# JEFFERSON COMMUNITY
Madison, IN · NCUA charter 19319 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/jefferson-community-19319

Who the members are: federal charter, community charter, organized 1969, low-income designated. 2,108 members of 52,000 potential (4.0% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 38.

**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 | $18.3M |
| Members | 2,108 (6.7% YoY) |
| Full-time staff | 5 |
| Net worth | $1.9M |
| Net worth ratio | 10.2% (p18 of band) |
| ROA (annualized) | 1.34% (p81 of band) |
| Total delinquency | 0.04% (p20 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 72% (p70 of band) |
| Cash / assets | 33.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.94% (p53 of band) |
| Operating expense / assets | 3.85% (p56 of band) |
| Vehicles % of loans | 82% (p87 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 | 11% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 93% |
| Certificates % of member funds | 0% |
| Average share balance | $4,446 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $14,759 |
| Loans granted, annualized | $5.3M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | net worth falling, delinquency rising |  |
| 2018-06 | 2 |  | net worth falling, delinquency rising |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 1 |  | thin capital, delinquency rising |
| 2020-03 | 3 | thin capital, losing money |  |
| 2020-06 | 5 | net worth falling, margin squeeze, loan book shrinking | losing money |
| 2020-09 | 5 |  |  |
| 2020-12 | 6 | delinquency rising |  |
| 2021-03 | 8 | capital below 7%, delinquency 2x band | loan book shrinking |
| 2021-06 | 2 |  | net worth falling, margin squeeze, delinquency rising, capital below 7%, delinquency 2x band |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 5 | capital below 7% |  |
| 2022-06 | 5 | delinquency rising | net worth falling |
| 2022-09 | 3 |  | capital below 7% |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | assets shrinking, members leaving | delinquency rising |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 |  | members leaving |
| 2023-12 | 4 | members leaving |  |
| 2024-03 | 5 | losing money, delinquency rising | assets shrinking |
| 2024-06 | 4 | assets shrinking | thin capital, losing money |
| 2024-09 | 3 |  | delinquency rising |
| 2024-12 | 2 |  | members leaving |
| 2025-03 | 4 | losing money, members leaving |  |
| 2025-06 | 1 |  | assets shrinking, losing money, members leaving |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-08-31 [Northern Credit Union sponsors new Watertown arena name - InformNNY.com](https://news.google.com/rss/articles/CBMibkFVX3lxTFBxV3BvTVFIV2xPQUtaeDVyZVJJWk42SkpEVFN3bVNOUGpXeWNCVUx2TGlabnBlQTk3elpQU0FRbmRJeGdNVFVJRllsZVlQU05mZFUtU3JjcHUyelVRbVJmWXdxa2JtWXk3V1ZIMjFR0gFzQVVfeXFMTk5wUy10bkFQWHl1QkJmblYxVi1oOEd2bWVTU2dESHc5M1NRWmx3QmwxenJlVkQ5am55dG1mUXF1eU9ncUtUU0gzMDZqN3VLNTUyYWJkdFhidEdsd1dEZTFxMl9yRHYyT3c4WkZ3OE5NUS1CRQ?oc=5) · InformNNY.com
- 2026-06-03 [Jessica Toper | ESL Federal Credit Union - rbj.net](https://news.google.com/rss/articles/CBMidEFVX3lxTE9aN2hnMVFzd3JKaUl3XzBkeGx0Z09ZQ3E3UFN2Q2ZRLUhpVlVHd0VJcGNwSzkzblpyU0RxUW43TnI0NWVOQ3NkNzV6TUNfeFRlN0IwWmR0YU80dHA1TFk2a0o2Q0haSXE2OUw5SUphdFNGUTVL?oc=5) · rbj.net
