# CANTON SCHOOL EMPLOYEES
North Canton, OH · NCUA charter 2535 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/canton-school-employees-2535

Who the members are: federal charter, community charter, organized 1938, low-income designated. 49,452 members of 1,194,399 potential (4.1% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 70.

**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 | $456.2M |
| Members | 49,452 (0.7% YoY) |
| Full-time staff | 128 |
| Net worth | $47.6M |
| Net worth ratio | 10.4% (p36 of band) |
| ROA (annualized) | 0.83% (p60 of band) |
| Total delinquency | 0.69% (p59 of band) |
| Net charge-offs (annualized) | 1.08% (p90 of band) |
| Loans / shares | 65% (p30 of band) |
| Cash / assets | 14.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.52% (p94 of band) |
| Operating expense / assets | 5.32% (p97 of band) |
| Vehicles % of loans | 41% (p66 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 33% (p35 of band) |
| Vehicle delinquency | 0.37% (p33 of band) |
| Vehicle NCO | 0.91% (p65 of band) |
| Repossessed % of vehicle book | 0.05% (p62 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 16% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 35% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 25% |
| Average share balance | $4,106 |
| Participations bought / yr | $1.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $15.5M |
| Loans outstanding per 100 members | 70% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $7,465 |
| Loans granted, annualized | $119.1M |

## Participation posture (from the same filings)

Bought $1.4M and sold $0 in the latest annualized quarter; $15.5M outstanding purchased (32.5% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 5.1% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 3 | delinquency 2x band | net worth falling |
| 2017-03 | 3 | thin capital | delinquency 2x band |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | thin capital |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | delinquency 2x band, charge-offs p90 |  |
| 2019-06 | 2 |  | delinquency 2x band |
| 2019-09 | 3 | delinquency 2x band |  |
| 2019-12 | 2 |  | delinquency 2x band |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 5 | thin capital, margin squeeze |  |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 5 | delinquency 2x band |  |
| 2021-03 | 3 |  | charge-offs p90, delinquency 2x band |
| 2021-06 | 1 |  | thin capital, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | net worth falling | charge-offs p90 |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | charge-offs p90 |  |

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

- 2024-07-16 [Kenneth L. Beck Obituary Jun 26, 2007 - Sanders Funeral Homes](https://news.google.com/rss/articles/CBMia0FVX3lxTE16bkpUb0RvWTcyR2lBZGs0SzliQkh5NU1KczNNcDNNcl9ZRktyUmlBNjN6T3dSbGEtNEpWVG9JZFozZ1NqNUI1QTlSb3dtRVVmeWxBM19icDBlcDF3d3RaT3JrX3JJZHRWX1Zv?oc=5) · Sanders Funeral Homes
- 2025-12-21 [Millard B. Niver, Ph.D. Obituary Dec 21, 2025 - Geib Funeral Homes and Crematories](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5TNndqVUlEb0NQS2p4ZmVRLUdvQ1VZblNsVEJ0YmVvVnU5NmtRQWtTNU5vTmZsMzRnRDBNOTBVZVBMQm1hTEJ2ZURobWFuc0YxX0xYSWJiazR3bFVOTURIaHZ3?oc=5) · Geib Funeral Homes and Crematories
- 2023-07-18 [Stark business roundup: Kitchen Tune-Up opens in Stark, southern Summit counties - Canton Repository](https://news.google.com/rss/articles/CBMi9gFBVV95cUxObTd3ZjVVRFRfYXg4Q3dueXN5X0lERWtfZ3hWQnlUeGxYT2RKcnYyOWcwempRRlpOdWVkQ1lMeF9XTTNxemp5N2NrTzVzZE9zSkxJQVZCa1hpWDM2NXhFZTFKQkNUR0R3bW1XZDM5YnY3QU14RktPd21wSkF4ZzdGM2tuZ1lKRkZJNk5ZMVN2a3RIRmFON1hKQWlTeE92bk1BTExTNTU4azBFZGIwRk9WbUJUN3JWcThlNXlRc2t0MUMwc1FsazVVMXhyY19oMFpMb1Z4VkJDaEc3VzdHSmJVNkRQVmNJM2FjaTBDN3BjMHFwZmlJZ3c?oc=5) · Canton Repository
- 2026-01-24 [Local Credit Unions, Law Enforcement Address Rising Fraud - Business Journal Daily](https://news.google.com/rss/articles/CBMilAFBVV95cUxPWDZjQjZhUVBZY0RrS2I1LXczanVkM01TSkJ1STlhMW5YMlkzLWdUMS1GQTF3YzFHWm1sRXBQbmY5V09IRFlSQ2ZMN3NyWUhDWW1vTHhVNXktVnR3QUtPMkxXalJ3TV85QmJvUGRta1YzZEpvc09vNEJ6eWpuNGxtMEI3NzVPWjY1VlRhZXlSS3E1UjhS?oc=5) · Business Journal Daily
- 2025-04-08 [Best Banks and Credit Unions in Ohio 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMiigFBVV95cUxNbHJib0dyUHdRSjF1VEJaM0hXQllUMEk4THlxVml2WmdMMFJDYVluVjZjOFhFR2k4UkRSRm9Kb1dTSzdUS1BWR2psdFU3em81M1ZKRHlKdU9FaUNXNW1KSl9xckFnNW8xS1JjRFhfU2JVQVlzMDdkb1ZweFhDQUNMbkMydUJPd0RQaHc?oc=5) · Newsweek Rankings
- 2023-01-16 [Wayne V. Denny Obituary Jan 16, 2023 - Cassaday Turkle Christian Funeral & Cremation Service](https://news.google.com/rss/articles/CBMibkFVX3lxTE8xbGtFaHZTaVM2SkUzZjVoWEVoR3VBalI2eWRlbktZN0F1eDk2QVVFU09adHIxUXFJRWl0UzBERk5kanpJX2FneFZ0NnMwWnRCVnB6cFNZUjVOUDRQWjlXRzNIUnRoSklJNl82S3R3?oc=5) · Cassaday Turkle Christian Funeral & Cremation Service
- 2024-02-28 [Business roundup: GymGuyz now in Canton, Oswald at HOFV, Human Bean opens, CSE honored - Canton Repository](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNaWZMRjIzSjc0UkhLRk1aWGNNd3VhRWZaNXd1SzNjNS1EVGJUYzdSdHhYMzZ3UWU3dC13ZmlHTEkzYnl6SU84MFVTd1ZJY2VZTU5xQk1GUm9FRU1PV2JZRFUyaUY5UXlmZTI5U2FpQkppUTF3SGhCTnNkVkR3TzVFS0Z4RGV6WmsyMENjNG1tWUpqeENTTnFLSm0yR2tTVWFGeDhmN3haNzViS013RWVGRDNCcFhqY29iRWpQN0FKNUpjRmxqWUJDUXFrb3ZyQ090TVRQTFI3eDI?oc=5) · Canton Repository
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - imore.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · imore.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2535 (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/39.json (key "2535", 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=2535
- 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