# EIGHT
Rossford, OH · NCUA charter 20222 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/eight-20222

Who the members are: federal charter, associational, organized 1970. 2,510 members of 5,000 potential (50.2% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $25.2M |
| Members | 2,510 (3.0% YoY) |
| Full-time staff | 3 |
| Net worth | $3.6M |
| Net worth ratio | 14.4% (p47 of band) |
| ROA (annualized) | 1.43% (p83 of band) |
| Total delinquency | 0.02% (p18 of band) |
| Net charge-offs (annualized) | -0.03% (p17 of band) |
| Loans / shares | 39% (p24 of band) |
| Cash / assets | 42.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.22% (p25 of band) |
| Operating expense / assets | 2.18% (p14 of band) |
| Vehicles % of loans | 74% (p72 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 | 9% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 19% |
| Average share balance | $5,799 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $10,248 |
| Loans granted, annualized | $4.7M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)
- **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 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 3 | delinquency rising |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 1 |  | delinquency rising, net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | delinquency rising |  |
| 2021-06 | 3 |  | delinquency rising |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | net worth falling |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 3 | delinquency rising, members leaving |  |
| 2022-09 | 2 |  | delinquency rising |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 1 |  | members leaving, delinquency rising |
| 2023-06 | 3 | delinquency rising, assets shrinking |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | delinquency rising, assets shrinking |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 2 | net worth falling | delinquency rising |
| 2024-09 | 1 |  | net worth falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | margin squeeze |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 4 | net worth falling, delinquency rising |  |

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

- 2026-07-29 [2027 Credit Union 1 Big West Men's Basketball Championship - The Big West](https://news.google.com/rss/articles/CBMiUEFVX3lxTE9mZGoyaGRfQi1MOXRnaGVBY1RrLS1uS3BHbU9ReFZLX1paeGxaVmtlWkthVGhqN0pIcTY1b0ZwdnhvZ181ME8yTnFOSVNTbTdE?oc=5) · The Big West
- 2026-07-07 [Veridian Expands in Minnesota - CUTimes](https://news.google.com/rss/articles/CBMic0FVX3lxTE5ENmYzZlZkRDFaX3hpZFF5RFFkX1F2aF95a3dSQVNQc0piSk9aQjk3Rk1jRDVwV20waUUtWVVZLTdyTzNWSm9mSTgwaVBNbFRzeDNqU2VEcXdjQzZfV0dzbFpXQzNjRTF5bUlYT3R6RzduNW8?oc=5) · CUTimes
- 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
- 2026-07-29 [First Community Credit Union becomes SIUE's uniform sponsor - KSDK](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQRnBybDNpWWJfTHY3THR4d1RHRU5PYmpCWlpONG5KN0tJZ3FuRVlna3hCZnRkYjlid1RGYmc2cmprME9LUmVrMGpoaVhEaUlpbDNJWVlOdWNlRWFkcjFjQ2h2RzZzM2pPOXBSbGNsWW54R1pVWG5oQ3pvaDlPcXMydzJRSW9OeGpKNmVnVTQ2eGVtaU1UblQ3YmhTdjZodWpNUUhtNlpmeUN5MDh6OVVKc3NGWDdWRlVGbExoMWxrV09WYWxfdHR4RUMtdkRqZENCWVU3RA?oc=5) · KSDK
- 2025-12-03 [A legacy of service: Why CME Federal Credit Union is Ohio’s No. 1 credit union - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNNjk5UmtnZFMydU1wMnhLdnc3WFlPUFo0NjZoZjZIM1A2SDlXLUJjbFlseG5DcDlaYUp0bUZDQlVMOWRSdkJzQUJoTmg3VEd3SDlPelNhMTBwU0ZaTGFVdUk3SFBFTTlIMHN4TWNZSHdzT0lJM2RQd0VQZVQtVVpBTFNPQ2pVNl90aW04VUVSeTNSRWt6b2pyMGdMZlB4MnpJNTkydA?oc=5) · The Business Journals
- 2026-06-24 [Appli Signs 20th Credit Union Partner, Surpasses $2 Billion in Member Calculations - EIN Presswire](https://news.google.com/rss/articles/CBMixgFBVV95cUxPUjA0Ty1LMjQxQm5XOEY4bTdJenRpc3pPalJCbXhYMHNvLWFfbU9sNVFfcGtqMTlrd0M4UExDMVB6cjFvUUw5MGZ3T1JTWEszSFVoc0g5VklmUGNzRFRqWFJnLTU3d25oQ2E3VzZCQ29RaVg2WVhvbzZhUFFfVVpNX1lkWmlIMW5nV3BKRjBLTEJIdzhzSlBTRElySXFOblZYSUJtdE1yWThGR0ZfRnV3RUo3N0lQVHFtMnRwVlktM2ozc3FzZVE?oc=5) · EIN Presswire
- 2026-04-14 [Henderson veteran wants to warn others after social media scam drained his life savings - ktnv.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxOSzRFTUlIRkE5ai1sNWJLT2pFU1E5MjNQSTFUQ1ZjSVQ2TEFTTlFreUxua2hTWlVIWnRTamJfM3RmOU5la2IyNWphamZOMXRLbl9tYkprUFNyR29iYndmRkRWOUNWRDZtXzdXekFwUmk0R3JVb1RXN2ZuOVZYa183alJTT0JzVF9Gcm5Yd0JWSmd1dUJRYjREenNfdjctZG0wREdSa0lDa3NGdmJTQzE1ajBhQQ?oc=5) · ktnv.com
- 2025-12-31 [Ten injured, including eight minors, in Celina crash - hometownstations.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPUVNkY21NVWM1aE1xbzZSWnkxdlI4SDZBQVNncWY5T0E4eTM3T0pqcmE3cXk0QUNkVnZIRHY3MzN0NFBXVkdfeW9xMno0TnQ0Y201NFRzVXJUTll1azdZcEFCSEkxaFl4NkhOVHJudnhkQTM5R29hM0JVTE50anREZk9nUW5FV0ZlTlFTN1lvcFNnLXlzS2NSb0FzbEU2RFZETHU4TVFxM2N3dS1ZU2VaUnZkV1lkbjJXRkxtX2lnckhmXzRmVFBOcUlYZWZGNmpra1U5UXRUbFYyWTh6ZmVnU2ptckxYR0E?oc=5) · hometownstations.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20222 (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/62.json (key "20222", 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=20222
- 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