# FINANCIAL HEALTH
Indianapolis, IN · NCUA charter 20793 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/financial-health-20793

Who the members are: federal charter, multiple common bond, organized 1971, low-income designated, minority depository institution. 6,544 members of 322,319 potential (2.0% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $31.5M |
| Members | 6,544 (-12.0% YoY) |
| Full-time staff | 17 |
| Net worth | $3.3M |
| Net worth ratio | 10.6% (p20 of band) |
| ROA (annualized) | -4.42% (p2 of band) |
| Total delinquency | 3.08% (p87 of band) |
| Net charge-offs (annualized) | 9.78% (p99 of band) |
| Loans / shares | 44% (p29 of band) |
| Cash / assets | 24.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.88% (p84 of band) |
| Operating expense / assets | 8.71% (p97 of band) |
| Vehicles % of loans | 64% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 4% |
| Third-party paper % of net worth | 21% (p92 of band) |
| Vehicle delinquency | 3.20% (p88 of band) |
| Vehicle NCO | 13.37% (p100 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 11% |
| Average share balance | $2,022 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $411,052 |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $3,264 |
| Loans granted, annualized | $539,508 |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $411,052 outstanding purchased (12.3% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares -4.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | expense trap, delinquency 2x band, charge-offs p90, auto monoline |  |
| 2016-06 | 3 |  | auto monoline |
| 2016-09 | 5 | repo signal, auto monoline |  |
| 2016-12 | 5 | net worth falling | auto monoline |
| 2017-03 | 9 | margin squeeze, delinquency rising, loan book shrinking, auto monoline |  |
| 2017-06 | 7 |  | delinquency rising, auto monoline |
| 2017-09 | 5 |  | net worth falling, loan book shrinking |
| 2017-12 | 6 | losing money |  |
| 2018-03 | 6 | net worth falling | margin squeeze |
| 2018-06 | 5 | assets shrinking | repo signal, net worth falling |
| 2018-09 | 5 | repo signal | losing money |
| 2018-12 | 4 |  | repo signal |
| 2019-03 | 6 | net worth falling, repo signal |  |
| 2019-06 | 5 |  | assets shrinking |
| 2019-09 | 3 |  | net worth falling, repo signal |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 8 | losing money, margin squeeze, delinquency rising, repo signal |  |
| 2020-09 | 7 | auto monoline | net worth falling, delinquency rising |
| 2020-12 | 8 | members leaving |  |
| 2021-03 | 8 | thin capital, net worth falling, loan book shrinking | charge-offs p90, losing money, members leaving |
| 2021-06 | 8 | charge-offs p90 | net worth falling |
| 2021-09 | 6 | members leaving | repo signal, thin capital, loan book shrinking |
| 2021-12 | 7 | loan book shrinking |  |
| 2022-03 | 9 | thin capital, net worth falling, losing money | margin squeeze |
| 2022-06 | 9 | delinquency rising | net worth falling |
| 2022-09 | 6 |  | thin capital, losing money, delinquency rising |
| 2022-12 | 6 | losing money | loan book shrinking |
| 2023-03 | 7 | assets shrinking |  |
| 2023-06 | 7 |  |  |
| 2023-09 | 7 |  |  |
| 2023-12 | 7 |  |  |
| 2024-03 | 6 |  | losing money |
| 2024-06 | 5 |  | delinquency 2x band |
| 2024-09 | 6 | delinquency 2x band |  |
| 2024-12 | 6 |  |  |
| 2025-03 | 4 |  | charge-offs p90, members leaving |
| 2025-06 | 7 | losing money, delinquency rising, charge-offs p90 |  |
| 2025-09 | 5 |  | assets shrinking, losing money |
| 2025-12 | 5 |  |  |
| 2026-03 | 8 | net worth falling, losing money, assets shrinking, members leaving | delinquency rising |

