# HANCOCK
Findlay, OH · NCUA charter 2815 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hancock-2815

Who the members are: federal charter, community charter, organized 1938. 9,067 members of 74,920 potential (12.1% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $118.0M |
| Members | 9,067 (-1.7% YoY) |
| Full-time staff | 32 |
| Net worth | $10.3M |
| Net worth ratio | 8.7% (p11 of band) |
| ROA (annualized) | 0.41% (p32 of band) |
| Total delinquency | 0.48% (p41 of band) |
| Net charge-offs (annualized) | 0.02% (p10 of band) |
| Loans / shares | 79% (p68 of band) |
| Cash / assets | 10.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.74% (p55 of band) |
| Operating expense / assets | 4.14% (p66 of band) |
| Vehicles % of loans | 34% (p45 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 73% |
| Third-party paper % of net worth | 204% (p85 of band) |
| Vehicle delinquency | 1.08% (p75 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 97% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 29% |
| Average share balance | $6,525 |
| Participations bought / yr | $0 |
| Participations sold / yr | $7.9M |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $18,013 |
| Loans granted, annualized | $32.1M |

## Participation posture (from the same filings)

Bought $0 and sold $7.9M in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $747,012 sold and retained. Sold in 7 and bought in 0 of the last 8 quarters. Shares 5.5% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, delinquency rising |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 | delinquency 2x band | delinquency rising |
| 2017-12 | 2 | delinquency rising | delinquency 2x band |
| 2018-03 | 4 | net worth falling, delinquency 2x band, assets shrinking | delinquency rising |
| 2018-06 | 3 |  | net worth falling |
| 2018-09 | 1 |  | delinquency 2x band, assets shrinking |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency 2x band |  |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 1 |  | delinquency 2x band, net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 2 | members leaving |  |
| 2025-03 | 2 | net worth falling | members leaving |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 3 | thin capital, net worth falling | delinquency rising |
| 2026-03 | 3 |  |  |

