# OHIO VALLEY
Batavia, OH · NCUA charter 22688 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ohio-valley-22688

Who the members are: federal charter, multiple common bond, organized 1977, low-income designated. 2,077 members of 328,005 potential (0.6% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *ordinary*. 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 | $25.8M |
| Members | 2,077 (-3.6% YoY) |
| Full-time staff | 5 |
| Net worth | $2.4M |
| Net worth ratio | 9.4% (p13 of band) |
| ROA (annualized) | 0.72% (p58 of band) |
| Total delinquency | 1.51% (p71 of band) |
| Net charge-offs (annualized) | 0.37% (p71 of band) |
| Loans / shares | 41% (p26 of band) |
| Cash / assets | 30.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.99% (p54 of band) |
| Operating expense / assets | 3.55% (p47 of band) |
| Vehicles % of loans | 28% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 15% |
| Third-party paper % of net worth | 63% (p95 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 1.33% (p89 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 28% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 19% |
| Average share balance | $7,056 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.1M |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $14,173 |
| Loans granted, annualized | $2.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.1M outstanding purchased (45.8% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -9.5% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | losing money, delinquency 2x band |  |
| 2017-06 | 4 | delinquency rising, assets shrinking | delinquency 2x band |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 | members leaving | delinquency rising, assets shrinking |
| 2018-03 | 3 | net worth falling | losing money |
| 2018-06 | 3 | losing money | net worth falling |
| 2018-09 | 1 |  | thin capital, losing money |
| 2018-12 | 2 | thin capital |  |
| 2019-03 | 2 | net worth falling | members leaving |
| 2019-06 | 2 | members leaving | net worth falling |
| 2019-09 | 2 | delinquency rising | thin capital |
| 2019-12 | 3 | repo signal |  |
| 2020-03 | 6 | thin capital, net worth falling, delinquency 2x band |  |
| 2020-06 | 6 |  |  |
| 2020-09 | 6 |  |  |
| 2020-12 | 7 | margin squeeze, loan book shrinking | repo signal |
| 2021-03 | 6 | repo signal | members leaving, delinquency rising |
| 2021-06 | 5 | losing money, members leaving | net worth falling, delinquency 2x band, repo signal |
| 2021-09 | 5 |  |  |
| 2021-12 | 7 | capital below 7%, net worth falling | loan book shrinking |
| 2022-03 | 1 |  | margin squeeze, losing money, members leaving, capital below 7%, net worth falling |
| 2022-06 | 2 | 3rd-party paper>100% NW |  |
| 2022-09 | 5 | capital below 7%, delinquency rising |  |
| 2022-12 | 3 | assets shrinking | capital below 7%, delinquency rising |
| 2023-03 | 7 | losing money, delinquency 2x band, delinquency rising, members leaving |  |
| 2023-06 | 5 |  | assets shrinking, delinquency 2x band |
| 2023-09 | 3 | assets shrinking | 3rd-party paper>100% NW, delinquency rising, members leaving |
| 2023-12 | 4 | members leaving, 3rd-party paper>100% NW | losing money |
| 2024-03 | 7 | losing money, charge-offs p90, loan book shrinking |  |
| 2024-06 | 6 |  | charge-offs p90 |
| 2024-09 | 6 |  |  |
| 2024-12 | 3 |  | assets shrinking, members leaving, losing money |
| 2025-03 | 2 |  | 3rd-party paper>100% NW |
| 2025-06 | 5 | delinquency 2x band, delinquency rising, members leaving |  |
| 2025-09 | 6 | assets shrinking |  |
| 2025-12 | 4 |  | thin capital, loan book shrinking |
| 2026-03 | 4 |  |  |

