR0ZDT194UW1TUUo4aWh4Zk9kNVFaLWpoTW1zV0JqdTB6eUtIb2JhbFd3Wmxjd3Y2bmlLLVhObFVJRVlyeVN5WFZzT3NxMjRacllwejdhRlE?oc=5) · Sports Illustrated
- 2025-06-05 [CCU expands commitment to Eastern Ky. with enhanced services, community focus - State-Journal](https://news.google.com/rss/articles/CBMiswFBVV95cUxNeGwyek83OC1VUXRGeVR5TTM1c3ZEV0VOR1JWRV9OV2t6YnhfdmpYZnFYcDJxZTlmT0k2eVFndW0wUTZTcUhxQ29oenRMem42QnUzRzhBTy1QVWhTWDgzaGJRV1A5RGV1NHdFendRaUlRU0lyakxCSVlxWDQxTUxESnhLdWd3WkI3QXZUY2hpTjVUcW1LdDBkZHd5MlFVTGVKNVBfVkNTb09tNm9XczBZNFB2Yw?oc=5) · State-Journal
- 2024-03-14 [EKU's John Ukomadu To Compete In College Slam Dunk Championship - Eastern Kentucky University Athletics](https://news.google.com/rss/articles/CBMitgFBVV95cUxNYV9Ma2tOcE1YMWs2TlhGbE56bDhnSUx0QTlNNHItenAtaXliRk9wQkNHRWo5OEw4MUEtc25TdnB1ejQwTW1LWjd2bERvOXVWSEdKc1BFNTZpaDJUVHprTmdWWHkwT3dFNWFVS2ZiMGdnV3JMYWl4N2luME9FRXJEbmY0dWtfbmhBS21yYlRYdFdySGJwbVUyNjViRGU3TmJNeUhRMUZpcElmRVBDTUdFZWl2M2MtQQ?oc=5) · Eastern Kentucky University Athletics
- 2024-08-15 [Commonwealth Credit Union gift bringing simulation lab to Baptist Health Richmond - The Lane Report](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOV2huUDlsMFNNelBWYVAwQzRDM3p1RUxDWjBmM2VlNS0yTFRRYkxXZy1aU0N4R0FUVXFEdXk0QjB1SUhtS2cwaV9ZTDVfU0hFdU9KRGFPcHpnTE90NFVGUVRuQVhLMjVsdGQxam16emo1ZFNrSUdmLWU2RDRQU2J2NXVuMXkta0ZYZnVfR0pzdUJhTDE4bENRTjVRemJTYkJIbm5keGs2ZWR6ZkpRUlJuMEc0OERQb1NSVTdNLXlXWnlDQQ?oc=5) · The Lane Report
- 2025-01-28 [Louisville 51-17 Eastern Kentucky (Aug 30, 2025) Final Score - ESPN](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQR0N0U3I1TmpCaDYzMWR0MEZKWVhzMUlzbWczb005TWs3MFpPTy1Xb1I0R3otamx3dFVkX0UwZEhCNnVtdzh6R1YyczlzdFN0eVQ4MHgzUEFkRmVhcFVLcmhDa1BKTjhhdXBlZWRHaS13WDhBZ0oyQmk3b1VMb3cxenFsNW9aUjN5RExR?oc=5) · ESPN
- 2025-08-30 [Louisville Cardinals host the Eastern Kentucky Colonels in 2025 college football season opener - The Courier-Journal](https://news.google.com/rss/articles/CBMihgJBVV95cUxPYlBjbFlFNHVfd05FV2o5WERUTmgyR0Y0T2ljMUhkcnRScVdST3VCTnpSSzEzSTRnWk80R21MTm9JbTBYNWdnanZNajVvYmNneV9oZ0xxNWt3UTFSTVRkOEs5NnlQQTl5cHZoeGtOWkFXWEE1MlFfS1N5RkRPdnR0SkdXQXBQNnlpLXZubHZ2bm9fYU5aazMxa1NrTUR1bFJ6b01Dd0hTNjNIanZ2dlg1a2pIRDBOT1cxSmNJS3gzUFZuMHhxblRvZ2h5S2wteGlIVFZfUHMwcUthd0x4VVF5SEVtX210Q192SnlzVnZKR2FZNkJHSENVaWR1eGNwdk02azdsd3h3?oc=5) · The Courier-Journal
- 2025-08-30 [Where to watch Louisville college football streaming free today; kickoff time, odds - OregonLive.com](https://news.google.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?oc=5) · OregonLive.com
- 2025-08-24 [Louisville Opens as Massive Home Favorite vs. Eastern Kentucky - Sports Illustrated](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOTW9UOElQQ0ozamlEYVgyU3pGTE1aMm5LamtWLWtkUWVEdlZwaFpUdC1vMTN1VnhDUW41NS1TbEZhVmtGUDRfX2dCMEROTDJGeHRTYlBfLXR4RGQzX0lfazZpRUJ4Z2Fza2s1RUZxbXFuSEVLclMyTkltSElxVFR3a1NRbTgzLVAw?oc=5) · Sports Illustrated

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19280 (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/16.json (key "19280", 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=19280
- 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