# DILL
ROXBORO, NC · NCUA charter 20575 · asset band <$50M · latest filing 2021-03 · stopped filing after 2021-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/dill-20575

Who the members are: federal charter, manufacturing (single sponsor), organized 1971. 160 members of 1,000 potential (16.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 34.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $866,231 |
| Members | 160 (-36.0% YoY) |
| Full-time staff | 1 |
| Net worth | $127,848 |
| Net worth ratio | 14.8% (p67 of band) |
| ROA (annualized) | -19.06% (p0 of band) |
| Total delinquency | 0.00% (p10 of band) |
| Net charge-offs (annualized) | 8.63% (p99 of band) |
| Loans / shares | 45% (p44 of band) |
| Cash / assets | 60.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.74% (p88 of band) |
| Operating expense / assets | 18.12% (p100 of band) |
| Vehicles % of loans | 74% (p77 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% (p20 of band) |
| Vehicle NCO | 9.64% (p100 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 26% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $4,168 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $5,985 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)
- **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 | 2 | losing money, charge-offs p90 |  |
| 2016-06 | 3 | delinquency 2x band, auto monoline | charge-offs p90 |
| 2016-09 | 3 | net worth falling | delinquency 2x band |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 4 | charge-offs p90, members leaving |  |
| 2017-06 | 3 | net worth falling | charge-offs p90, members leaving |
| 2017-09 | 6 | delinquency 2x band, delinquency rising, members leaving |  |
| 2017-12 | 5 |  | net worth falling |
| 2018-03 | 3 |  | delinquency 2x band, delinquency rising |
| 2018-06 | 4 | assets shrinking |  |
| 2018-09 | 4 | net worth falling | members leaving |
| 2018-12 | 3 |  | net worth falling |
| 2019-03 | 4 | expense trap |  |
| 2019-06 | 7 | delinquency 2x band, delinquency rising, members leaving |  |
| 2019-09 | 7 |  |  |
| 2019-12 | 7 |  |  |
| 2020-03 | 8 | loan book shrinking |  |
| 2020-06 | 7 | margin squeeze | delinquency rising, members leaving |
| 2020-09 | 8 | net worth falling, members leaving | loan book shrinking |
| 2020-12 | 8 | charge-offs p90, loan book shrinking | assets shrinking, delinquency 2x band |
| 2021-03 | 7 |  | margin squeeze |

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

- 2022-10-30 [South Carolina county could restrict children's books 'promoting sexuality' - WLOS](https://news.google.com/rss/articles/CBMi8wFBVV95cUxNNzF5NEtkTEdGbDVUd19LNzVtZ0I5b054SkhWRDRhaDJpa3hUUFlIdWJvb0RPUzlvNDRKSVk1VDhhbUhXMzlpNm5BeFhOc1E2dVVoSFI0VGdIWHR0MHNjSmRVX0tLX3kyZUR5NGdreVl5dDNNRFB2XzhtaFpwblphd25vZWFKYnY5amF0MzYyU3RwWWRKYkxpXy1ZX2huQlJUcE9BdnczaWRQMFlVbFE2MnFfdW41bHVvajVNZ0d3SUpYaEVxeEI5UkZVcklNZ3NGR1dTZU4zY0R2bTdOQWk5VU1zZGExNE9wQWRXRzQwOGJBRlU?oc=5) · WLOS
- 2025-09-27 [Where to watch Georgia Tech vs. Wake Forest today: College football free stream - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2023-09-26 [NC State Fair lists new rides, including 2-tiered carousel - WRAL](https://news.google.com/rss/articles/CBMiT0FVX3lxTE5tLUc0bW1XQzRtNEtaXzZoR0l2Snc5and5MkdtYUJNS1BadTQ0VnZhVHJ5cWQyQ1JjNTRGOFIwVVE5Sm41dzM4SGo1YzBNVnM?oc=5) · WRAL
- 2006-06-25 [Brown-Dill - GoUpstate](https://news.google.com/rss/articles/CBMie0FVX3lxTE9SaHRMT21mdlhyNkdma2lJcmdacUFMN0tROC13NjhaM3Zudi01UTgyeG1xSGVZSWMyQTJrWmhPaGtOd3Azd2NmS3NjaVhiQzJURV9Zam16RW1KTE9uZWdNZnNidG5rMmZzRGRYbkZkOFlkRG1aU3RHNlo1bw?oc=5) · GoUpstate

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20575 (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/31.json (key "20575", 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=20575
- 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