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

- 2026-05-28 [More than 50 schools represented as Top of the Ohio Valley honors Class of 2026 - WTOV](https://news.google.com/rss/articles/CBMi0gJBVV95cUxNUEV4eU9fTGp5THFTLVY3UGJ5SDBlQ0tUakZSa1loUVM5ZEQzdG1hQUpjUXRYdjJkTk5xcWhFbDVtODVGRFhJZDdVUGdYSll1aGpUTW9VZDlDZjNjMGd2dkhYQVpJTEZYQnNGMGNTYU53d0ROYVJuUFZCU3Y3MXFGUF9nalpGcHBTMTRBY3JZZDROX0lVb0V4T1dQcmRkZnNsaTEzN2xpSWN5TFEzUU1jN3RCSVpOdm9HMGYyWW9yU2Z3WGhtQ2JFYjZ0TUdlR013R3d0cWpQWGNkN0NTZnFfcDI2bE8yNTlHU09tdmI3ZXFHU29UTWNhaTh4YWlOMGI2aDVpUlotYll6dTBPSGVJeWdDemJGR2JYejFPNFhWYkFQdllqNzE1SFZSRkdBM3AzVjBzS1dBUlVQdnRwdHd2Wk1GVU00Mkd0Rk9jTTRsX3ZRUQ?oc=5) · WTOV
- 2020-11-05 [Habitat for Humanity of the Mid-Ohio Valley dedicates 109th house - WTAP](https://news.google.com/rss/articles/CBMigAFBVV95cUxOTjVWS04yLU1nSlZ6SnpxUXdGWm0tS01iZHVpOWowOExVOHcwR1Zpc0xxYmZsUVh2WXBDT0xxWFlHdk93SnhsVzh1MFkxUFVBWDdFSUJnelVPX29JanFXM1RTTDVkc1IyZTJIN1EzNTE0MUN6LWtGellCOFJhaXJXM9IBlAFBVV95cUxPYXhubVNlcF8xNmJDTWhYR0ROZGZNTVNtbExhM2dERDQxWWJZSFQwRmRycE4wRkd5THdsSjRScTdpLUF6aGY2WVhBN3dMc3h1U3czbVlTRGxFcVBmZWpNQXA0UzlDNDc3Q1Q1VVE1djUxcDJfbEM0UUl1ZktDRFc5U2J4QS1SczE3N2p3al9UUFI5d2ht?oc=5) · WTAP
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2025-07-22 [JOSEPH SMARRELLA - The Herald Star](https://news.google.com/rss/articles/CBMieEFVX3lxTE5sSkFzcUJ6VlVkbXIyRFVmTmN3bmRDS0h0WExRU3VvVWZKM01PWkZGM3dmSmR0UTlXRkFjc1JUSEV0WXgzSjRSNnlkeENrM1diSXNWZUFNeENpWmFTSXRqYmM3elBMZnk5cC1INWdvSmFpR0szR3NUNw?oc=5) · The Herald Star
- 2012-12-08 [Debra Hecker Obituary Dec 8, 2012 - robertsfuneralhome.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE4waU5yUmNNdl9XZ0tTTVZHMkcwdGhhVjJ1TERaclNmaHRqM3l5d0kyaW5MY1c1YVBmYnQxb1NSWjVmTUpKbEpGX1I5NTlUZ1ZfeTVFU1RuMUc2WW45eG1jYUJ2c2lpakNEZHc?oc=5) · robertsfuneralhome.com
- 2019-01-07 [Ferry Chamber selects new officers - - timesleaderonline.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNOWRLX2I1b2lqWkEzeGtfdHJnb3lUMExQSlp4QXVJN2VieHBHOXZBY2N5bHRWV05NOTR2QUd4bFdzcHhOU1poWEtMZTNCNlZtdEV3MU02TmFPVi1XMVExQ2FvU0F1YXVZUHdBRHByLXJLUjRKV2FjT1ljZWxWRC03UUtGSW9zN25yTnVWRzFqMmp2MlByVmtLag?oc=5) · timesleaderonline.com
- 2026-01-02 [Janis Lauer - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE9xN3lKc2pjeXQ4ZDMwbzdxMTRDQlZZcy1KR0psWGVsSzRvUVg2d3N3SzlCT1VwekgyM0lzMm1tZngwZkU2UGtsZi10ajRIT0RRVG12bTEwdFhHWUxWa3p6TE9uc1c3azRnSUw3aGlmSW5ZN0w0UUhMQjQwb1Z0Qjg?oc=5) · legacy.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22688 (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/32.json (key "22688", 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=22688
- 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