# PROMEDICA
Toledo, OH · NCUA charter 21226 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/promedica-21226

Who the members are: federal charter, multiple common bond, organized 1973, low-income designated. 6,557 members of 60,000 potential (10.9% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $61.5M |
| Members | 6,557 (-3.0% YoY) |
| Full-time staff | 20 |
| Net worth | $6.2M |
| Net worth ratio | 10.0% (p21 of band) |
| ROA (annualized) | 0.08% (p17 of band) |
| Total delinquency | 0.80% (p62 of band) |
| Net charge-offs (annualized) | 0.61% (p77 of band) |
| Loans / shares | 57% (p43 of band) |
| Cash / assets | 29.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.11% (p74 of band) |
| Operating expense / assets | 5.16% (p89 of band) |
| Vehicles % of loans | 72% (p91 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 56% |
| Third-party paper % of net worth | 194% (p93 of band) |
| Vehicle delinquency | 0.82% (p63 of band) |
| Vehicle NCO | 0.53% (p67 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 12% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 6% |
| Average share balance | $3,725 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $7,405 |
| Loans granted, annualized | $9.7M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, expense trap, auto monoline |  |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 1 |  | expense trap |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | expense trap |  |
| 2018-03 | 1 |  | expense trap |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 3 | losing money |  |
| 2019-06 | 2 |  | losing money |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | expense trap | delinquency rising |
| 2020-03 | 1 |  | expense trap |
| 2020-06 | 4 | net worth falling, losing money, expense trap |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 5 | margin squeeze |  |
| 2021-03 | 6 | thin capital |  |
| 2021-06 | 6 |  |  |
| 2021-09 | 5 |  | margin squeeze |
| 2021-12 | 6 | delinquency rising |  |
| 2022-03 | 7 | 3rd-party paper>100% NW |  |
| 2022-06 | 7 |  |  |
| 2022-09 | 5 |  | net worth falling, delinquency rising |
| 2022-12 | 5 |  |  |
| 2023-03 | 4 |  | losing money |
| 2023-06 | 4 | assets shrinking | expense trap |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | expense trap, delinquency rising | thin capital |
| 2024-03 | 5 |  |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 6 | members leaving |  |
| 2025-03 | 6 |  |  |
| 2025-06 | 5 | net worth falling | assets shrinking, members leaving |
| 2025-09 | 4 |  | net worth falling |
| 2025-12 | 4 |  |  |
| 2026-03 | 2 |  | expense trap, delinquency rising |

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

- 2021-06-01 [ProMedica announces movie night series - 13abc.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE5HOE01VHdoMVJvbWxXLUNaVy00RHVtNktfN0xxN3ptTi02bkZLckRRVTlTbHlYREFhdlY1elZRS2JqUGZjUHhWdmNvSjB3UVpxdkRLeWNjT1otcENZeHFFWkFNVkJZb3FnZGE3NTk5bERDTF9qY1NwTnFhTU_SAZABQVVfeXFMTVdIZHAzMTdBWHRveDl4b3pScFdpbVFfWTJYcFdFektBaE9DNkhleWwtOUFJa28tXzZOLUFLSDd1TFVqY2owVjgyLWltMlRSa3dIczFubTdROHdKSjg4cTBWU2F4WW4ySnYwMUY0dWctZ2wxUGJ4VjNRbVlNRFo3b2tmWUZWUXQ0Ym1FYlgxSGlB?oc=5) · 13abc.com
- 2022-03-24 [Karen E Smietana Obituary Mar 24, 2022 - walkerfuneralhomes.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE52U0s4andKVExsOE5UQ004VjNGMGRSSFl1OEtQM09CM1lsVG1BMzJuRXhPQzZqRWVvRUdTdjRwdDdFc21vcFd5X2xhNjZZWmJQQmVMZVNsX0JUZkxlWDcxWGd4Z1NJX05Td3Nrag?oc=5) · walkerfuneralhomes.com
- 2020-12-20 [Sharon M. (Meyers) Frederick Obituary Dec 20, 2020 - Schaffer Funeral Home, Inc.](https://news.google.com/rss/articles/CBMibkFVX3lxTE4yc1paaHJQOVhDXzZxNGV1MEFWLWFwbUduVzhsX19uSHNTaWxndUEyenIxZDZSTVdqaTZFSUU4aUxUUzl0Mkg2MUZrb3ctNmNQTzI5eUNsVnJXUTZzVXBmOXpkWEM5OUJ1S3RieUV3?oc=5) · Schaffer Funeral Home, Inc.
- 2024-07-25 [Christopher Rich Obituary - Newcomer Toledo](https://news.google.com/rss/articles/CBMiakFVX3lxTE9sTXdvendQVVlUUmx4RGEyUThTQ2hQenM1cmlacEhXb3BDM05XRmFQOFNvQ3VQeUVVLTVCd1JkRE5qNnAxekFYdHlfc2J0am9IVFhldlBZdDVsVGxFQ2NkRnpfak5hVk5ObFE?oc=5) · Newcomer Toledo
- 2021-11-03 [Christopher Rich Obituary (2008) - Toledo, OH - The Blade - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxOOTNXMndEUU13dWpueUYxV1lUcG5PTFkybV9Hak9WR3NwbENsTUtGOUt3NUpad3lsOUZfR0ItVzZQazRmVk9Nbml3cmFtdWNrb2djd1RNSnpqcTJkOHVhUjlPeE94bVRSRGZuOGpvcWNLa1BPNWtGeFFRWE5rOFEwOWQ4VWFaNWJKRV9DcXZuNWxJMHhtbnc?oc=5) · Legacy obituary
- 2012-12-08 [Michael Ryan Taylor Obituary Dec 8, 2012 - walkerfuneralhomes.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE9JTEh2YjZfRnFEbFZsN0ExeXQ2dHB5Sk80VEg2RUFNLTFnVmk0T2I0MXlXMkNGaFlVYTJxLXk2SXdlZnpSa3lrRG5DWklEVVhGNE9xU0x1d1JfcUphcm9hX1NOTU1KQURMWEcycQ?oc=5) · walkerfuneralhomes.com
- 2008-12-19 [Karen Taylor Obituary (2008) - Toledo, OH - The Blade - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxQdWVnOEMyR2pSR0JIMjlnYUdjSlV0RTBKTkwtV3ZYQ1FKdWZ2emVZSVhZcDJGOV9kRDNVbS1CMlJ6YnUyeWZtajhjeVNnTkFYV1BjMkFiemcybWlFWkNpcGlEVlBaaGh1U0pMQVRCbmFpNDE0Tm9pQThsekxsNkNuV1I5MzBxbm9fdjcxUWt6dWQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21226 (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/42.json (key "21226", 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=21226
- 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