# ANMED
Anderson, SC · NCUA charter 21508 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/anmed-21508

Who the members are: federal charter, multiple common bond, organized 1974, low-income designated. 2,546 members of 8,500 potential (29.9% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 165.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $16.4M |
| Members | 2,546 (1.1% YoY) |
| Full-time staff | 5 |
| Net worth | $2.3M |
| Net worth ratio | 14.1% (p45 of band) |
| ROA (annualized) | 0.69% (p55 of band) |
| Total delinquency | 0.08% (p24 of band) |
| Net charge-offs (annualized) | 0.02% (p53 of band) |
| Loans / shares | 73% (p71 of band) |
| Cash / assets | 35.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.77% (p46 of band) |
| Operating expense / assets | 3.56% (p47 of band) |
| Vehicles % of loans | 87% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 5% (p89 of band) |
| Vehicle delinquency | 0.05% (p34 of band) |
| Vehicle NCO | 0.04% (p70 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 92% |
| Certificates % of member funds | 8% |
| Average share balance | $3,739 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $114,694 |
| Loans outstanding per 100 members | 165% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $2,451 |
| Loans granted, annualized | $4.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $114,694 outstanding purchased (4.9% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 1.7% year over year.

## Flags firing in the latest filing

- **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 | 2 | net worth falling |  |
| 2017-03 | 3 | losing money |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 | delinquency rising | losing money |
| 2018-03 | 3 | assets shrinking |  |
| 2018-06 | 1 |  | delinquency rising, assets shrinking |
| 2018-09 | 2 | assets shrinking |  |
| 2018-12 | 1 |  | assets shrinking |
| 2019-03 | 1 |  |  |
| 2019-06 | 3 | delinquency rising, members leaving |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 4 | losing money |  |
| 2020-06 | 6 | net worth falling, margin squeeze |  |
| 2020-09 | 5 |  | delinquency rising |
| 2020-12 | 4 |  | net worth falling |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | margin squeeze |
| 2021-12 | 5 | net worth falling, margin squeeze |  |
| 2022-03 | 6 | delinquency rising, loan book shrinking | margin squeeze |
| 2022-06 | 4 |  | delinquency rising, loan book shrinking |
| 2022-09 | 3 | delinquency rising | members leaving, net worth falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | losing money, delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | assets shrinking |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 | net worth falling | assets shrinking |
| 2025-09 | 2 | margin squeeze | net worth falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | margin squeeze |

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

- 2026-03-27 [Kathryn W Karpik Obituary Jun 19, 2012 - mcdougaldfuneralhome.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE1ZSFN2R2dOVUlwVlMweWluYVFseTlhVFFPd1A1dmtCVFVYNS1HOHNWc2VscDhNWmhLZjZZUl9ISVFqRzJrRk1KdjNDcE9Ra0pZWi10TFBWbHd2X3kwWXJKcnV3b1c4dTNsMjR3LWtDQQ?oc=5) · mcdougaldfuneralhome.com
- 2025-09-10 [See photos from Best of Your Hometown Community’s Choice Awards in Anderson - Independent Mail](https://news.google.com/rss/articles/CBMi_AFBVV95cUxQZVNxbHdZb3FER2psLThOYm92VUNPZUN2LUgwcUxLa2E1Y2pEVS1acUlhb1ZxT2F3cFJNbHp6ZmxYZkFZQVV0VTBoaU5rNW9sNklmRHhIXzVTczZrbEFaZmotLUsxUWVUTnlXRTVwSmZhRlN2emFzN0VKd0NXVjNuQ3Juc3NNSWUzQ01IemJZcy1KaFdxVkJOLWdabmgtM1NWdlpOZEVIQWMxOExNdTBEVjMzX1FFR3AwdjBreXBZUXdZYmlsX2x6SHhBLWZJZjVsb0VSak85T3dEYzc0SUlOeWlOM1VyZjAxWHpSU21hUEs2R203VklZZ3hiREc?oc=5) · Independent Mail
- 2026-03-30 [Millard Smith Obituary Aug 26, 2006 - mcdougaldfuneralhome.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE01TF8tUExIN0FseUNzTTlfTTlMUG5MZFNQWWZSallvUWsyRjhSdE1LMUhkNU42dGhoVThSeldTTnJlMDRqTHpCR1FqaFA2NHRfbTdiTmRwajNsUU5UZjdkT2l4Q1BCbDgwcmQwazZ3?oc=5) · mcdougaldfuneralhome.com
- 2016-12-14 [Wendell Ray Partain, Sr. Obituary December 14, 2016 - Berry Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5vQmJvbnFnNWpTa0I2Vm1iblZWd0wtTDhwd3Z6RWk5b2JIWENBNE1MVWdLZ1dTN01RSXdZellIbnY3c2l0NGF4eV9RZTJnT3BBV040cjZGSGFiUzd4Z0dnSlg1YzVsQUhE?oc=5) · Berry Funeral Home &amp; Crematory

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21508 (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/4.json (key "21508", 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=21508
- 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