# QUEST
Kenton, OH · NCUA charter 19508 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/quest-19508

Who the members are: federal charter, community charter, organized 1969, low-income designated. 16,927 members of 367,995 potential (4.6% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $242.1M |
| Members | 16,927 (2.7% YoY) |
| Full-time staff | 59 |
| Net worth | $20.4M |
| Net worth ratio | 8.4% (p6 of band) |
| ROA (annualized) | 0.35% (p25 of band) |
| Total delinquency | 1.07% (p82 of band) |
| Net charge-offs (annualized) | 0.13% (p19 of band) |
| Loans / shares | 70% (p41 of band) |
| Cash / assets | 17.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.69% (p60 of band) |
| Operating expense / assets | 4.57% (p85 of band) |
| Vehicles % of loans | 24% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 24% |
| Third-party paper % of net worth | 65% (p46 of band) |
| Vehicle delinquency | 1.43% (p87 of band) |
| Vehicle NCO | 0.34% (p31 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 90% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 17% |
| Average share balance | $5,124 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $124,817 |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $17,912 |
| Loans granted, annualized | $56.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $124,817 outstanding purchased (0.6% of net worth), $260,105 sold and retained. Sold in 3 and bought in 3 of the last 8 quarters. Shares 16.3% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | margin squeeze, delinquency 2x band |  |
| 2017-06 | 3 | delinquency rising |  |
| 2017-09 | 0 |  | margin squeeze, delinquency 2x band, delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 0 |  | delinquency 2x band, delinquency rising |
| 2019-09 | 1 | expense trap |  |
| 2019-12 | 0 |  | expense trap |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 3 | thin capital, margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | delinquency 2x band |  |
| 2021-06 | 2 |  | net worth falling, delinquency 2x band |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 4 | expense trap, delinquency 2x band, assets shrinking | thin capital |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | expense trap, assets shrinking |
| 2024-03 | 3 | expense trap |  |
| 2024-06 | 1 | net worth falling | delinquency rising, delinquency 2x band, expense trap |
| 2024-09 | 0 |  | net worth falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | net worth falling, expense trap |  |
| 2025-06 | 2 | thin capital | expense trap |
| 2025-09 | 0 |  | net worth falling, thin capital |
| 2025-12 | 2 | thin capital, margin squeeze |  |
| 2026-03 | 3 | net worth falling, delinquency rising | margin squeeze |

