# HEALTH CARE PROFESSIONALS
Richmond, IN · NCUA charter 22213 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/health-care-professionals-22213

Who the members are: federal charter, service (single sponsor), organized 1975, low-income designated. 3,280 members of 12,343 potential (26.6% of the field); checking penetration 82% (share draft accounts per 100 members); loans per 100 members 66.

**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 | $39.4M |
| Members | 3,280 (-2.3% YoY) |
| Full-time staff | 8 |
| Net worth | $7.3M |
| Net worth ratio | 18.6% (p69 of band) |
| ROA (annualized) | 2.01% (p93 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.04% (p54 of band) |
| Loans / shares | 62% (p55 of band) |
| Cash / assets | 42.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.33% (p68 of band) |
| Operating expense / assets | 4.65% (p73 of band) |
| Vehicles % of loans | 63% (p52 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.09% (p71 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 87% |
| Certificates % of member funds | 10% |
| Average share balance | $4,281 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 28% |
| Average loan balance | $9,037 |
| Loans granted, annualized | $6.9M |

## 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 | 2 |  |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 4 | delinquency 2x band, members leaving |  |
| 2019-09 | 3 |  | delinquency 2x band |
| 2019-12 | 3 |  |  |
| 2020-03 | 1 |  | delinquency rising, members leaving |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 3 | margin squeeze, members leaving |  |
| 2021-03 | 3 | net worth falling | members leaving |
| 2021-06 | 1 |  | margin squeeze, net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | net worth falling |  |
| 2022-09 | 1 |  | net worth falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | delinquency rising, assets shrinking |  |
| 2023-09 | 1 |  | delinquency rising, assets shrinking |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-02-17 [Mountain America Credit Union Partners with University of Utah Health’s Center for Medical Innovation on Bench to Bedside Program - University of Utah Health Academic Medical Center](https://news.google.com/rss/articles/CBMivgFBVV95cUxPLUc5eW1hRnF2WXRkbFNhOVpfMW9JOW44N2tXSDd3NEVBV1BoWEF0OVZ6VV81VlEwdTIyT1ZTXzU0aDQzYy1hVFotVGlTR2V5YXhZOFNWd0pvQk5RbVhBbU5TQjJCOVl0RkJ1ZElUN2NJcjFxYTFmNFRWY0dOSm5KellaZ1dUNEI1R256Mm1mM1BhQ2hucVFwUnRDbXF6T2hINTF3NEJjazRyemNtRFZiZ2pKZ3ZWeUNqSzlWckdB?oc=5) · University of Utah Health Academic Medical Center
- 2026-01-12 [NMSU Aggie Uptown Continues to Grow with White Sands Federal Credit Union Groundbreaking - New Mexico State University](https://news.google.com/rss/articles/CBMi7wFBVV95cUxOM2RaS0wtQ0JyZURiOENHVndDYkxHVnZmM3dkYW10cW5GX1JCR3VfWnh5NE1pN1VNU1RmaEh5dU1zckFnR1hZemNZVTVSX3ZTZ09nbkg5SUlvSFVTbzc5aDlRNkRJYUhBV1paV1JkY3hhZDhwQUdkdFJ6czV2bXptbWRmWks5NDNFOFZMcU9VZnAwcDlSa1dRdUxQNmlhQ0x6cURaUjZPTzZMODlkNkFIUFhQM2wwSWFnbHpkTmk5TmQzUXdncTg2RGJ0Z1pha3FFRWlPNlZrci00WkZLZl9LaERUeVpDRFUybUdzZHZJTQ?oc=5) · New Mexico State University
