# COSHOCTON
Coshocton, OH · NCUA charter 21511 · asset band <$50M · latest filing 2021-06 · stopped filing after 2021-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/coshocton-21511

Who the members are: federal charter, community charter, organized 1974, low-income designated. 552 members of 22,000 potential (2.5% of the field); checking penetration 3% (share draft accounts per 100 members); loans per 100 members 31.

**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 | $1.5M |
| Members | 552 (-8.2% YoY) |
| Full-time staff | 1 |
| Net worth | $105,055 |
| Net worth ratio | 6.8% (p6 of band) |
| ROA (annualized) | 0.26% (p52 of band) |
| Total delinquency | 0.00% (p10 of band) |
| Net charge-offs (annualized) | 0.47% (p81 of band) |
| Loans / shares | 41% (p37 of band) |
| Cash / assets | 30.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.27% (p80 of band) |
| Operating expense / assets | 5.57% (p94 of band) |
| Vehicles % of loans | 50% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p46 of band) |
| Vehicle delinquency | 0.00% (p19 of band) |
| Vehicle NCO | 0.00% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 13% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 89% |
| Certificates % of member funds | 0% |
| Average share balance | $1,816 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $3,371 |
| Loans granted, annualized | $462,200 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2022-02-03 [Credit union offering more services following merger and move - Coshocton Tribune](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOaGM1OUNfd21hX1JJclJTeHdoSEdzYlJCYXp1NHBlU1JWcmdZWmI5SlFLaFpRQm85SGxDN0pCaW1mWDM3SVNxUEFuVWtMSVZoSmh3c3poS3hiSGViTWlhQ1RYcHpWQnZfQi0zNU1CRnNxajZZZUVqeTJHcmc2cG9ORDdUczNLTWpFNi1fREFmQzVURnU0Skxra1pCOVBXbHR4OUFRdWhwNXRPOVZlbEFnNVdjaUJONDk0aDNRSTljdlo0OUk?oc=5) · Coshocton Tribune
- 2023-09-10 [Joseph Wilson Obituary (2023) - Frazeysburg, OH - Vensil-Wagner-Marshall Funeral Homes - Frazeysburg - AL.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQeXdYS3lfenhmUzBWT1BHTUdOQkdXQVVXUGRlVXRlQnVuclRWMWNtWW8xOTJVYTVfa3FqZlFVZUlDVUNnOXFXWXBiM1NDNXpmQ2t1VlZpbFljQlRjNUFTVnJwR01Mc2tRMFlHTjFMNnRqRE0tUWZzVWJHMmZ0R2FSeF95V1E0Y19iLWYwQw?oc=5) · AL.com
- 2025-09-03 [John Francis Spang Obituary - The Columbus Dispatch](https://news.google.com/rss/articles/CBMiW0FVX3lxTE5zeGhWb1VQbVA0bTVIZGxPVW1Yd3dnNXZvekZKQjZBM2hSckw2UXlaSHhtSmRnVW5vUE5RQXIta0pQbnVDUDZrWXlibjBZZy1wLW1LZkV0dFY5VjQ?oc=5) · The Columbus Dispatch
- 2026-05-15 [Our Town Coshocton announces 2026 events, Hometown Perks shopping program - Your Ohio News](https://news.google.com/rss/articles/CBMikAFBVV95cUxPWEFwVnd1U3FDM2xOSnJBUEhLUTUwWUZ3QUU0MTJEc1BmNlkxU3V3QXRQR2YycXR4WDEyUVBfYWtjT1JwajNYSkw3cXk5TGVyaEZLVzFjYjg3R2VmSjBQckdjSDZ1S1JmR0hBNS1XU3VGUGhkQ2tSRnNrM2NQcGxjalJ4STdlZVFCVXROOGc4ai0?oc=5) · Your Ohio News
- 2023-08-26 [Leadership Coshocton County welcomes 2024 class - Coshocton Tribune](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPc182VWFxOVZubmJDdE5KOE9qWFF1RElUdV9ycjYwdEQybVJGSWU1OFlYZ2IwV1YydVZqSWcza3JIMUxxV084al9HS05HV2dVTGcxZTVHemg2cFVwTzlzbnd2MVExcUJNUkhvdHVCaTRNU2JoQmlfN1haSmRrQmpxTEFuVEg1NFJwSFJJblFuMTVWcjhKcjBid1BxNzdzUzhfUmJ4Rm5BODJTM3pLT1hpYU5fVjJ2SU9nOWhtaGFON2pEUk95cUFQdFpZS01JYlhQaEJnYnF5eDRYRk5MTEM4VQ?oc=5) · Coshocton Tribune
- 2024-10-23 [Douglas Wagner - WHIZ - Fox 5 / Marquee Broadcasting - WHIZ](https://news.google.com/rss/articles/CBMiUkFVX3lxTE9ZQ3BQU1VVamlUQXZzd1piMFE1Z292WHBkbVVROWpxZXFib1JCQk9pSXV0bS15RkVZUERZRDdFQWRhcjd5X0EwUkVvX2RQMV9ZLWc?oc=5) · WHIZ
- 2010-01-26 [John C. Kissel, III Obituary Jan 26, 2010 - Geib Funeral Homes and Crematories](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE12ck4tUEhGMnFZYU9lTE95cExYX2xHNEw2U0dZbExHVXUwQkxxZjlVdGo1MEg3S1hpZ2NCRFlEQ2V5UHdVOTZlS29iQzRPMzBzZ3UyeEJuekozekFmaGk2UUY3U29sdjg?oc=5) · Geib Funeral Homes and Crematories
- 2019-11-27 [Arizona company starts Venmo-like service to buy medical marijuana - The Columbus Dispatch](https://news.google.com/rss/articles/CBMirAFBVV95cUxOVGpxaFZ1UFdkTjI4YkxaTUVReVV5NHZfSHFJRFB6eGF3ZXBPelBiY2g3LVBlb3M1Z2wtNl85UG1EQk92OWYtZk0zWkVHY19tdVBYMjgxTU9CWHZhVTRqV2tCcVdxMG14a2I3N1hubXJtTTM2MlprSEkwUDg0cTgyQngwRmM0ZnNpc0QxUUdXYnJPMTU4S2NEQ2s2QWZodEhQQU5GVXFYUXNXSkdy?oc=5) · The Columbus Dispatch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21511 (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/7.json (key "21511", 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=21511
- 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