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

- 2025-11-20 [Quest FCU Broadens Membership Footprint to Include Crawford, Hancock, Putnam, Seneca, and Union Counties - 95.3 WKTN](https://news.google.com/rss/articles/CBMixgFBVV95cUxNUDZncVBuRWtKeExRSHF6MV9uOWxwS3FfUVR1TjlNbUtrYnpWWHFfRGJPeWk0cGdqdDJVdEM3VUZ6bl9val82dHJmWVFGTGF0Ykp3cWs0NFFPMnRBQms0UlJNdWZKY0toUl9zU3VlMDNSRUNsbW1rRTJ4ZjE2V0ZOMFRxa1AzLTY1NWVMUnIyczYxNzZ3S3gySG1BdTROdXo2Qzg5SU1iMlRfcG9Zalh2ZXd0M0N2YXJsTS1JRjQyYUN0cVVXcUE?oc=5) · 95.3 WKTN
- 2026-02-10 [Quest Federal Credit Union warns members of phone scam - Peak of Ohio](https://news.google.com/rss/articles/CBMimAFBVV95cUxQeUFucDltRmpjVVF5YXRoZEQ3cWdmeGprcnVJUDlkcmE1QUt0bmJfV095ZWZiMUFHZVhzOTJOcll0WGd2cE1aOGVIQVBDTkM3Tnd5SWsxMzRRRy1WX3RXbHBUNkgwbWl3Z2RsVTRVWjlleTJobk1Tbm1Qc1RCM0NfVzVlbmctLWg5Y3Yxb1FCbGlmWi1LOWtNZA?oc=5) · Peak of Ohio
- 2026-05-11 [Food Truck Fridays Returning to Quest Federal Credit Union in Kenton - 95.3 WKTN](https://news.google.com/rss/articles/CBMilgFBVV95cUxOc0Q4ekxqVVhRaHFMVVNvc3d0d2ZFWjRkLTZsRFpsajVUWGNDeHl5TXY4Ql9lRzJNSm9JMVZJSk9yVkNNelZkWUpXS25mRnAtQXVNX0xLNWFTQk1uNEIzcDA4ZExLZFdfekVrZWdoQ3ROWjBMeEI2QlhGbE9tRU1FWjdRbXVuaFhiX2VqWGNVR1dXUmlfM1E?oc=5) · 95.3 WKTN
- 2025-08-04 [Quest Federal Credit Union breaks ground on new Carey, Ohio branch - Crawford County Now](https://news.google.com/rss/articles/CBMipAFBVV95cUxNVTNJejI2M0hxaDhEVEYtSkZsaWg4TUpJR0ctLXVod0U5UEpXZi1fa2RDR3FzeTdXNEF5QXBCWjU2QzVfN2dKNnBZcHkwU3BkemxKUHRTZ1BEdHJ2SmNhLTg0M1BGS25OLXR1NWpvVFJsTVpGOFNweWpJalpsNnVhRkpFZ3FkRU5UV3ZHcnVxbXI0TDJMVDdWZzdNdXNGWUpEWENjMg?oc=5) · Crawford County Now
- 2026-07-29 [Godsmack Expands ‘The Rise Of Rock World Tour’ With 10 New U.S. Dates - That Eric Alper](https://news.google.com/rss/articles/CBMirAFBVV95cUxQeEl5bUllY0JGYXNHRTBJalkyTVZsbGRCSHFfS3hSRWlMNnNFMGNsbUdYYlZxZ2ItZXdCbXhZWkZ5UGJLSHBMRXZxUUZ5SHFOS0hjeXZKWkxIbFIwV3NTbFllM0NCamx3b0JERlR2SERfTTFxTk9jSEhfaEhBRUwyNC11TXFXUUNndTNKcHdld2tPdVN4c3BReEJqM2o5c2thMTNtcWlXSllyNXBO?oc=5) · That Eric Alper
- 2026-05-15 [Local teachers celebrated at Logan County Teacher of the Year Awards - Peak of Ohio](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNVXhuY1p6RGVSVV9tQ25DRGJaemNTaXpOQ1MxRmFleVNNbVlCcFVoZ1dsS1VLWUM0Y3RwdmJ2cGZCR2cxQUxUdzlBci1HVUhCVFd2S1ZUcDdCS2Z5enNDaHlvWTMwNVh3MThYd2V2bWlqY3FOcnI5Umk0M0k5eGE1c3NLRlNkRGtQeTVFWS1KMl9mRW1tVkhlalN6NTRndGNjQVhTYWEzOGQ4WW8?oc=5) · Peak of Ohio
- 2026-01-15 [Marilyn Manson + Rob Zombie Announce 2026 North American Summer Tour Dates - Loudwire](https://news.google.com/rss/articles/CBMihAFBVV95cUxPS0pwaG5pQ0EtOEpBYlFVR2dlekNub1VNNWlQbmpZTDNERGw4UVI0dl93bjVUVzNvQjZyNXFfSjZ3cVdDQm5fbG40TGFpNER0LWtuTmJjRFJHVDFkZTlKUTNRLV9ORmdqalQzMDY4Ul9uall1SzJkSElTMnEwUlc1bFU2YjQ?oc=5) · Loudwire
- 2023-04-20 [ONU Theatre closing season with the ‘The Addams Family: A New Musical Comedy’ - Ohio Northern University](https://news.google.com/rss/articles/CBMijAFBVV95cUxQV3VGQmNvSndzNjZCUVFNaDlVNjhwcWlKMHlDS00ybktISG0yOU9nbm1JNWNORDQ2UlpXbGI0Zmt0TUxJLXk4Ymt2SUVWcjIxRlBaM1VKQzZ4S1NWMFlCMktzcXZTeHpKY3VnVWJSMTU1TFcxVm5ZWlF6QWdRN3VMbkhYNS1TQTFUcjBlaw?oc=5) · Ohio Northern University

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19508 (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/52.json (key "19508", 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=19508
- 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