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

- 2025-11-06 [HawaiiUSA Federal Credit Union Invests in Education and Community Financial Health - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMitAFBVV95cUxQMURsMENweXVGWk44OXJ0ZVQyVkZZWFlMdkdpTmxOeGQyLTJXRGRTbnBPdnAxdUU4MGZDWkZ6bUZ3VXJ1MXo0OC1uRlVtVC1yb0V4WFdWMVZ5OG9RY2RHdkJNNlhtUU12M1haMnNyM01scUZubnVKSmh6eklkcEVSc0psOFg2Vi1LNEE0cl9Ua1lJMDU1dXdaMWxVb2ZRemtkaEw2bk5INEhUM0ZDU0IyekpaS0I?oc=5) · Hawaii Business Magazine
- 2026-04-16 [Start your savings with Educators Credit Union during Financial Literacy Month - OnMilwaukee](https://news.google.com/rss/articles/CBMifkFVX3lxTE1IWVBuLXltN1VYQW91a243ZTMyTmFvWGxhT1MwVjJYNGhaTHFCMHdZX2QzR2tJUVRHWGU0d3JFRU1lRkpPNDFWYTQyMUd3cmJCTTFKanVhZ25IblFYYWUtOEdMbnd2elJfN0VwaDJ0eE1YdU53cHZIOVV1MWo5QQ?oc=5) · OnMilwaukee
- 2025-11-06 [Credit Human Opens 6th Financial Health Center in Gentilly - Biz New Orleans](https://news.google.com/rss/articles/CBMijgFBVV95cUxQTEFBalJLTGcxYTFiNFBhNDhzall4ZkJIRW8yLXNneHJnU1cxdW40c0Z5SDVvbF9DYzRIUVEyQ3p0cjFQek9IWkZnNW8yd25QR1oxWmNFQXUzdmhhQ2J3dXlhSnpnRHQ5WnRKY1dEMVVFNFRWWXFOVkJkZGVaX0xVM2V2OXpaOWRrUWg3NG93?oc=5) · Biz New Orleans
- 2026-03-20 [Financial experts urge regular credit report reviews to safeguard financial health in 2026 - Crawford County Now](https://news.google.com/rss/articles/CBMixgFBVV95cUxOZlczNDR2QUhzcFFMb0h0b0RJVHBiaThkRHBhN3I2bml6WjZuN2d2S09XWXp3QkllUkpoZzExbndwUXVJZUFKWW12ZVpjcFhPWXI1SFItV3EzUUZYY2RxRjhxQ1l5ZF85Y2ZKMnYtcHV4OWxjd0FlZTBySmxTc2RkeVVhRl92SGlod0ttNkNiQlFLYWdYd3dDQTNoOVN4NmQycUN5ZU5fYWpkVEUzdUNNNGVsdHhPTWJqeFEtOUx3MFhvTV9lQmc?oc=5) · Crawford County Now
- 2026-02-13 [Ocean Financial Federal Credit Union Opens 'Micro Branch' Inside Mercy Hospital - Patch](https://news.google.com/rss/articles/CBMisAFBVV95cUxOYmZleEtWUURwbUJuc1pNUk9pWDZ2MzRhZEVIa0Z3TDRQZm0wVU9UNEFrQk93R0xQbzIwalhDNlM1ODdpWUxhbGFlMmJmVENSSkY4ZHFMcVExNUpxajN4REVFR01jTGFCR2dBNnVUb3Vhbnd4WkdOYlFUZDRVQkJ6ZVdjMkt3YkhXbzByRWtOMUtkR0FRZjZMOVVQc3dIU3BSSUQ3RHN4TVlCaDhubUVveg?oc=5) · Patch
- 2025-12-02 [Adopt a saving mindset to build financial health, even during expensive holiday season - FOX 13 News Utah](https://news.google.com/rss/articles/CBMiygFBVV95cUxPMjB1cnJSOGctNGhjeFVFWGJNREI3V3FWby1MNENWZDNSd3p1U3J5WVh6WU9IUWN2UURRWGhoeTFzcHZqUnp6N0ZRbXN4cmlhSFFkQVc5aVdnQnk4TWgybWlVcmpzZUJyYUs4Y1EtRFBPanRrcWxYX2p5X3lpUERDNWo2N2hMRUdkYk5RMGRGQmJIbzU4Z21WWE9GajNDdFdUWHhkTVRRb1hsUHp3N280UU00ZEFRaE05dDFTbEtXRkJGR2M5a3dHRk5B?oc=5) · FOX 13 News Utah
- 2026-01-15 [Credit Human Encourages Financial Health Planning - Biz New Orleans](https://news.google.com/rss/articles/CBMiggFBVV95cUxQcUZySGIyZ2VoUE82ajI2Y0FCSXZPeVNLODNRMVlFUFFXNDFwd0hzSDZOZElqejZCMDZkbGhZT3VLZ0tVbHQzYVd2SmpKWVVTWnFDV0hYbS1UZnU4N1NvTThLMHg2dUluVHFOd0IzRDZZNGZPeWY5Y3ZFdjZUWWdJcmV3?oc=5) · Biz New Orleans
- 2025-02-18 [St. Louis Community Credit Union expands community access to business loans through collaboration wi - SSM Health](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOMGQ4NXpWVVNqalgtSmZkSEFscXB2bXRSaVFmMW82WTZLbjBQdFhCSmlLVlR2OHAxTlBQZ0lhQjJleTg5OXl1a3JFdDRxMDl0SnhoaElNQXM1bGl2VUNaZXowUkxIN0RlVUctV0hDR1IxSTdxZk1kVFdxTXdEanNpRDVVTFlhQ3dhUm9hSGgwWXYwU0hjWGFReTVTaDNYamZMOHdrbGkzNHV2Z3JPbDlLQWFnWmFqZTN4djlvSTVIcjdJTVJYQUNDUXlxYzhPMDZOSDRSUg?oc=5) · SSM Health

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20793 (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/57.json (key "20793", 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=20793
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide