# MARSHALL COUNTY
Moundsville, WV · NCUA charter 21713 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/marshall-county-21713

Who the members are: federal charter, multiple common bond, organized 1974, low-income designated. 2,490 members of 4,500 potential (55.3% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 31.

**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 | $27.0M |
| Members | 2,490 (-1.9% YoY) |
| Full-time staff | 6 |
| Net worth | $3.9M |
| Net worth ratio | 14.3% (p46 of band) |
| ROA (annualized) | 2.29% (p95 of band) |
| Total delinquency | 0.14% (p28 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 42% (p26 of band) |
| Cash / assets | 62.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.89% (p51 of band) |
| Operating expense / assets | 2.02% (p11 of band) |
| Vehicles % of loans | 94% (p99 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.14% (p38 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 97% |
| Certificates % of member funds | 1% |
| Average share balance | $4,941 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $12,559 |
| Loans granted, annualized | $3.9M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | thin capital |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 1 |  | delinquency rising |
| 2021-03 | 3 | thin capital, net worth falling |  |
| 2021-06 | 4 | delinquency rising |  |
| 2021-09 | 2 |  | net worth falling, delinquency rising |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 1 |  | thin capital |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 3 | members leaving |  |
| 2024-03 | 4 | delinquency rising |  |
| 2024-06 | 3 |  | assets shrinking |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 3 | delinquency rising |  |
| 2025-03 | 1 |  | members leaving, delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-07-11 [Deana Carter, Noah Royak and full schedule announced for Marshall County Fair - - timesleaderonline.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxQMjRDTl80ZE9pVmd1aGhQVlJ4bVpxbW5ZTmZ6aFFiSHU1dXdLeVBxMTFXSlYzTGFwQm9aSmh1WGxkTzk3THE2d0JMbnNKTjdFNGpwWjNoaVg2dVRCNUlGb2F6ekZLU0kzaUc2THpwdUc2VFlWc2swZzZCVnh2ODVaa0RkNWw4RDVwaHdtMDJfUlFyUGNxQzFqRUdkb2hXdFA0eHppRDFpdEY3czBpaUt1X25oUjlJVnV5ZUxpZTdmd0pSREtNeDdpREwtaUd0dWM?oc=5) · timesleaderonline.com
- 2024-08-03 [Marshall County Schools Holds Annual Fun Fair - - The Intelligencer](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOTGdDWGRfNmpfY2xwRkVIS253YXB4cUttOGRqOEhTNXVQelFFMjRsYmZwVUNjTk9vNjhXM1FTOWswbDZnWWdoOVgxQWphVzhlVFlxQWlQRTNYVm1WekF3clRaRTl0ZUJOY3kybzZoSkZlbDMtVzFEYUJJRktvSEt4QU5xeTNWV3BvWDNpLUUwaHkyY2dYSmN6QWpGN1M2NEFkTG9EZndYNFpwQQ?oc=5) · The Intelligencer
- 2019-07-11 [Suspect in custody following robbery at Mingo Junction Credit Union - WTOV](https://news.google.com/rss/articles/CBMijwFBVV95cUxOTlRNQ2VBNkdUNTRzZE9vQTU3WXg4THc1ZTBMeTdXdUcwY0RKd09maGJnUFlmeDJrbDh6Y04xV2xiY04waTlYbDNYV2huZERLZWRfX0dhdDZJNnQ5TEY1bUM1QVdxWEYzcDZ5OW5JWlhqMVNPYTlBMkdORGdOeDVJdkQ0YlUyMUM0VHR2STNGTQ?oc=5) · WTOV
- 2016-03-06 [West Virginia, Northern - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMiggFBVV95cUxNdjI1U0JycDhRWTNQVlRtUFNhQk1IYkF6MEtleGZ2Z2M1Y3J5VUIzbzRqUDJRY2g5cUROUGFxejdjX0ZEMUV3MENTWG9ma3NXWHZLXzlPbDlDSlp0eE9lT0x5cGdfVkcyNERFbTVvN3FObXZxUjk1TVlpanNHQ2xRVzRB?oc=5) · Department of Justice (.gov)
- 2023-05-24 [Chamber of Commerce Community Awards Banquet Held - wetzelchronicle.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxQYUtWR1ZKQzlBaDNveXlHT2lrZjQ4dFFucFZoS0FuUW1vWk5QQldtWEVZZlM0SHdVVFN1cVpHRWpNQ2Y0aEJ5cER3RjU0YmI2clFwZlZrZXEzVlVQdlp6VWRYSzEzOVVrN3ZHclMxa2gyMVRQYmJnZXJFZnF6andDWG8wSDg2YnZiLVlvMUpBQnU3V1NjOHhiNzkyZHExM0E?oc=5) · wetzelchronicle.com
- 2007-05-22 [Anthony L. Meggs - tuscaloosanews.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQbURKSnVGQUl5eTFNQUFmNnRkSG9mRW42VVNmZlpZb3kzX1FtYUh1WWpjR0JpdC1SdmFaLTJMYUF3V1RvWVFJMFVUZUtoMG9Tdkc3ZFktdDZuTFZTVUdHVURmM3FiSWFkc2RJUndIZEI0Zk03c20xSVJVLXlpZURWWkVlQkdSV0R2?oc=5) · tuscaloosanews.com
- 2023-02-01 [‘Night To Shine’ Ready To Roll Out Red Carpet in Moundsville - - The Intelligencer](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOME1ucks0eTQwNmFXNVZ1THRqeE5aS0JOSlVvUXEyY1F1UDh3N0lQWmdJSVg0NzNmNTJHY0RPV0JmSTJWM3QxS0cyYjhFendqRmhRUzVPb3hvTUVRYUtlZ3lQYmFGUXQzSXN2Sm9IZjFxSG0tQjEyaVptblJ5NjRsTlNBMFJEOTJRd1U0WkZ3eGpod2NqZWlXX2tQRzQ1Z3o4ZV85T1JoY2dRbWwyLVA4czFQTk5kWGRSNGZN?oc=5) · The Intelligencer
- 2016-10-31 [High school basketball tournaments and events to watch in 2016-17 - MaxPreps](https://news.google.com/rss/articles/CBMivwFBVV95cUxQTWpzNmtfQ1JFYWJHeW9aRmtvR095empFSEt1N3BHdms5djR0anoyQndKOV9ud1REbE05ODRzdktMSTN0dzRYenQ5OU5ERHBrVlNlcEN0djBCRDFGNUJtcTZaeGlCOVZmQjR4Mk1qdmVvd2RFZXlDWmRfbF9aMUhUQWlfUzg1Y3hiWm9RWXA1cG1GbW1xc01zbkp2cGJ0cXR0X2t4dGdQY2dCZFBvZXhoTGFsSTJQcnlIQ2xOb1ctZw?oc=5) · MaxPreps

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21713 (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/17.json (key "21713", 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=21713
- 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