# FARMERS
JACKSONVILLE, FL · NCUA charter 26 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/farmers-26

Who the members are: federal charter, multiple common bond, organized 1934, low-income designated. 1,142 members of 14,437 potential (7.9% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $22.3M |
| Members | 1,142 (-2.0% YoY) |
| Full-time staff | 3 |
| Net worth | $2.3M |
| Net worth ratio | 10.5% (p19 of band) |
| ROA (annualized) | 0.64% (p53 of band) |
| Total delinquency | 0.00% (p17 of band) |
| Net charge-offs (annualized) | 0.08% (p57 of band) |
| Loans / shares | 27% (p11 of band) |
| Cash / assets | 73.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.26% (p26 of band) |
| Operating expense / assets | 3.22% (p38 of band) |
| Vehicles % of loans | 56% (p43 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 | 2.49% (p94 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 21% |
| Average share balance | $10,395 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $10,588 |
| Loans granted, annualized | $946,444 |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

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

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

- 2026-05-26 [The Credit Union Impact Foundation announces 2026 grant recipients - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWU1lcXlRT19fLXU3QUM5d0hkWFVHTjFrZkwwZU8yTVdGay02cXUyeGx3MG9qUE8yQUgzSlg1bHAtMExCaDZjYmpQZGVpLWxBY0hfbGJtdklFdGxndUtOSXU4ZXhCdVRfZGdic0VyLVdKYlZGNUxQY2VEa2hQSlZSWVZPMzZaM1RDS05USDEzLUJNSUFicHREWXVTblhHaFE2enlLZzNWaG1hY2c?oc=5) · CUInsight
- 2026-06-22 [RadiFi Credit Union's new CFO charts growth strategy focused on education over mergers - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPVGxrdEFjaW54UXZzZF9rOU5ZcWlaWExSWDd2ZkFIMHhLWWd6NlRmUFY0c3BCaHhqcWZJRXVud3dtMFJOSWV1enI1RFd4a1ZFX1BOTGFWQWwzejBjQTAwZ2hMNkxGS2ZKUTRxLWNGc2lfYXF4VlE2TkdtZDNSeFJ1NTNaOEtOVkV2MW13WU9rTUhCTjRkaXlGVnNoeXRWUjNqY3NDMm9n?oc=5) · The Business Journals
- 2026-07-20 [Monday’s Daily Pulse - Florida Trend](https://news.google.com/rss/articles/CBMic0FVX3lxTE9id2hLdXdhTzJYZHh4Q0hwT1dBZ1J6anpncWNtRUNYN1EtNmZxZnJWdmcwUE9JdnhoZFN0TDZPUGh1TlRRNV9JeUgzMDhYZUFTQVo3OHlldnZQYnpLa1BoZTdqb0Y0dlVQbDJRMXRubExlQUU?oc=5) · Florida Trend
- 2026-05-11 [Obituary, Visitation & Funeral Information | Georgia "Pete" Melba Pechilis Vickers - williamsthomasfuneralhome.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNRExHcWJJMDZjVmRmVk9vM1dQS0t6UzFqWG5ndUVjTE55a2NiT1JEOVpaUnNxeHdkODk2NWw0Y0Ryb3hCMy1aMzNSc0RGLXd2dFNyZVVxVDZTNGhuenJJQ3BwaTE5U1R0Q2V1a0g4MmRZZlpESHRYZGp3dzlUbVhGN2ZKdGlQUjZ2Rmc?oc=5) · williamsthomasfuneralhome.com
- 2025-12-08 [Community First Credit Union acquires First Southern Bank - Equipment Finance News](https://news.google.com/rss/articles/CBMitAFBVV95cUxQWGZ5MkZWTDBSSnZqYklPUVBvRVJ3bnVRaDJDcEpHWFdJSUl6eGk4NTJ5b3Q2dlBHRU5pT1VFR0JqUnRRTC1NbzU4ellFSS1Ga0dlSHpWcU9OQ3NNd3Rpal95VnN3S01zeGE4UnRNbnBPT0YyWGE3bE90Sm9sRHZDWlRVNE1ZM0s3OXhSWjlNY0w5OEJ3a1V1UGtzTUhXbXlJRjV5UG9mVnhWQ2t0RU1Nenl4M1Q?oc=5) · Equipment Finance News
- 2026-03-09 [O Financial Launches in Clermont, Expanding Orlando Credit Union Presence - South Lake Tablet](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQWVNIaG8xVTI1V0lvdzJONVkzQ1BFOWQwaGhhOFQ0cHAxa25IOWFqcFJxYW1PRnJqNHJxcUNPdGZIMXgtTkN5dlI0N3RsdEJGbGdjNHNNMDhLQXJuM3B2U1BMbTBUcHdLWTM3X2ZUWG1xMDRKT1lGV2hXdTUzTXg0SzJoZjVhcUgwclpRR3BEUHRlc1d4b1E0MnhVY1B5cHRBa2xaNzZ0WFA?oc=5) · South Lake Tablet
- 2026-06-17 [Rural Youth Develop Communication Skills, Learn About Ag Careers & Cooperatives During Farmers Union State Leadership Camp - Morning Ag Clips](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNRG1XSnR2NnVtV05lUXNIbXUwN2xiUnlKMC1ac2JWbXZteDhtZGx4WTF6RFE3MkZ2VjdzVHMwamxpbG5qXy1Vb0drY1o3ODJrOGMwRkM0b1pzVGloR2VicThlSDU2U3RBUGpLS2VqNjBuUmlPZWFBb1dTblFucXlLUTJVSFZWdGFGSm1GZ3dnaG9FWno5N2FMamNhSkpsZVo1MDZETUZUYWl4UFpNb1BRb2NEMXllWjJfMHczbFR3RVJIZVhBcEYyZ2dHMHJHSENsRDdsZ1RnVkpfRTJvaXN2eVRpR2FRQQ?oc=5) · Morning Ag Clips
- 2026-04-16 [Community First takes top seed among fastest-growing First Coast credit unions - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQdFo2UXNMU0FRV0VTWE1YM1NnMU1qTzIycnN1YmdpbHFOQVdrZ0p4d1lHRzFYTXItU3ZwYm80Y2JuMUxQYjg1QXZBOWxTcjNhQnVlUEtyUS1GYkRmcUxGWHhEQi1aOVRVQjMwYjMxT0ozd2xfY25xaFRsUVlKb1EzYm8zVy1fajV0WDRiS3lxRURVT2V6UkVLbzNEOFdURXpQdGkxQ3l3?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=26 (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/26.json (key "26", 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=26
- 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