# GREENUP COUNTY
RUSSELL, KY · NCUA charter 22139 · asset band <$50M · latest filing 2020-12 · stopped filing after 2020-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/greenup-county-22139

Who the members are: federal charter, multiple common bond, organized 1975, low-income designated. 531 members of 775 potential (68.5% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.4M |
| Members | 531 (-15.8% YoY) |
| Full-time staff | 0 |
| Net worth | $541,395 |
| Net worth ratio | 12.3% (p49 of band) |
| ROA (annualized) | 0.30% (p55 of band) |
| Total delinquency | 3.02% (p87 of band) |
| Net charge-offs (annualized) | -0.81% (p1 of band) |
| Loans / shares | 34% (p21 of band) |
| Cash / assets | 28.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.54% (p36 of band) |
| Operating expense / assets | 2.31% (p24 of band) |
| Vehicles % of loans | 69% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.75% (p62 of band) |
| Vehicle NCO | 0.00% (p23 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 25% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 99% |
| Certificates % of member funds | 0% |
| Average share balance | $6,314 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $4,590 |
| Loans granted, annualized | $458,656 |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 4 | net worth falling, losing money |  |
| 2016-12 | 5 | charge-offs p90 |  |
| 2017-03 | 5 | assets shrinking, members leaving | losing money, charge-offs p90 |
| 2017-06 | 8 | thin capital, losing money, charge-offs p90, loan book shrinking | assets shrinking |
| 2017-09 | 4 |  | delinquency 2x band, net worth falling, members leaving, thin capital |
| 2017-12 | 1 |  | losing money, charge-offs p90, loan book shrinking |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | net worth falling, delinquency 2x band |  |
| 2018-09 | 3 | delinquency rising | net worth falling |
| 2018-12 | 4 | charge-offs p90 |  |
| 2019-03 | 5 | repo signal, assets shrinking | charge-offs p90 |
| 2019-06 | 7 | members leaving, loan book shrinking |  |
| 2019-09 | 5 |  | delinquency rising, repo signal |
| 2019-12 | 5 |  |  |
| 2020-03 | 5 |  |  |
| 2020-06 | 6 | net worth falling |  |
| 2020-09 | 6 | losing money | net worth falling |
| 2020-12 | 4 |  | assets shrinking, losing money |

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

- 2024-07-03 [Disaster Recovery Centers closed for July Fourth holiday - Spectrum News](https://news.google.com/rss/articles/CBMisgFBVV95cUxNZUhKV05kNHlDZS1URDdRZWRmNmRZT0ppUExyNnIzVVpIZXBmNktFZC1XbUMwX29hemRYeG9RS253ZXJOdG10dEJ2enMzeDlHMnN5SmlLSXJDNGxiVjVBWjlzNkwxMUdRZ1p5UlAzZGpfUmFvWTVDLVZBcGx1bzZLbkxJdGJUR3dqRGdTNHQ5QlpSUG9leDV4QUhVSHp2eGV4RGZrTS1rSTRnZXpKZHhZVFh3?oc=5) · Spectrum News
- 2023-09-13 [Members Choice Credit Union holding open interviews - Carter County Times](https://news.google.com/rss/articles/CBMitwFBVV95cUxNQkxVcWlSV0NsMUx5SWh6cVhyQnNkNjF1eFo5MFJFN3VPamtxeWR1Z3ZUS3c3WEhIVlR4cDVCbUIxMWNUcDJkSklXWFVNZUppRFluTC1rOENTZ1RnQ19sVUhwZGNNMGNNMkw5XzQ3cG5CZDNtQUUyaHVoODlDYk1QT1dFYmFrNjBjVUJIVHZHdFM2Y29CcDFSX2RjcnBzbGUzZ0xvaU85WDZmWjZLeUw0U21nNHVSMmc?oc=5) · Carter County Times
- 2023-07-26 [Merle Kidwell - lewiscountyherald.com](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9ibGZ0b2JDSnBDdGYxY3ZrNDV3LUlzZ3VNb1hzSk5vNEg3UHQwWFZ0TW5EeEw4RUhDWG13NjZJY0RkalRiSU5FWlhXV2ZBa3Z4SEc3MGQ1NA?oc=5) · lewiscountyherald.com
- 2018-10-21 [Build A Bed project, credit unions earn local recognition - The Daily Independent](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNYmhnMllJOUk0M2Y3dDN2UUlxUVItV3dMc3RlUzdYbjRHNGNCTVhwYm5RUWJJVGQ5ekpLVGlqOG5OOGNjQXIwRlYyRTJMVDlBeVE1cmdiWVEyXzlfcjdFd0MzWFJuZnJMSUxWTGd3eGpnMmtNMmF1OUpFUlA1clBUMzNWUW1JMm5pYmpDOE50enllUzBVZXdPTjZabV95ckZ2d3dZbWhpS2J4XzRCTHZMQWQ2YnBfUEQzZzBRQU9XdEJWZnVxUGg1cjhkVG5wUnh0dVM1dGxXaE84ek93?oc=5) · The Daily Independent
- 2022-06-19 [Moore, Johnson get big wins at 45th annual Run By The River - irontontribune.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPQTlOa1FXUVhSR2xRLXI5blVCN0pCaldNdDRSRDlFa3puclZ5dTBYWEdGcEtEbTZ0OTRRN2FRclE1YjhpMkpHdFBDN2pzNjYzWHlQOFZIellMeXB1LXBDeGFTZG9EcVotU0JfMGQxU2QtUnJsSjJzQUtJMXltQTl6M0I3b1ZSM0lqbXUzeWY5bGRPczVoNjJ0MkNTTkxPUQ?oc=5) · irontontribune.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22139 (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/59.json (key "22139", 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=22139
- 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