# YOUNG COMMUNITY
LOUISVILLE, KY · NCUA charter 24950 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/young-community-24950

Who the members are: federal charter, community charter, organized 2023, low-income designated, minority depository institution. 188 members of 500 potential (37.6% of the field); checking penetration 100% (share draft accounts per 100 members); loans per 100 members 10.

**Verdict on the desk:** this could be *too clean*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $715,542 |
| Members | 188 (-21.3% YoY) |
| Full-time staff | 2 |
| Net worth | $32,689 |
| Net worth ratio | 4.6% (p1 of band) |
| ROA (annualized) | -14.93% (p1 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 44% (p30 of band) |
| Cash / assets | 61.5% |
| Borrowings / assets | 34.94% |
| Net interest margin | 5.10% (p88 of band) |
| Operating expense / assets | 29.07% (p100 of band) |
| Vehicles % of loans | 96% (p99 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 2% |
| Average share balance | $1,232 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 10% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $10,931 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2024-03 | 3 | thin capital, capital below 7% |  |
| 2024-06 | 4 | losing money |  |
| 2024-09 | 2 | expense trap | thin capital, capital below 7% |
| 2024-12 | 2 |  |  |
| 2025-03 | 7 | thin capital, net worth falling, margin squeeze, leaning on borrowings, auto monoline |  |
| 2025-06 | 4 |  | thin capital, net worth falling, margin squeeze |
| 2025-09 | 5 | thin capital |  |
| 2025-12 | 7 | margin squeeze, members leaving |  |
| 2026-03 | 9 | capital below 7%, assets shrinking | margin squeeze |

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

- 2026-01-24 [Kentucky nonprofit helps families prepare for winter storm with food, coats - Spectrum News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNbW1yRElvOEQ3R2k2REdtYjdQMmJaRTYydkRaWV9LajdzVWZQckV1eHAyLS1CYjF4SkNkOFkxaEhVbkI2ZUx1OV9CNlRaY1liX1RtNU0ta29BNUQtSXdiejRQNG5WOVJSNnpFc1dHNXpCVVBsTVVKNXlxYndCLTlNODFadHNkbEJT?oc=5) · Spectrum News
- 2024-02-23 [Apply Now for the Alexandria Chamber of Commerce’s 40 Under 40 - thezebra.org](https://news.google.com/rss/articles/CBMimgFBVV95cUxNWHc5S09UaV9HUFJSU1F6YS1JSi15XzRUejJ1SFVsekxjZmFRc3hZUFFVeUlnSm9ZZWxnb2hSdzlIZldHRUJqVGQ4Vm9pSC14Z0RBdVBLaU03ZVA1TWNFa1NNRnpIQjhtNmgta2RPdHYxdEMzcGE2S1NOTVlXU0E5UWJmVWE5cVZhdlBpWG9tbHFfamc3MlNuaDZn?oc=5) · thezebra.org
- 2021-06-10 [Become a Business Sponsor - WKMS](https://news.google.com/rss/articles/CBMiWkFVX3lxTE5LUXRHWVZaZFRjZlVkbk5sVmZLRGdFanVEUi1XTWNPbEVEU0JQaVhSV19aRkpPcVRIUXktOFczWFJtN3lMU0dEQS14T2Zzck4wS3IxXzZYMFAzQQ?oc=5) · WKMS

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24950 (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/54.json (key "24950", 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=24950
- 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