- 2026-01-30 [Nurses dig into rainy day funds to keep Kaiser strike going - Orange County Register](https://news.google.com/rss/articles/CBMinwFBVV95cUxOZUphdldWMnZJd2JZMlp2STd0VXJ1aUFPSVhTd1gzVHBCQlJQRnBnYU1zODlQd3ZWeWpUVkFxNEdPNDZZY2liWkxkR2EtRGdrejktOVRQZXE1dGNKNmdxcmtBUjdNb0J6V3hVbTRWdXNfdEN2RHJObnJZZzljbS1aZUd4ZGdGRGhBeGZLU08tWEs4RUxIZmxwT1dGbFVKbTg?oc=5) · Orange County Register
- 2026-01-16 [What's being built at Telshor and University? - Las Cruces Sun-News](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPMnV1OU5TcU0tb2hsUjdFMUlEZGVMcENldVJDVnhMRGRkZnF1NDJOVmEzWmFBcEFUMzJfTGJpcVlIMERVUTZYcXpRYzNBT1EwMHRfOXY4dkFBZmlNalEwWTEtWkFQUU1lV0sxWllvMThTeldvaWRBQkk5aW5nalhmM3ZlajhoNTB0WEFSTnZWN1p0dGdtSzd4elRvSGRNNVZITGVBWWNwVVR4N1cwZWllT2ZHckVhUkY4dzVSZ2RmQU5NdXM?oc=5) · Las Cruces Sun-News
- 2024-11-18 [Credit Union observes 6 months providing full financial services at VUH location - Vanderbilt Health News](https://news.google.com/rss/articles/CBMitAFBVV95cUxOQVliTjBsODc1NjlLTm1ZbVh0TE5kRjVsZmhTZnU0V2lZM2JURWZid3U5QWJUbXZyNnJqcDJIeDZGMlVWSlNKaVpOMWg0bVhoNjk3NzdWMHZNNngzdzVOUllHS3JDWjkzZ2RGeUxndV9fZjNiWG9KNWwzSWwtSXY1NVlDZ3JVNjQ5QzhCOUY1Y1N3cDF1M2NEZTFTWnF5aVFIbGhQY19KSlUxZGttR2dGUmRwQWk?oc=5) · Vanderbilt Health News
- 2012-10-02 [Community First acquiring Napa-based credit union - The Press Democrat](https://news.google.com/rss/articles/CBMisgFBVV95cUxPYndSeV9WcGxMTk9ldEQxZXdoWWhFbEtUOUdzYUMzMzlFY3ZVLW9pemg3RWFmMzJEYmNqTjh2WVgxNDV1aFNHSHM4TXM4cjNmeFdOeWNaNWZZRTVlSUt3eW5naTdhMGc4QlZrMTR4Z25BVE1VaDJ0TDFKZlBrbTVvQlBRVUpGemZYZ0VCenMyLTBpLWRaNThGbHBhODhxVnhBbHJ5emZEd09XOFdxdHMtellB?oc=5) · The Press Democrat
- 2026-08-23 [PenAir Credit Union makes $1.7 million commitment to UWF Athletics, names Field House - uwfvoyager.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNdlhKbHpWbG0zemdCQUxXWFlQX1ZWbG5HSnQ5ZVc3aVNWZFI2MzMxeWV0X0RoV2EwWGhEdDR5eE0wRUNLT3NtdF9Xb2dnME9rR3RxUHBhbFB6SHdDYldyQmlWZmNXZk1yVTBheGdpbFJSXy1vVnp3dTFoSkdQaWE4Q0FNUFhSNUx6WW9kTUFtbVNpX3VENEtTYUtpcDlrYklOWU5IXzJvUGN6YjVJTk5TOE9lVTAzdGh3?oc=5) · uwfvoyager.com
- 2022-03-16 [Municipal Credit Union announces executive promotions - CUInsight](https://news.google.com/rss/articles/CBMimgFBVV95cUxPbVp4X3RRQ0p0ekcwU2JiX0ZQYWdFcjBYVG0zOE8zaHJWQXJyUDlXRWtOMkFoaDhXZkI2MlY0WUREN1djVS1FVUl2eDR2YUxmaVJNcDlCd3h6dVBvVlNubS1ISGdGREJYZWhINTBJbnM1bnh4QlMydktzcjd2UDQ5eHZkTHdTcGtPWHRIYzY0dlN0dzVDS1RrZDJn?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22213 (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/5.json (key "22213", 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=22213
- 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