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

- 2025-11-20 [Quest FCU Broadens Membership Footprint to Include Crawford, Hancock, Putnam, Seneca, and Union Counties - 95.3 WKTN](https://news.google.com/rss/articles/CBMixgFBVV95cUxNUDZncVBuRWtKeExRSHF6MV9uOWxwS3FfUVR1TjlNbUtrYnpWWHFfRGJPeWk0cGdqdDJVdEM3VUZ6bl9val82dHJmWVFGTGF0Ykp3cWs0NFFPMnRBQms0UlJNdWZKY0toUl9zU3VlMDNSRUNsbW1rRTJ4ZjE2V0ZOMFRxa1AzLTY1NWVMUnIyczYxNzZ3S3gySG1BdTROdXo2Qzg5SU1iMlRfcG9Zalh2ZXd0M0N2YXJsTS1JRjQyYUN0cVVXcUE?oc=5) · 95.3 WKTN
- 2025-12-06 [Ohio lawmakers connect financial literacy, hands-on bank work: 5 takeaways - Cleveland.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxOODBCejRtb3dYbEdDelpvbGdtU3FpM2NnN0REc0U5SFJPUzY2R01fVmZGLWJkcGRiMG8zc1ZQUjZrdXpWa21BNXh2T0hNZHM4ZUdlMl9aT3NEbllWUkR5ajE1VFlUaU5KdExhUFNvMGZ0bHBRbV9LY3NhUHZ4eV95SEZjeUhUVXhVLUlFQk8zVC1IVEY0YUw3djJpb19MYW1sQWNzZ1F2Ul9yY2RRSUoyNURSTTNuZWM?oc=5) · Cleveland.com
- 2026-07-31 [Superior Credit Union donates $1,000 to help spread the love purchase new delivery van - hometownstations.com](https://news.google.com/rss/articles/CBMilAJBVV95cUxObWtRdTVOU0RRUzRoYm1ZejRzVkl5al9aRzJlWHQwZVMwd2RvQmhiN3BOWF82UTc4LS1BY2R1aS1oQ0Y1ajFWSEpLTUUweThGRmhmRDlDZjB3N1FKV00ySl9HX1dMSTRPdlVOLWZsZGFENFNndzNTR3FoaVppNWhhRE92c2JLQTZYZThLUWR0WkRxZEJvUjZPbWlKWmhFaGE3VDI4cm5GZmpyM3plb1VjS3dyY0xtUHczdmxBWkdmOU1LTC1qUUI5RlhIdkIxMXp6NThxSmVsS3BGOW43VTY5cVJIWldMdEFXRWpsaHJGZ09aS2x1NkRTQ3EtT0JwVnpQLXdVaXpTRVJzdzJ3RFBsTlY5SHM?oc=5) · hometownstations.com
- 2026-04-27 [Interview: HERBIE HANCOCK at Van Wezel - BroadwayWorld](https://news.google.com/rss/articles/CBMimAFBVV95cUxQazdZbWwzQU5URFlKOWZ6TGgxTTZGajRNNmFBb1NoMlVsV29KVThfTkk0UnhMR25DcGV1a3MxY2tmSFA5M3poU0FoRm9LMmFLS0RKOERxaHNwdmRKTWtkbDJsRVZCS0swNkxleHdPTXQzYzQ0MVNic3ZzVUdMZHo2LTBsVWdqTFVqUTl2bEx3a1dNYk5tMU1IWA?oc=5) · BroadwayWorld
- 2026-03-02 [Multiple northwest Ohio communities ranked as 'top micropolitans' - WTOL](https://news.google.com/rss/articles/CBMitwJBVV95cUxQb2F4TkpIOE12VUp2b1QxaDJHMUVwQS1qRjktbmQyd2NJQUY1eTJmVTRfclpGS1VxbGFlUEhQRUlKRDd1dmpPaWNWdWVRdHpiaVVqdTVEODVqQUtHUWk5QUdqVV83dWJySnJvQy1UNkI3eG81VFQ0eTBVS0V6bTZJMy1maDcyUG9yd0NvZXQwR2ZQa2YxQVVJakdPMXI0c1kzbU5EWEVPcXkyZmpHSWxELW85ZGt3UVhUelIwODlidkxTRDY5c3g1NVBDclVuaTFEU2l2VlRDTDM3NEJUbWJBaU9ZaWEyRnpjNFpEb2lUWHFMTm91ZG9ROC12VWtzdUhUd1hJMmt0bGRFaGszS3pWZmxQUmdjTS11V2Z5QlZ4M2tfckJqeE9NRjZQNWk1MUtTc3NHV05tUQ?oc=5) · WTOL
- 2025-11-30 [Budding entrepreneurs: High school finance lessons blossom for brothers into business success - Cleveland.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPbE42Z0RBWUJPbXZlLXhyVnFMVDh0aVR6Qk45d0xodEtUT0p3YWlBQ3lQVjFBRjJDMjJHZ3A1NVBVQU56WUFsckltTWFMUVNrZEpJTXFCclFTWDRhOTBjU0xSS2pnME42ZE5vaVZveWVhLWpLM19ueTRZZXp1MEdzOVl1QXRYQmFUZFZUR3BkWUk3Zk42YTZBNjVFMEttcG1QMjRWejd0OXBhYnpfWkVYVEtaVVhOeWY5QVpJTkZITV9LUTlsSWwzUGdlc1BRRzBrZjl4WUhjRDQ?oc=5) · Cleveland.com
- 2020-06-17 [Hancock School Employees Federal Credit Union awards scholarships to four students - - The Herald Star](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQUW9ZSnFEa2RSUU5HV1Z2R1pFSTZtb1ZibVVNOEFhZWJzdVI0M3BxUEZ5Yms3YlN0TFZMcXAzVUhSZ0thOUVsVzh3UEZRcWczWnR6TVhSWDdRaFFzRlN6Q3JHNW41bFdZMHlkOXlBUGpfZVJsZkljaEg2LUZ2VVl4aUF5SmJvM1hObk5IT2hLZXNXVk1fRU5YeW1IempaZW9XZUlXa0NFWXlRb3k5TEt4cVVic29qY0lVTW5IOVFaaW5PT3I0U2dwNzN6am5qVmRiU2RCQVNB?oc=5) · The Herald Star
- 2025-03-21 [Pillar Credit Union marks 65 years by surprising members with VIP tickets - marioncountynow.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxNaldyTk5nZVZubjZaQ0tUTEJsNEZ2Y3Q5NF9ISGF2MWlGdHhkVGpabkFwdEhMZkRxUEMzRk5YZjBNakNzVlVnMkF1QU1SWUh2Yi03ZEg3VWtpM3c0ZU1BSWMxclMzeWtPcUhUSWplMmVpcXNJLVBlSC1jcFZUVDR0OVJmcC1GbkNQZ0ZkdDViSXVMNF82bjNsQ2M4ZlliUFA1Y00tVGJ6UDg1aW4xRFh1bnhMZ0k?oc=5) · marioncountynow.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2815 (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/63.json (key "2815", 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=2815
- 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