# TEAMSTERS LOCAL 92
Canton, OH · NCUA charter 19430 · asset band <$50M · latest filing 2025-12 · stopped filing after 2025-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/teamsters-local-92-19430

Who the members are: federal charter, multiple common bond, organized 1969, low-income designated. 518 members of 1,500 potential (34.5% of the field); checking penetration 10% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *stressed*. Composite score 12 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.7M |
| Members | 518 (-6.2% YoY) |
| Full-time staff | 1 |
| Net worth | $-296,881 |
| Net worth ratio | -17.4% (p0 of band) |
| ROA (annualized) | -30.48% (p0 of band) |
| Total delinquency | 2.27% (p79 of band) |
| Net charge-offs (annualized) | 9.74% (p100 of band) |
| Loans / shares | 73% (p68 of band) |
| Cash / assets | 21.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 8.43% (p100 of band) |
| Operating expense / assets | 21.32% (p100 of band) |
| Vehicles % of loans | 89% (p96 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | – |
| Vehicle delinquency | 2.11% (p79 of band) |
| Vehicle NCO | 7.53% (p99 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | – |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 12% |
| Average share balance | $3,915 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $8,156 |
| Loans granted, annualized | $501,858 |

## 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`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | expense trap |  |
| 2017-03 | 4 | members leaving, loan book shrinking |  |
| 2017-06 | 6 | net worth falling, delinquency 2x band, delinquency rising | expense trap |
| 2017-09 | 2 |  | loan book shrinking, net worth falling, delinquency 2x band, delinquency rising |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 4 | thin capital |  |
| 2018-06 | 2 |  | delinquency rising, thin capital |
| 2018-09 | 2 | delinquency rising | members leaving |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 3 | expense trap, assets shrinking |  |
| 2019-06 | 2 |  | assets shrinking |
| 2019-09 | 3 | net worth falling, members leaving | expense trap |
| 2019-12 | 3 | thin capital | members leaving |
| 2020-03 | 4 | expense trap |  |
| 2020-06 | 5 | margin squeeze, delinquency rising | expense trap |
| 2020-09 | 4 |  | delinquency rising |
| 2020-12 | 5 | delinquency rising, members leaving | margin squeeze |
| 2021-03 | 5 | margin squeeze | members leaving |
| 2021-06 | 3 |  | delinquency rising, margin squeeze |
| 2021-09 | 5 | delinquency 2x band, delinquency rising |  |
| 2021-12 | 3 | members leaving | net worth falling, delinquency 2x band, delinquency rising |
| 2022-03 | 3 | losing money | members leaving |
| 2022-06 | 7 | expense trap, delinquency 2x band, delinquency rising, members leaving |  |
| 2022-09 | 6 |  | delinquency rising |
| 2022-12 | 2 |  | losing money, expense trap, delinquency 2x band, members leaving |
| 2023-03 | 5 | expense trap, assets shrinking, members leaving |  |
| 2023-06 | 4 |  | members leaving |
| 2023-09 | 6 | delinquency 2x band, loan book shrinking |  |
| 2023-12 | 7 | delinquency rising |  |
| 2024-03 | 4 | members leaving | expense trap, delinquency 2x band, loan book shrinking, delinquency rising |
| 2024-06 | 7 | expense trap, delinquency 2x band, delinquency rising |  |
| 2024-09 | 7 | losing money | members leaving |
| 2024-12 | 6 |  | delinquency rising |
| 2025-03 | 11 | capital below 7%, net worth falling, delinquency rising, members leaving |  |
| 2025-06 | 10 |  | members leaving |
| 2025-09 | 9 |  | delinquency rising |
| 2025-12 | 12 | charge-offs p90, members leaving, loan book shrinking |  |

