# ADVANZ
Louisville, KY · NCUA charter 19853 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/advanz-19853

Who the members are: federal charter, community charter, organized 1969, low-income designated. 9,375 members of 100,000 potential (9.4% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $158.9M |
| Members | 9,375 (-2.9% YoY) |
| Full-time staff | 37 |
| Net worth | $25.0M |
| Net worth ratio | 15.7% (p86 of band) |
| ROA (annualized) | 0.91% (p64 of band) |
| Total delinquency | 0.32% (p25 of band) |
| Net charge-offs (annualized) | 0.16% (p28 of band) |
| Loans / shares | 52% (p20 of band) |
| Cash / assets | 11.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.51% (p41 of band) |
| Operating expense / assets | 3.48% (p44 of band) |
| Vehicles % of loans | 42% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 8% |
| Third-party paper % of net worth | 18% (p46 of band) |
| Vehicle delinquency | 0.35% (p33 of band) |
| Vehicle NCO | 0.22% (p31 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 18% |
| Average share balance | $7,888 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.2M |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $17,491 |
| Loans granted, annualized | $22.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.2M outstanding purchased (8.9% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 1.8% year over year.

## Flags firing in the latest filing

- none

## 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 | 1 | delinquency rising |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | delinquency rising, charge-offs p90 |  |
| 2019-09 | 1 |  | charge-offs p90 |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | net worth falling, margin squeeze, charge-offs p90 | delinquency rising |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | charge-offs p90 |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | margin squeeze |
| 2021-06 | 1 | margin squeeze | net worth falling |
| 2021-09 | 0 |  | margin squeeze |
| 2021-12 | 1 | members leaving |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2022-09 | 1 |  | members leaving, delinquency 2x band |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 1 | assets shrinking |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 1 | members leaving |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | members leaving |

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

- 2020-07-22 [Jefferson County Federal Credit Union rebrands to Advanz - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxOY2RZNkFqR0R3MDRxU2F0YnpuOVdWb0NjOWRlUm1ZbWgtblRPMzhsUWtXbHJZNkNfUXp6X0VaQVdRS3NQSEVueHBGYUhLOHBxVUZsYlo5SkYwSkNWNUh2czczazQ5VkxIaU9OVGNJWmVDX0Y4N2lCdTZxdXZ0VTRvY1pYUWtrSzZXR0lDZEV5a3NmMlpXeE9YOEQ4LWVCbkR0SXJsdWM2ZldjYnRTeXc?oc=5) · The Business Journals
- 2020-07-17 [Jefferson County FCU rebrands to combat membership misconceptions | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMitAFBVV95cUxQQk5KeU1HVnAyZ2swdU9QWXlZLURMN1pHN3NGSWJzbkgwSnd2bkh2bUV4Q3JSZGJOVE9scEtDTU93T2d3NmpzektwSTFXWGVobHFEWjlwMWUtZlBheDh0dlZMcTRaNjVwN2ZPTzlSekItWHM1Nmx1NkRZVHU1SjZpRjFTNUlKZWItRHk5aUFYRS03MVhZamsxdDRha3NPQzdYem5Eck1JVUJuZDc0dzIxbW8tX2E?oc=5) · American Banker
- 2025-11-18 [Mike Laurenz Obituary Nov 14, 2025 - Newcomer Kentuckiana](https://news.google.com/rss/articles/CBMia0FVX3lxTE9LS0J6M3ZOUVNIVk5wN1VvWFloNkZMUUZ6d0FQVmdFZXlNdTJVNGQ4Ni1uR0RnaUh6VGQ2YUVnMjVqdVlLdThBcGtISTJNamhDV2JMbzR4RFFBNXdZSTZrbV8wTURGZGtyMEhF?oc=5) · Newcomer Kentuckiana
- 2021-10-21 [Louisville-based credit union opens new branch - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQb3lfS0x2SEQzYkhweXZWc3hUOW1MYmRoZ1pVMjBIQkxOSXEyLUFua0V1bEZRZ2dhNjk5M0NNczZ6SHJBcjlIRlBJczJXN0tjTlRUWGI3SmVpaEF0Vk9CUlZFRGpCU3RvbC1vcTYycE5CNTg1R0t1bGxJNFhGZVhpTUxvQzB5eUJkUF8wN2tKV2F2YUU0UGRvYTZpX2YyLU90VlFyR05waXd0QQ?oc=5) · The Business Journals
- 2025-01-22 [William Eskridge Obituary - Louisville, KY - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxPNnV5UFBjaV9sTTdoUG5IV2dkQzRqX2I2aTVQS1NTRjFSQ2RiX0E3RWpUYlY2OWJoQ3N0dEtDMDJiR2Qza2p0QThvQ2Fpamg5MjhMSzZ0ZEs1Zm5tUXFDZ1VON2N5VEtWbjVOcnBKcVYzZlo2QzYydTQyNG1FVER4MUp5TUtwRE5BU2c?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19853 (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/13.json (key "19853", 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=19853
- 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