# CHHE
Huntington, WV · NCUA charter 23545 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/chhe-23545

Who the members are: federal charter, multiple common bond, organized 1979, low-income designated. 4,079 members of 7,500 potential (54.4% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 36.

**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 | $33.5M |
| Members | 4,079 (-3.8% YoY) |
| Full-time staff | 9 |
| Net worth | $3.1M |
| Net worth ratio | 9.2% (p11 of band) |
| ROA (annualized) | 0.33% (p39 of band) |
| Total delinquency | 0.69% (p52 of band) |
| Net charge-offs (annualized) | 1.95% (p93 of band) |
| Loans / shares | 51% (p40 of band) |
| Cash / assets | 51.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.22% (p64 of band) |
| Operating expense / assets | 3.99% (p60 of band) |
| Vehicles % of loans | 68% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.18% (p39 of band) |
| Vehicle NCO | 0.80% (p84 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 27% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 24% |
| Average share balance | $5,401 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $10,827 |
| Loans granted, annualized | $7.7M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | repo signal, assets shrinking |  |
| 2018-03 | 1 | charge-offs p90 | repo signal, assets shrinking |
| 2018-06 | 1 | repo signal | charge-offs p90 |
| 2018-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 0 |  | repo signal, delinquency 2x band |
| 2019-06 | 1 | auto monoline |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 3 | delinquency rising |  |
| 2020-12 | 4 | margin squeeze |  |
| 2021-03 | 5 | delinquency 2x band |  |
| 2021-06 | 3 | charge-offs p90 | net worth falling, delinquency rising, delinquency 2x band |
| 2021-09 | 2 |  | charge-offs p90 |
| 2021-12 | 3 | delinquency 2x band, delinquency rising | auto monoline |
| 2022-03 | 2 | auto monoline | margin squeeze, delinquency rising |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | net worth falling |  |
| 2023-03 | 3 |  | net worth falling |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 5 | net worth falling, losing money, repo signal | assets shrinking |
| 2024-06 | 2 |  | net worth falling, losing money, repo signal |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 3 | charge-offs p90 | net worth falling |
| 2025-09 | 3 | members leaving | delinquency 2x band |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | net worth falling |  |

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

- 2021-10-15 [KIMBERLY DAWN ADKINS - herald-dispatch.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNakJLM1RtLXdoWG1YVUdzckdkcTR1YXdFZGhFVDNxRHNGZ1RBaDdOLW51TWpEUm8tQU1XN2FQLW1GU0U2SW5nX1J2OEdJRERrS1BtUzFzRzY4WHpmdjdlc1dnTkcydnVnUGlISTZDX05BUGk0dm5GWUk2S0hLQmp6NHFHeTQtOGF5c2MzSl9PcDN3TWx3cFlQZUtIYnY2NnB2SkloMzRSV18zSW9DVFlsYWIzMVoydy1IM3IySVQ4UVRkQQ?oc=5) · herald-dispatch.com
- 2026-07-31 [LRMC to celebrate 100 years with free community concert, fireworks - West Virginia Press Association](https://news.google.com/rss/articles/CBMiogFBVV95cUxQcDlWc29XT2xSX1lwVXg0Sl9fQ2lLd1BYMm44U1Z0TldWaW5Tc1BBYXFkWDVzc3hMdEFmZDFNTGhLeElwYTlSNmxQTVdTTjdQVEg1blZVRTY5NVB0Y3VzRm9NNVhzbjg0QUF3Z3BjOVZrVnFXc2pDX0N4ZXc0VENkcW9Dc1RHbTBJUk5hdVYxbENUMlBrdnJsVnZJeDNQQmlsOUE?oc=5) · West Virginia Press Association
- 2010-09-24 [Obituary information for Scott Michael Robertson - Chapman's Mortuary](https://news.google.com/rss/articles/CBMiigFBVV95cUxPRzhJVEc2UVVrdHJGSHQ3emg1Y3dfUzZtaTN5blIwVHFNYmdZSnRZOWlwRFVBMUJZU3NJeUhEd3hlaDUxWHhxZ29Pdm9sQXNkNXVwNmsxelRwdTJTOXBFMThLT2V5RDdsQ2haVS04T1lMOF9XcDF0aXpSZG5TMjBqNTVhdWJOdlZhWUE?oc=5) · Chapman's Mortuary
- 2021-10-12 [AMY ROBERTSON Obituary (1972 - 2014) - Huntington, WV - The Herald-Dispatch - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNTmxkN0FWd3p5RUhsd09Yd3NKZTEzSHNTeGFlM2tIaks0SEk3OWVPNXk5RmRRTzUzWGliTmNTRVhMYm5xRlh3cmJ4OXBtcml0d0w0azBUWnVzcFdJLS1XYnl5SEtjVHNiSGVWc2dMSm9WTVRhY1hSWUJ5dWQ0VHdPMnNMWlBaZ3hpRGRkMy1keWZ1NkUtU2lz?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23545 (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/57.json (key "23545", 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=23545
- 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