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

- 2026-01-05 [MORE DETAILS: Canton Credit Union Merges With Warren-Based CU - News-Talk 1480 WHBC](https://news.google.com/rss/articles/CBMifkFVX3lxTE1ZWEo0RFdFSTI4bEowb1NKam5ZWk9fNGlOb0Y5Vkl3S1l6bzVJdlZFcGZTN3FfcDM0czlSWWhRdVVaYTFJWUU5UXlNc0JSUUZadmRTTVljbDEzNDFNOTJ2R0k3RUN6eVNVUHl2ZHhWYUgzYl92VWp6SkZ0dngwQQ?oc=5) · News-Talk 1480 WHBC
- 2026-01-02 [Teamsters Local 92 FCU Merging with 717 Credit Union - Business Journal Daily](https://news.google.com/rss/articles/CBMijwFBVV95cUxNdHVqczhubmYwak1jTHVkUVRjemZ0NzJiTFlsODl2ZlZwTEo4Rml3UndwMzVnM05FdzAtQ0tTSUJrMDVfOFE2bzJxWno2eFhDeU82Q1RNWjctb3JfaXp6c0Zzd3R3eEt4ako4WUUwdjNjaW9STkdQalJpcjlDaVBvc0NYWW54bDlHSmwwcllzVQ?oc=5) · Business Journal Daily
- 2026-01-02 [Teamsters Local 92 Federal Credit Union merges with 717 Credit Union - Canton Repository](https://news.google.com/rss/articles/CBMitwFBVV95cUxOZHJtZFhsSkxFYU1BeGx5RWliM1hZMmZrREVvbnNsWi1zaUlucFRNNTBXS1RFZGRpSjZEYUpxb2QyQnJQX3NrOUZwTHBLR1Z0d3NoSmFoMXpCRGRTMF9wclNPUkZPR2NOR09FRnU0ZC1SWjh6TzN4OWtHbGhTcWxCQnk2OE9weHVmOFlTVERFY0lNNlV6a1FwWnBZOWJvRGdidWRlZTdBNzduNkM5WnFRbFBnZ0I5VUU?oc=5) · Canton Repository
- 2026-01-04 [Teamsters Local 92 Federal Credit Union merges with 7 17 Credit Union - Mahoning Matters](https://news.google.com/rss/articles/CBMidkFVX3lxTE5iaVppdkUyd3VMaEtwLWQ1NVZCa3VydEV2bFJDRkotQ0kyOWg3ak1FemF6Mm9fekhWclpwZ1N5VXpVY3B6TkhVUXhCSzBrR2JTbHZUTnhyVW9kaGRKYTIwc2FXU3NIQWNOTjMxMHJRd3JaYVRHT1E?oc=5) · Mahoning Matters
- 2026-01-07 [Credit Unions in Three States Begin New Year With New Mergers - CUTimes](https://news.google.com/rss/articles/CBMingFBVV95cUxQNG1SUWtoMVZWNWFuUXo3aTFXbzFpcUt6QXBld2tEbS1PNDNRVjh4b3ZXX3BZZ1I5MVVhcFFBcjdITmxYTzNlRTAxXzNla1U1bUxzaXdxVjdmRUJ3UTdJcndEVFhqQTZtRXVPTWJmSi1KaWtwMElSdTNXRUZ2M0pNb1R4ZnN0UmpIRXJaaHVWQy0yRU00WlNrNmtsa3FzUQ?oc=5) · CUTimes
- 2026-03-09 [7 17 Credit Union reaches milestone: $2 billion in assets - CUInsight](https://news.google.com/rss/articles/CBMinAFBVV95cUxOSjRnT2ZTU3JEd2toSGEwUklGRTFYYVNkTEdWWEs4MTBHNDNESEtERV9SUDJqY0dPZTVQV2ZXNzZUSE9YYko1VFlNeVdSdXdJOFVvT3Y3d1phNUZkZTMya1U4UTlhUTU0MkNzUzBfZzJDLUtfMUtJT2hlaGRqXy0wU2FpMC1rbVhNV3p1WVAzQ2UyWEZJQmhlVmZnbEw?oc=5) · CUInsight
- 2026-02-12 [7 17 Credit Union announces merger with Geauga Credit Union - WKBN.com](https://news.google.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?oc=5) · WKBN.com
- 2026-03-05 [717 Credit Union Surpasses $2B in Assets - Business Journal Daily](https://news.google.com/rss/articles/CBMifkFVX3lxTFBoR1lXbHdieGtPWlJobjA0UjVWVENKMThyQVJlOVc1bjdEWGJFaG9ZZkJNU0tLZnlPZS1tZ2s3akM3UTB4ZzNZRUJFMGpaeHlmTWNLQnREbHIwT0l2X2hnRTN0WFkzN29jUnFVb3NLVVdKalZRTlMtQXlVVHU5UQ?oc=5) · Business Journal Daily

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19430 (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/38.json (key "19430", 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=19430
- 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