# PARK
Louisville, KY · NCUA charter 24931 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/park-24931

Who the members are: federal charter, multiple common bond, organized 1955, low-income designated. 80,908 members of 1,067,496 potential (7.6% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.45B |
| Members | 80,908 (5.8% YoY) |
| Full-time staff | 235 |
| Net worth | $254.5M |
| Net worth ratio | 17.6% (p97 of band) |
| ROA (annualized) | 0.54% (p35 of band) |
| Total delinquency | 1.70% (p96 of band) |
| Net charge-offs (annualized) | 1.67% (p98 of band) |
| Loans / shares | 90% (p62 of band) |
| Cash / assets | 7.9% |
| Borrowings / assets | 10.31% |
| Net interest margin | 3.53% (p64 of band) |
| Operating expense / assets | 3.15% (p46 of band) |
| Vehicles % of loans | 21% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 41% |
| Third-party paper % of net worth | 53% (p24 of band) |
| Vehicle delinquency | 1.17% (p85 of band) |
| Vehicle NCO | 5.04% (p99 of band) |
| Repossessed % of vehicle book | 0.49% (p96 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 76% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 34% |
| Average share balance | $7,058 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $27.4M |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $27,277 |
| Loans granted, annualized | $270.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $27.4M outstanding purchased (10.8% of net worth), $12.4M sold and retained. Sold in 3 and bought in 4 of the last 8 quarters. Shares 4.8% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | delinquency 2x band, leaning on borrowings |  |
| 2022-12 | 2 | delinquency rising | leaning on borrowings |
| 2023-03 | 1 | net worth falling | delinquency 2x band, delinquency rising |
| 2023-06 | 4 | delinquency 2x band, delinquency rising, leaning on borrowings |  |
| 2023-09 | 1 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2023-12 | 2 | delinquency 2x band |  |
| 2024-03 | 4 | losing money, delinquency rising |  |
| 2024-06 | 3 |  | losing money |
| 2024-09 | 5 | assets shrinking, members leaving |  |
| 2024-12 | 2 |  | delinquency rising, assets shrinking, members leaving |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | net worth falling |  |
| 2026-03 | 5 | charge-offs p90, repo signal |  |

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

- 2025-10-02 [Park Community Credit Union marks 60th anniversary by breaking ground on future-ready Fern Valley branch - CUInsight](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNekc2bGsxc2tCYm5ibW43ZHI5UGw0ZUNYZ0xsNWt1eUdSZ1MzTjMzN3pnWWdpSG1nMVRidmlKSXJfaS1NbTMzZUZqOU9KY0h5QldXWjZYeEphSlozZ2Nwd2k3VmFJd2J5NWRPRkUtbjVyRDFQVGpUaUhGRUZjQ01wX3FrNWQ0bGVTZnV2RmZrMnJ0aWNTb2FpMVI3d0RhSG84TzY2Zm5kMHdJN29VenZXcWVaTTlzUnl5bEdkUmN6MnVoNDhVS3Y1TUlWS3dFcXY3dmhaR1BtNnc4aWNqbEE?oc=5) · CUInsight
- 2026-03-06 [Federal Regulators Sponsor Free Webinar to Help FIs Fight Rising Fraud Trends - CUTimes](https://news.google.com/rss/articles/CBMiswFBVV95cUxQQ0pUVTZHcWx2WFJqWkNRUVY5UXJxYmhKN0VwSFpVdTRsaGxIMXJVYUlEMGlHalh3ZVlUYXU4dktvSTJxV2RGb3gtcGxQVlRUaHN1aGJDbXJOWmI5cmh3MTBwdXlYc1VDcnNycDFDNmRTUG02dThQQWM5UmRJbXNVV1dRc2JqRXRHaC1yR3gzdzJkVUl6NDNrUktUOGhlQjFqcTdJV3dIRGZfUFJaMmFhWk81WQ?oc=5) · CUTimes
- 2026-09-01 [Bryson Tiller Setlist: What to Expect on the 2026 Neo Trapsoul Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBuNWh1Z2U2QXBkME12V2s2OU9PNGx1c1IzZzlWUTk3dkVxdDlrYkEtV0IyTGhXYWhWRUh2SnFPampESFZBakwycl85d284TXBkc3dNbTd4aVBHZWZwdXNQMEFB?oc=5) · Ticketmaster Blog
- 2025-11-26 [Most Admired CEOs: Jana Erny - The Business Journals](https://news.google.com/rss/articles/CBMiugFBVV95cUxOTFRRTE1wSUJueW9Qa19lRjNJT1lHaWRnUjN5dDFFNUpMVGFWRXZ3NjZISTIySUZ1SExaSkZoczdRYlFPRWJ2eXdhNXNDVHJKeTZVUnNyaUt0SnlVM3RYakdJWm55UFVGZko0bVZGbDhQc19IY1k0ZTZ0ajh0TlM0bUgyZHlhNUp1WjZNbkRiUkdnUmlnZWdMenJHbERFQmViMFNiR29FR2dtWTc5WjFyR09tMEZmS1RhdWc?oc=5) · The Business Journals
- 2026-04-23 [Watch WLKY's Great Balloon Glow special - wlky.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOTkNxU1dPTi1XeVVyUlNzek00XzY3WlZkQ3htTG9vSmgwZnRydnRtVEdxWXBEQ1ZyWk1GZmVybmJxQTR2azdKS3haQ3hhVmR6cjNfczVOMUdmTWFOTlc3aUkwaDNHVHZHdFpQMEJtdi05bzV6RTlBQUt3SlU1Si1rUXVHbw?oc=5) · wlky.com
- 2026-02-12 [Your guide to parking, getting to Churchill Downs for Kentucky Derby 2026 - The Courier-Journal](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQdGpRX1k1N2U4Yld4Y2J4b3JuZDN6UmtCQW1VSHBoWDVRM25Jd2dqeEgzTDktOW45MWVObUcxX0tUcmpYbEo3NlAyWS1wUTY5TjBYQk50dXROdUpqanpNdVdoTU84NG9SYk9SQUR0OHBBMENpZ29UVGVsRDkyVHlBd2NCSjFSa0FDWVFHNHg1WWdEWU83LTg3eklGWEZxS29fLTFHZklNZ1FOWHFRMl9LUTFGcXVIakRvV2xfZGU3c3JNRjExVWR2RUo5blFRVkMzdjN6YmkzdG50eTk5Y01OOUZUbjNiZ2FhX0VrTm01RWtJQUlPakRHSm1MMA?oc=5) · The Courier-Journal
- 2024-09-15 [Two Credit Unions Introduce New Branding - cutoday.info](https://news.google.com/rss/articles/CBMigwFBVV95cUxQdlhxY1BTZWdkOHJnVHV3b3hzWjVfMTduNkRHUEZiS00xZFczRExhdDJDaG5iYmVRaWtzbGdnQ0VJbU9HWld3eVNUUlpIYklEbk13d0Q5S2lrQk1TSWh4czMtWHRYMHBGN3NMNk1Pa1c1SEZEcXJLSE9zcGsyaXZEcWZDUQ?oc=5) · cutoday.info
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24931 (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/35.json (key "24931", 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=24931
- 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