- 2026-03-31 [Facing the music: Alder gives no apologies for blackface - Daily Jefferson County Union](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNeDVTbFo5YWU3NDhOZWpsT2JXS1FLOTZ0QXZacnNLeDE3YUtKdGhTTm9BYVl5a2Jkb3pPaDdnbzB5d3dmTGhmWGIwVUdQX3lfZEJmcG1iNkJMVWhWaDVpMnJNRGNlVzZPVlRQRnY2WTlYX3ZyWVQwRUJrc01Tc0JvT2I1SjQtUXZHTjNnek9tR3FGNzBudFdHdXVZX0dRNE5DQXhOTEhUZXBmenA1dURUa2xiWUU4R1g3VHRoOUVFNHAyUXJoUmFhbDdQbU9QNFYwWWNYZHVBZWxLd1E?oc=5) · Daily Jefferson County Union
- 2026-03-10 [College basketball: Jefferson CC women back in national tournament for 3rd straight year - nny360.com](https://news.google.com/rss/articles/CBMikgJBVV95cUxOLXNmb2ltb250ODQ2MTRWNTIzTkRfM3ItSjY5bVhBQndGdkFtMU0zLUlxelcyQ3FSS2NqZXZPYVZwTlBrX3ZtdVhKY1lJdjhkdGVjcjBHbTNaazBVX0YxLUlUdWN0RzQ3MmUtcnJacFZleEYyUjRfQ1duR0JCSmZhdDBncXJqLWVCRklsVHA5WDNwVmowRXd5TkQzenlZbE1aMENRaWdqMi1PRmZrLWEyeXZuUmwyd3NFWmdMZEhnaXVfcnptLXdabnVMQmd2d09EdnRIMEpnTTV0bDM5RnhXdjJYRjgzYldZY2Jnc2c4ZjZiQTlIWWQwV002MVRFR3Nad2ZZcFZwcklEWHc1VzBBM05B?oc=5) · nny360.com
- 2026-08-21 [JCC hosts sixth Cannoneer kickoff to welcome freshmen - InformNNY.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQYWlpcnZZMEF2c0NTVS1SNDRXcXd5eVMxS3IwNDNyTUxvb3hVQUR6c0RNeGhNZ21ZdFJaRkx5U0FGa3pVVnhYN3Ntd3lFc1N6cXBoekRPRjE0RnVuckJUdWtHX0tvY1JMeW5oTUVkMjJmS3JvUVQ4cmt4cWVRdFFfdE9CM1Mwem5iZUxNWXNXRVZXQlMtVVd30gGcAUFVX3lxTE5hZUdlOElEckc1aTF4U3hFS0dwT0k4YnBfejFCa0JzX3pobmZWdGd5SlkyUHNkQVRLTlBWYzQzM0xQekczblN3MEZnN2pXaUI3TGIxUGRobmQ4WmJmU2ZjY0R0T183R3R0Zzk3cHRYR0hXNjNyaVl1aFJ5ZWVJZEFBZUNVaG1XejRtWU5aVmVaOFBUTXQ3TUxwcjVfVA?oc=5) · InformNNY.com
- 2026-06-16 [7 After Noon: Concert in the Park returns to Watertown - WWNY](https://news.google.com/rss/articles/CBMihAFBVV95cUxNN281Q0lXTG1qdzhtbXVsdjgyczlFQ0VIRG1WYVRmdEpsNi1TV3lFYndpZHZVNmYyeWM2UVhNSXVYOTBJZUs3Mkt5WWF1QkwyS0I4cTBpb2w3RU5uSHNCazZfZ245anNaRlVWbXVMNU9rRDRHUUxRZWJkS3BQTi1yX2JZZ1PSAZgBQVVfeXFMT0ExQ1dRaEYzaDJQY1dIN1JwWl9xOG5LRDFkbXh2TThtdzNjTUVuMUFDcGRFQnpMOFh5VFpuQ1Vmb1VUUzk4YjRWaENTaTYyUThHVE55TjlpcWZOYWkzNG1vcXE0NUZfeXZacjRYbUxTOERWbTdGbFdHdGdabG1fUVlCY1dvRHZBa3l6OFJTa1B5YUpBeU9oMmw?oc=5) · WWNY
- 2026-08-13 [Wilbur Miller Obituary (1934 - 2026) - Goshen, IN - The Elkhart Truth - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPUDFhbGxUUzA5NmhOLUlGdlFGeDU3djlvdUxnUDF4QlNCQTYxcXljcml6ZnhJNWZpSk4tNEdYbGpIMWVKU3hrb3JGTFhTeUlLejEyZlF3WmFWemNJQmRZQkU4UER5NzdRLWxuRFVYZGM0MjVXZm12S0xsSEQxQkZBT28zWGZKUWtYNUk1LUtsMXhzOU0?oc=5) · legacy.com
- 2024-04-22 [Jefferson Community Youth Leadership Class of 2024 Graduation - Biz New Orleans](https://news.google.com/rss/articles/CBMikgFBVV95cUxNTnNPbmZ1MXZ5UjVhRE1xNktaUWw4cGxNaENWOGVqQkM0TU1HUUVKWFR0UWRtV1dqa3ZVLW9RTlp6T3g1RWdFNlN5WGJ3UXR3RmZBZ203Rko1aXVic0c3VGJ3ZnBfY2tSN0MyUmljU3UyVEVXbTJ6LWNkWG9uZl9pVmQ4bEU4aXpweUQ5MjJVeEFhdw?oc=5) · Biz New Orleans

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19319 (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/55.json (key "19319", 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=19319
- 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