# PLAIN DEALER
Parma, OH · NCUA charter 24761 · asset band <$50M · latest filing 2022-03 · stopped filing after 2022-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/plain-dealer-24761

Who the members are: federal charter, multiple common bond, organized 1957, low-income designated. 2,547 members of 9,000 potential (28.3% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $18.3M |
| Members | 2,547 (-5.9% YoY) |
| Full-time staff | 3 |
| Net worth | $2.8M |
| Net worth ratio | 15.2% (p69 of band) |
| ROA (annualized) | 0.08% (p43 of band) |
| Total delinquency | 0.46% (p53 of band) |
| Net charge-offs (annualized) | -0.30% (p6 of band) |
| Loans / shares | 32% (p25 of band) |
| Cash / assets | 23.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.46% (p58 of band) |
| Operating expense / assets | 3.00% (p54 of band) |
| Vehicles % of loans | 41% (p27 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.61% (p66 of band) |
| Vehicle NCO | 0.26% (p86 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 12% |
| Credit cards % of loans | 18% |
| Unsecured % of loans | 46% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 10% |
| Average share balance | $3,614 |
| Participations bought / yr | $71,568 |
| Participations sold / yr | $1,488 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $5,837 |
| Loans granted, annualized | $1.3M |

## Flags firing in the latest filing

- **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 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | delinquency rising, assets shrinking, members leaving | losing money |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | net worth falling, loan book shrinking | assets shrinking |
| 2018-06 | 3 | margin squeeze, charge-offs p90 | delinquency rising, members leaving, loan book shrinking |
| 2018-09 | 1 | delinquency rising | net worth falling, margin squeeze, charge-offs p90 |
| 2018-12 | 2 | delinquency 2x band |  |
| 2019-03 | 0 |  | delinquency rising, delinquency 2x band |
| 2019-06 | 3 | delinquency rising, assets shrinking, members leaving |  |
| 2019-09 | 3 | delinquency 2x band | delinquency rising |
| 2019-12 | 3 |  |  |
| 2020-03 | 5 | losing money, delinquency rising, loan book shrinking | delinquency 2x band |
| 2020-06 | 8 | margin squeeze, delinquency 2x band, charge-offs p90 |  |
| 2020-09 | 6 | net worth falling | assets shrinking, delinquency rising, delinquency 2x band |
| 2020-12 | 5 |  | loan book shrinking |
| 2021-03 | 5 |  |  |
| 2021-06 | 2 |  | margin squeeze, charge-offs p90, net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 4 | net worth falling, assets shrinking |  |
| 2022-03 | 3 | delinquency rising | losing money, net worth falling |

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

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## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24761 (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 "24761", 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=24761
- 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