# READING
CINCINNATI, OH · NCUA charter 21503 · asset band <$50M · latest filing 2017-09 · stopped filing after 2017-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/reading-21503

Who the members are: federal charter, multiple common bond, organized 1973. 758 members of 1,600 potential (47.4% of the field); checking penetration 7% (share draft accounts per 100 members); loans per 100 members 17.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $6.3M |
| Members | 758 (-5.6% YoY) |
| Full-time staff | 0 |
| Net worth | $893,576 |
| Net worth ratio | 14.1% (p60 of band) |
| ROA (annualized) | -0.77% (p9 of band) |
| Total delinquency | 3.11% (p84 of band) |
| Net charge-offs (annualized) | 3.54% (p97 of band) |
| Loans / shares | 16% (p4 of band) |
| Cash / assets | 6.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.32% (p22 of band) |
| Operating expense / assets | 2.29% (p20 of band) |
| Vehicles % of loans | 37% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 3.30% (p89 of band) |
| Vehicle NCO | 0.00% (p24 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 60% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 34% |
| Average share balance | $5,292 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 17% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $6,670 |
| Loans granted, annualized | $344,201 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | delinquency 2x band |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 6 | delinquency rising, assets shrinking, members leaving |  |
| 2017-06 | 5 | loan book shrinking | delinquency 2x band, delinquency rising |
| 2017-09 | 6 | delinquency 2x band |  |

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

- 2026-04-08 [Finanta Opens Third Credit Union Branch in Pennsylvania - CUTimes](https://news.google.com/rss/articles/CBMilgFBVV95cUxNcEJtVEhrZVgyYXFwSWlaZEQyUUMwTFo5Z19NeWR5Vk50RFdBU3ZQS2dxaHZoaWdxLTNYMHdBNmxoWHVYY3pkSFl3SzBjdWdJNWVrdWFKanA1SmQ4YkhnM0NLZkIzMEE4SEdBckdCOE1sVTBBSXB3V1RnUWlTYVRkeE1rREpSTUxwN0x0LXlCR2hvVFZMeWc?oc=5) · CUTimes
- 2025-12-19 [Scrappers Announce Partnership with Ohio 529, CollegeAdvantage to Support Youth Education Initiatives - MLB Draft League](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPVVJqUU9SQTFYZFhXMTg2blk0RHNNdWQ1UkJGc2wyRm5UQTVBSzlkZTJoSWdYZ2VsZGRrR2ozQVZ4QXZuQ0RGX2ZQXzBIYlN6RE1iXzBYU3l5MDJwYkpCZkdPREhBU1RSRTkwbkhNNDZZbWlhT1BmeFk3Z0lWXzU5YXdfaFNya013YUdMQ3Bad3NkZkE2VFFfWkV2YWhjTGQ5UnhhaC1WWWZCaEJkMEhNejBBS3VpUS00c01VZjFza2xtS2RGb2VYUTByUFFOZVBqZ1JiYnY3MG1CdkxFdnQwRV90eEZoeTQ?oc=5) · MLB Draft League
- 2026-04-01 [Local credit union teaming up with United Way to support childhood reading - WKBN.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxNMWFHaGs4ZGM0ZmpDaVFldXRuTlc4d0x1QzZhM3ZtdEdtU1E0Q0E4Vk9XbkQ2SWJ5X0R1a1BpbG1IR3RwMndCcS1SV1cwb1VoWC1HT3YtTklmUlRYX1JEOFRJY2E2MTZfeEszWU1VTndPQ1B0WUw4d2VFN1IzeHVOTzZHTUxMWm5sY014NkFja09yejZlaElRUWhlUGhhd3dRUlFIeV9kaXpxUWJvSml3Yg?oc=5) · WKBN.com
- 2026-02-11 [Quack Open a Book and Read presented by FirstEnergy to start on February 11 - MLB.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQTFd5X2UyYWgxZWZuSFMxMFRST2ZCZ1EzM1ItZ2tDMFRYR0dEbGc5N2wzeTFuVHFPXzVuVkcwTHFMTXZFUVBieWliV0U4RlBqdkE4Y0paX09YeHBoaUtuMmtfNFZUczMzLU14T0s4Yk9UbGt6NThsWWVuNUlhbmo4SEVLUXFGcG8?oc=5) · MLB.com
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- 2026-05-17 [Moratorium passed on data centers in South Point - irontontribune.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQdUE5MV9LN1dZUG9jMXVVdUxxdjQzTDlDckJ2SUFQa1U4N1kwdzd4ZUw4RXVjWXlRTnRna3F0d3JqUHppSFU0SWJCUDJjekVzRkUzNlhPMEhGcFBPdWk1aUJNb0NUR0E2U2RZRUFqYVo2T1NoSHF3eTNNX3VjVEJZajlJQkp2S2xqY2VJLVU1QUE?oc=5) · irontontribune.com
- 2026-04-03 [New stadium name, new stars signal new era for Akron RubberDucks - Yahoo Sports](https://news.google.com/rss/articles/CBMihAFBVV95cUxPOTE2ZFlVMjgwZjVCV0x5d0VkeS1ET1NPODFHdFpPeUNoaFhlZ1FhZnRPa3ZnbDJmWHpuaTYxVVJpOGdDNlB4VktJSHBiejd3TmxJb2RTN2dUUXBPdXZYMTlRaDNhLWRrQTV5TzBtUVc5U1Y2eUJERU9hd01ZTzJtLTJKU1Q?oc=5) · Yahoo Sports
- 2026-03-16 [Suspected serial robber accused of targeting banks, smoke shops - WKRC](https://news.google.com/rss/articles/CBMinAJBVV95cUxNS3cxZEltN2VVRk9sQzM5S29VVC1jenlIVzlPQjRzd2JyTVVoMXFUdGYtUmxsU2MtWnQ5QmFocHcxVE8wVFB5ZUVjVTFnRU4yNXlqbXVHVzBKdHVwdHRTM2o0eE8tLUdqanlqZkZvN3dxUDBlQnlsNlNKUkxwZE4xX001RGJJbENsTnBPZlcyRVprVUx5c1lDWjhwNFRXaXRmVFI3Y1NabkdINVRKY0U3WGlPeG5DQjJPdVpoVHpsa0hfTktjR2ZZUVhLc0dMSEN0cHFsSDROaFczRXd4dVN5Z21wT25kUzNhM1JIUTRKS0xMQ1FPRGRmaXRMTVlJVzcyZ002aFJSZnNBZ2oyRGVlRXZiN2ROTnVMN3pxNQ?oc=5) · WKRC

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21503 (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/63.json (key "21503", 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=21503
- 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