# ALL SEASONS
Indianapolis, IN · NCUA charter 19505 · asset band <$50M · latest filing 2016-06 · stopped filing after 2016-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/all-seasons-19505

Who the members are: federal charter, multiple common bond, organized 1969. 1,361 members of 4,044 potential (33.6% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $9.2M |
| Members | 1,361 (– YoY) |
| Full-time staff | 5 |
| Net worth | $1.2M |
| Net worth ratio | 12.6% (p51 of band) |
| ROA (annualized) | -0.26% (p18 of band) |
| Total delinquency | 0.74% (p47 of band) |
| Net charge-offs (annualized) | 2.32% (p94 of band) |
| Loans / shares | 19% (p5 of band) |
| Cash / assets | 30.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.42% (p28 of band) |
| Operating expense / assets | 4.65% (p81 of band) |
| Vehicles % of loans | 59% (p62 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 2.73% (p96 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 18% |
| Unsecured % of loans | 35% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 95% |
| Certificates % of member funds | 2% |
| Average share balance | $3,971 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $3,008 |
| Loans granted, annualized | $174,274 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 2 | losing money |  |

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

- 2026-08-29 [List of Uniform Patch Deals for the 2026 Season (8/29) - Mike Farrell Sports](https://news.google.com/rss/articles/CBMilgFBVV95cUxNcE5hQkZLeXhDZ29PVTdORWZmUDlteGw2Z1l1UnZFSllCOUtsRTBaa3JkTDJrbWhkSk9SWTZmTGlYRDF0ZjdTX3I2ajQzWTZqT3hhVWR6STV2SXNncWFwd1ltZmpBeFNsYmtaWGUybE5wc2VHcDA3LXJsamgwZzhoT3RuR21fT3VlQ2h6bTc3SzJFZlpNNFE?oc=5) · Mike Farrell Sports
- 2025-12-06 [Warwick's Greenwood Credit Union City Hall Plaza officially opens - WJAR](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQczRNZlVFakZKSlVOV2tuWkdQT2Y4N01tR043elhpOXRNWlZwcGpqVGJxRVhxV1lyQU9nY3puNEdETU5GekxNdDhMYThSQnNVcDBVN0FnOVB5TFNFdVZyVGFZMjJyQ2g2VzR1Q05HQ1NKSFJmWUNkMm9aTElILUVLTDBYTmMwQUwzYlF2UEkteGNXY0FNY3AtaEstLUVwaFVsbVFyV2xvSnBxVkRLeXlheFdFQnlqYk8xcFlreFZmX2M3V1dzRHRmeF9GWUJjUkYwS3R3?oc=5) · WJAR
- 2021-02-18 [All Seasons Garment Care and Tailoring - Twin Cities Business](https://news.google.com/rss/articles/CBMic0FVX3lxTE9NMWtuemR1c2lnNmNQTm5IWnE3QzVlNnlYY1o0YjYteWV0UVYyTXRkcGFnbmxkbE0yNDlKVGxOYjBGd0VIQUpwQnF2Sy0zZXNXUXA0LVhSa1ptcWpyTDRJT2tPM2hXS21VbzFZLWhrSy1pTmM?oc=5) · Twin Cities Business
- 2025-12-20 [Simón Bolívar: A Man for All Seasons – Rebel With a Cause - The Voice St. Lucia News](https://news.google.com/rss/articles/CBMikAFBVV95cUxObzJjWlZick1WSnBEWEVIUjN5VHdkTHM1RHBNRS12ZG9yQkg2ZjJsT1FleXd6ODgtcEw1YWtKZUpYemk3Rkc2akVBaXV3eGNibzgtTTBKcGJ1NlZkOGpKNTJKMXRzM1lsTm4yMDVRMHQtdXVQX1JGSnE0VkdFT1A3Ym1VU1VIcG9LckE5OVJWYXU?oc=5) · The Voice St. Lucia News
- 2023-12-20 [MMFCU welcomes two directors to its board - Brainerd Dispatch](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQdXRPMVFvMmtuUWNxYVdQcFJhZzJublI0UmVoVi1GaWViMm5pMzktYm9MS3pydldXZ1FGSHQxY0E4OUdmUHRBMHZqamRHQ2V0QTdNbDlsTUZlakw1ODNtd1RDUG53TUtreGxEQWd0VjZLeU01eW1GeWNvTGEzNVZLUldsVl8zbkxUMkdQMGl2SG5HbDdHeHZvTDBBck9saC1GdE40dU1YYUpESlFPdG82bFVtbWp0NnpLSjdJQUlpTDBKQU9fSHNPdHljcjhqa0lWcmJJLXlTU2NGUUl3b0FlUQ?oc=5) · Brainerd Dispatch
- 2026-02-26 [The late Pádraig Chití Tim Doherty was a man for all seasons - Donegal News](https://news.google.com/rss/articles/CBMijgFBVV95cUxPdFBlV01wRzhuNTVOOHV6OTlEX2xVQ0Z4cnhnVlNnQ1lTSjE3a2R1dk1IM3pIR2tYRGkwdlVSZjJ5a0Ftd3pqTVhEbFRfYk01TWNodzYtUDIybFpleTJVRUszRUlUbjZRbHVQZVFGLVA0T1kzNHNTODRkWWt5dkVqRkNheE9wZEM4SXhOMjdB?oc=5) · Donegal News
- 2024-09-13 [‘Business of Art’ Helps Artists Display Work in Maple Grove Businesses - CCX Media -](https://news.google.com/rss/articles/CBMimwFBVV95cUxNTk9hc3pyOUZ4LWlHVXlRQV9lWVNIb284Q3NXSEg2MkxKUUF3UEtvdnh6U1QyQ1UxLXVTLTFYVkpZQjZSalJfNThickJrVlByQWs4aDVTLUd3SzVLVmEyRHVlbFVDRG5yVHFPdTZYdEswS29WNnFxNll5am5VejZaUG4wcnNQZjdQYTZlY21VTGZqV1hnSGREdXo4UQ?oc=5) · CCX Media -
- 2023-06-01 [Bleisure Travelers Can Find Balance While Attending a Conference at Vibe Credit Union Showplace - Visit Detroit](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9UcU50Q0JDQm9LMHhYUzE4QTktRHp3V0pfRWQ5em9vZ2xnOFlHRFRjV0REWGtqeEF1R0dHdWtWWjFWOFB1c09tSjV6dEFIclhjVkdobmVEVVJXSGdaanpzMUN3?oc=5) · Visit Detroit

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19505 (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/49.json (key "19505", 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=19505
- 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