# COMMUNITY LINK
HUNTINGTON, IN · NCUA charter 24770 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-link-24770

Who the members are: federal charter, community charter, organized 1997, low-income designated. 2,629 members of 10,000 potential (26.3% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *ordinary*. 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 | $37.7M |
| Members | 2,629 (-0.3% YoY) |
| Full-time staff | 10 |
| Net worth | $4.4M |
| Net worth ratio | 11.7% (p28 of band) |
| ROA (annualized) | 0.62% (p52 of band) |
| Total delinquency | 3.09% (p87 of band) |
| Net charge-offs (annualized) | -0.04% (p15 of band) |
| Loans / shares | 64% (p59 of band) |
| Cash / assets | 5.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.39% (p30 of band) |
| Operating expense / assets | 3.53% (p46 of band) |
| Vehicles % of loans | 21% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.98% (p64 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 67% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 22% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 50% |
| Average share balance | $6,201 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $14,757 |
| Loans granted, annualized | $5.7M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

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

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

- 2023-11-16 [Merger Update Part III: Lost Sponsors, Legacy Systems and a $1 Million Payout to 5 Top Execs - cutoday.info](https://news.google.com/rss/articles/CBMixAFBVV95cUxPc1F2SkFQRTY5Nko3aTc2NEQyT1hMRXJtdVdQU0tjS2JFV1hBb3NEQVNoUk92Nm5VMFZNTFVzZ2JkcFBCQXNvUXQwaDZ2QlRyaE1IdHhHY0dwbFRlNjk3QXZRcUc2NHl0ODJ5ODdGZTBWbjU4Y0EzdGhHYTBRdno0WUF3LV8wemFhRUkzcXhMX1RqbnAtcFdock9kN0IwUk5lT3I4bHdnRzJqU01NV285ZGxhN3F4REtZRVFZRnYxTmw4NC1i?oc=5) · cutoday.info
- 2019-07-10 [Julie Ann Heaston Obituary Jul 10, 2019 - Glancy Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9yZmg3WlFWVHJZNVhKZzljWHd1S0VRaVB0S1FNYVRMQWZsTTR6U1hkblgya0xfcVRuRnRmMEpjeTVGd19wSlJaSjUtTWRKdm9jbjNXaHFJSHBrMm1wYk10Q3BJSVphbkEx?oc=5) · Glancy Funeral Homes
- 2013-08-27 [Five questions with … Phoenix Community Housing | Housing Network - The Guardian](https://news.google.com/rss/articles/CBMiowFBVV95cUxONlAwUlpLLWRWUllaM3RDbnV5X1JOb0hEalB0bnJlbnMxVGJBZVdwQjU4ZmFnOHVLeVd0SVpibks3b2xSajNpWEFqZnJGNm9PbWVyRmZNRlA4MzNRSzE1YXg3STN2UmNhTHV3SzBaSVFQNXdCNl85U1UtVWRxb2lJbGZWbTVlNE5OQ29LTFBiZ1dRQXFrSDN0Y2U3ZWh5Yk50UHNj?oc=5) · The Guardian
- 2024-12-12 [New Regina General Hospital Parkade Set to Open to Staff and Visitors - Wakaw Recorder](https://news.google.com/rss/articles/CBMimwFBVV95cUxONERVbHZJbGZfUGVqY19EaU1WZXR0dVpiRE9mQlg0Yk5EcE43X2NONjJwMjRhLW94Si1rQ0s5YXNDZ0d3QU1tNnBmdmxaSWpxaVhaMEFLYk14RjNPLXJaYnlUc1VxQkk0empHMDViSG1RbFhIcXhDTnpXcEdxUk9lNEloajBJaFN5RVFUNHRlTWEyb0o2MzlHemxaSQ?oc=5) · Wakaw Recorder
- 2014-10-08 [Ward 3 candidate Steve Pinsonneault - The Chatham Voice](https://news.google.com/rss/articles/CBMifEFVX3lxTFBzZ0I1Zy1tdlY1R2VLSUNVbnJkQlpybll6Q0JuT3hjYmwyWVRTMDBYNmJDUXhUbEUySjhWZmZyVVYzeDgtS2dVN2dVOEFwY0VVcHVnejAyMDBkY3BZTnp6MmJCN2JVVU1aTVpQaU9NRS1jYVNPTUJaQ09nSFk?oc=5) · The Chatham Voice

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24770 (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/2.json (key "24770", 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=24770
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide