# SIGNET
Paducah, KY · NCUA charter 23949 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/signet-23949

Who the members are: federal charter, community charter, organized 1982. 20,688 members of 200,000 potential (10.3% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 62.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $389.6M |
| Members | 20,688 (2.3% YoY) |
| Full-time staff | 47 |
| Net worth | $65.2M |
| Net worth ratio | 16.7% (p94 of band) |
| ROA (annualized) | 1.17% (p80 of band) |
| Total delinquency | 1.07% (p82 of band) |
| Net charge-offs (annualized) | 0.28% (p39 of band) |
| Loans / shares | 69% (p40 of band) |
| Cash / assets | 7.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.13% (p23 of band) |
| Operating expense / assets | 2.36% (p9 of band) |
| Vehicles % of loans | 53% (p85 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 60% |
| Third-party paper % of net worth | 109% (p61 of band) |
| Vehicle delinquency | 0.94% (p75 of band) |
| Vehicle NCO | 0.64% (p52 of band) |
| Repossessed % of vehicle book | 0.11% (p75 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 29% |
| Average share balance | $8,917 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 62% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $17,580 |
| Loans granted, annualized | $85.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | delinquency 2x band |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency 2x band |  |
| 2017-06 | 0 |  | delinquency 2x band |
| 2017-09 | 1 | delinquency 2x band |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | delinquency 2x band |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | delinquency rising |
| 2023-12 | 1 | 3rd-party paper>100% NW |  |
| 2024-03 | 2 | members leaving |  |
| 2024-06 | 1 |  | members leaving |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 3 | net worth falling, delinquency rising |  |
| 2025-09 | 1 |  | net worth falling, delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2025-07-01 [MCSO: No one harmed in vehicle collision with bank building | News - WPSD Local 6](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOVUVmUHByenNwZjJHMGJKQjlBbUVmaFdmM2d4bXVKSEk3bF92UDhTR3pnRDRpOFUzdVZoUFlDbHhhNGxIZ1dxTjY4UHd4T2ZmT2Y3U0tqQ200YnBJQ1FPMC1qOW5DbDJ1Q3c2ejlOUUFLeFYxalRHeHVwTmFQOEpYc2RTSHZhcFJOcFpRMC15ZEh0RDM2UDctTVZ4TThjd2lxNm1sSnlKU3ktam02Zkd5UF9PVnRsVm9Ed0J5cUVRb1RNX1RGa0IwMV9tQXpaUzBES0NqVTcxMA?oc=5) · WPSD Local 6
- 2025-07-01 [Vehicle crashes into credit union building, sheriff says - KFVS12](https://news.google.com/rss/articles/CBMilAFBVV95cUxNMTUxeEs0Y1lFWnZqY2w1bW9vTklLczZlV2pVT2lOVy0xTHZoQ1Z0LVRERmV4UXBHNE5JX2h6YnJMUGI5VXF4Yk9ZQlFZNU1LVnBySy1Yb3VPclFjVDllaGJCMU5wbndOUy1sMkRWSTBVbXV4Y2pLUkZmODhMTXRfV0JVNVRGUjA5aGtOTGRhd1dZYUJ60gGoAUFVX3lxTFAzdUpkNGRyWlFaY25JVjhaSG1RNmRyVThIbHJSZkJEQUQ4Um5KNVRsQ3lybVAyMnhINlVKaVZ0S202ZjU5cTlpZklrTXZ2Z0J4M2hid3liVWpBSENrS1F2MjgwWGdoMkc1WWVZQ2FqUkFTME9TUGZmdHAycGNvTk8wM09WOFVjSk5TY3o4ZlM0X01xUU9OV0ozNV9GQmtrUldicVRSazhkWA?oc=5) · KFVS12
- 2026-07-01 [Obituary information for Morgan Sue Hobbs - Milner & Orr Funeral Home](https://news.google.com/rss/articles/CBMiekFVX3lxTE1LVk1uOTZzbUQ1VVMtemJDc0ZnODJrSkIyTVU2YXJQZEYtRWJpSHBNZHZVSlIxTE1IZjI1ZDlhWGxZOXYxSmc3OGtGNnRDVVM3XzBUQmQ0UmtpMTZTQVZaYmlodnMtSVJsZUZfdUV1NXlaZllwbDVleFJB?oc=5) · Milner & Orr Funeral Home
- 2025-09-04 [2025 CU Times Luminaries Finalists: Excellence in Marketing - CUTimes](https://news.google.com/rss/articles/CBMimgFBVV95cUxNZnhwU0V1XzhrbXJMX3F1RTVjWjJJYkZCWlN0ekpFcl9HbDd5SHZCWDkzRWZTUjZ0WVRXRURvY1QzYzZqaUZxS3ZwQUZQLXItX3M5XzZFSEt3YVVwZ0lNbFBiWGlXYndEOEE3SmFWeFJ4WjhEbWowVUtyay01cVJUeTJxSThyeTVDUE1rN205b1hXM3dqUnI2Xy1R?oc=5) · CUTimes
- 2026-03-03 [Gene Adams - West Kentucky Star](https://news.google.com/rss/articles/CBMikwFBVV95cUxNdHJNUHFoLTlTcU1TdGIwRWlqbV9sUEhqbUZNVzRWN01Od0pWZVZXZUJhclFNMi1SWmZnQ09ETWhmWFQzT1Q1aHctOElxTkN0UXhMaGNHbE8wWVFHRHQtNjN6NjZGZmdqWXFpeWlVYmhCbmh6MUI4X0NsbkJqdVJYVW9yM3F0SE1wVl94VHNreDZSTW8?oc=5) · West Kentucky Star
- 2025-08-28 [2025 CU Times Luminaries Awards Finalists Announced - CUTimes](https://news.google.com/rss/articles/CBMikAFBVV95cUxPdUVmaGI5bkJnSm1WSU82SmxZOWJKcko2RkdBbFlkUDJWMlNCajFhejlvbS00cFdLSmZyX1FLX24xZlM0UG9PUlowRkVmQlFwaDhEYzZNNVI5NXdqS1hUZ0Y5Z09LNVZyem5oZGcwb2tYLUZnX1h5dkFmbVpoN2ZuOXhKNzdyaWJsT2VOUUlMQ2E?oc=5) · CUTimes
- 2020-11-17 [The Cornerstone is Open, 2 New Food Hall Tenants Announced - UKNow](https://news.google.com/rss/articles/CBMijwFBVV95cUxNc3dWcWgzd1gzYnZzVERTRlNGS3BGeGlVTHJIRjhpdFd6aU93VkNIX2stcjl3VzVoNGlkc3hZUHVQTkxGWWJKUmdUSDRNaURMd3AteUZRUnlRSm81YlhUdGZzWkpNUXltR3NZeTMwVkhNRUVwM3BnQmY3d1FUc2hGWDZqWXpwal93czctM19TVQ?oc=5) · UKNow
- 2026-07-01 [Morgan Sue Hobbs Obituary | Milner and Orr Funeral Home | Paducah, KY - Tribute Archive](https://news.google.com/rss/articles/CBMidkFVX3lxTE01U0IwRDNVeDlpSGpxZjQ5aFRYWmJUeGhmSkQ5U3EzTUw1Q0U5QnRZVnlsWUYzU1E4b1ZtcTZJaG54SjFBVVZYbkxuQTlOVjdZeF9SM3JoZldMVC1OVXhOSjRCWV9BYXY4VHFKcjRFVElaM200N3c?oc=5) · Tribute Archive

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23949 (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/13.json (key "23949", 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=23949
- 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