# FIRST PRIORITY
Huntington, WV · NCUA charter 24649 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/first-priority-24649

Who the members are: federal charter, multiple common bond, organized 1925, low-income designated. 7,321 members of 205,380 potential (3.6% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *auto monoline*. 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 | $75.2M |
| Members | 7,321 (1.5% YoY) |
| Full-time staff | 17 |
| Net worth | $8.7M |
| Net worth ratio | 11.6% (p37 of band) |
| ROA (annualized) | 0.60% (p44 of band) |
| Total delinquency | 0.06% (p8 of band) |
| Net charge-offs (annualized) | 0.15% (p39 of band) |
| Loans / shares | 41% (p15 of band) |
| Cash / assets | 57.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.99% (p18 of band) |
| Operating expense / assets | 3.51% (p48 of band) |
| Vehicles % of loans | 64% (p82 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.00% (p11 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 19% |
| Average share balance | $5,333 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $11,114 |
| Loans granted, annualized | $3.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2025-08-30 [First Priority Federal Credit Union celebrates 100 years - herald-dispatch.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQMXdTN2M1VEZ0dVpQcWtnUE1HZ3pqXzNMcEcxbllQTlZOYWhkaXN5TjdSSS1Ncy1aSzhBSFpLdWZxb1A2OXd1ZXZ2NmktLUZmVkViTUNQN29oamdITlZYX2hCWVYyZmlKQkRyUVhRUUZsWVpJQzFmV2lnWHh0ZG1HZ0lCZWcxWnpNaVE0aVlpT1RWaDZjZzZ0TzcxZnViU0FUTDVMTGJ5MWl3QWZOSEtPZElveDNrU25GZGVvdGR4RzdCUnk3TUh5X1I5VFlEVm1UZzhKNW55OXZqYVltRTloTA?oc=5) · herald-dispatch.com
- 2023-01-24 [Here’s What is Revealed by First 2023 CUToday.info Analysis of CUs Seeking to Merge - cutoday.info](https://news.google.com/rss/articles/CBMivAFBVV95cUxPc3RIOG1BSzFueFFkUTlrbnphX0thdEVjbzIwZXh4TGU1eTVyS3h1eXFHNWxuLWZOYUNvXzQybTZDTkFhaUMwbEpGX2hiNThxTzZlZWl3RFpidzZiTm4xemNMVjl5SFM5enNWXy0wZkhKbXRjclRWNWN6RV95cjJpTHA5TlhZRkJvVDVFajgxZl9kaVVnRzVYanQ2WFNzdXg2Wl9tb3BlNWQxb0VTVFB4Z1pRVkIyMlA1Yk55MQ?oc=5) · cutoday.info
- 2025-05-09 [Event raises awareness for Stamp Out Hunger, held on Saturday May 10 - WCHS](https://news.google.com/rss/articles/CBMifkFVX3lxTE50cGFmOUNUUVdOV0RFWVV3ZTU0eWpRQVR0TjZQaktEZkx1NlJvWDktQW1kcmt5eTJmd1RVZmpMMy1NQ2NMUDZ5Q01CRUc4Z25UcGNqcFRXRFFCNENuWmljb01LVjBhdnVITHJNR1dtUUNFZ1BYenA2S0oxYnVHUQ?oc=5) · WCHS
- 2025-04-17 [WEPCO Federal Credit Union celebrates 75 years in business - WV News](https://news.google.com/rss/articles/CBMiywFBVV95cUxPT201SUpQYVNvek10ckhIb1l5QzZ0NGhKRjB2RkJoU3gtYlVJS3BPM0dFRTNrREMtVkRkbkRRVXJrZnpoQjZUbDQ4UklGMmUyUVZwckJWbk5ZSGVXZXlyM2pqRTFkRnBBR29XUWpjY2ZQTjhsSE9raDJfRnVBal9GNzBWUmtuS2NqZ245VUhMQXNOcFU5N1FRcS1RQTdmWmJSWWc4U3l3RGRJRERUaHNZYlNIdUMtcF9Ydk1aRXg1eU9nUG1VT0VnSlN1dw?oc=5) · WV News
- 2012-01-30 [West Virginia, Southern - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMiswFBVV95cUxNMXN1dmFwaXZmOVU2ZXdfVU9aRU1lSi00R2pJMDcyeHVFWkRoSldsMldLc1JZcnRleHhfTFE5N0JXYzJZcFJVOUtySklvYS1Jd2NGTUNacmVWV0ZZOGtMYTlxWlZGUC10TkMzWkhaNHNRLURhXzFMOTdISFRTQVNKQ3FHM2x3TW8xOVBIV3VOOXU5SzlPMXVtRmxzSmNYcFR6eWpnanNyc201ZHFZRHRkRWROZw?oc=5) · Department of Justice (.gov)
- 2015-12-28 [Huntington credit union robbed on Christmas Eve - wsaz.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQODhFczVmVzF6bDdkYUxLdGV6YmhfaDBvOVY5cXdyd1M5NkJKX092d3BwYW1rc0FQZDQ0ZHE0RllBTFlCZ2xwdFZ4RW5wbTJmb1MtVXZibEZmcmVVWXM1QW1uX3BYY18xaVlXdXVoWmczNGI1N3BmbHgwZTVNLXdUbEVXdFc0TmE5TERwTE9XZnVLcjJBUUFYN05yRWkwQdIBsgFBVV95cUxOZUJSSktjQ1h2M0VDM3UtUGVzMjlUWnhSQVF3WWRHalpySFZGR1hXaEsyOGpveE1mRlVhYm9UcnBuXy13MWtaTHJPUEd0TmxzSkxfdnQwWTA5bmVlemQ3WmplWnhibERpUnVaa3NWN0VLdUVTWlVjdjVDcVFTNnZES0JhQ0kyVWpKSnNNOXBSMVFKQ0ptTjd4ZXhqcDR0TEZnWi1raXpMUGt6TWNEWFFBdl9n?oc=5) · wsaz.com
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2014-11-01 [MARTIN BRYANT Obituary (2014) - Huntington, WV - The Herald-Dispatch - Legacy obituary](https://news.google.com/rss/articles/CBMilwFBVV95cUxQMUE5TmRCZHdCR1hNT2RGU0FIM3d3dzZkNER4S0hEcmRJR3ZfNFVkX01TMjdUdDZfSTZTMldWRmJZVlYwbUZ6aWdBWlE4SHl1UWZxbWpqMkRITEJvR2NEWW1Vai10WG9FeDkxYXhYVHdUT0pScEVhRzU5WTY0d2hnTGJaaE04NjNyRTlvLU01ZUhyazc4RldB?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24649 (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/9.json (key "24649", 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=24649
- 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