# JEEP COUNTRY
Holland, OH · NCUA charter 2918 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/jeep-country-2918

Who the members are: federal charter, multiple common bond, organized 1938, low-income designated, minority depository institution. 14,847 members of 150,000 potential (9.9% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $73.6M |
| Members | 14,847 (-2.3% YoY) |
| Full-time staff | 19 |
| Net worth | $10.9M |
| Net worth ratio | 14.9% (p69 of band) |
| ROA (annualized) | -0.68% (p4 of band) |
| Total delinquency | 1.72% (p90 of band) |
| Net charge-offs (annualized) | 2.21% (p97 of band) |
| Loans / shares | 52% (p34 of band) |
| Cash / assets | 6.8% |
| Borrowings / assets | 1.18% |
| Net interest margin | 3.59% (p47 of band) |
| Operating expense / assets | 6.30% (p97 of band) |
| Vehicles % of loans | 39% (p43 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 47% |
| Third-party paper % of net worth | 55% (p77 of band) |
| Vehicle delinquency | 2.00% (p90 of band) |
| Vehicle NCO | 3.33% (p98 of band) |
| Repossessed % of vehicle book | 0.09% (p83 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 17% |
| Average share balance | $2,945 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $6,818 |
| Loans granted, annualized | $4.6M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, delinquency 2x band |  |
| 2016-06 | 3 | charge-offs p90 |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | charge-offs p90 |
| 2017-06 | 4 | net worth falling, charge-offs p90 |  |
| 2017-09 | 3 |  | net worth falling |
| 2017-12 | 5 | margin squeeze, leaning on borrowings |  |
| 2018-03 | 3 | net worth falling | delinquency 2x band, margin squeeze, leaning on borrowings |
| 2018-06 | 5 | delinquency 2x band, leaning on borrowings |  |
| 2018-09 | 4 |  | net worth falling |
| 2018-12 | 2 |  | charge-offs p90, delinquency 2x band |
| 2019-03 | 5 | delinquency 2x band, delinquency rising, charge-offs p90 |  |
| 2019-06 | 4 |  | delinquency rising |
| 2019-09 | 3 |  | leaning on borrowings |
| 2019-12 | 4 | delinquency rising |  |
| 2020-03 | 2 | net worth falling | delinquency 2x band, charge-offs p90, delinquency rising |
| 2020-06 | 5 | delinquency 2x band, delinquency rising, charge-offs p90 |  |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 3 |  | delinquency rising |
| 2021-03 | 4 | delinquency rising, members leaving | charge-offs p90 |
| 2021-06 | 3 |  | delinquency rising |
| 2021-09 | 2 |  | members leaving |
| 2021-12 | 3 | delinquency rising |  |
| 2022-03 | 4 | charge-offs p90, members leaving | delinquency rising |
| 2022-06 | 6 | delinquency rising, assets shrinking |  |
| 2022-09 | 5 |  | delinquency rising |
| 2022-12 | 3 | leaning on borrowings | delinquency 2x band, charge-offs p90, members leaving |
| 2023-03 | 4 | delinquency 2x band, charge-offs p90 | leaning on borrowings |
| 2023-06 | 3 |  | assets shrinking |
| 2023-09 | 5 | losing money, margin squeeze |  |
| 2023-12 | 6 | delinquency rising |  |
| 2024-03 | 6 | net worth falling, 3rd-party paper>100% NW | charge-offs p90, delinquency rising |
| 2024-06 | 5 | charge-offs p90 | margin squeeze, net worth falling |
| 2024-09 | 5 |  |  |
| 2024-12 | 5 | net worth falling | 3rd-party paper>100% NW |
| 2025-03 | 5 | assets shrinking | net worth falling |
| 2025-06 | 6 | delinquency rising |  |
| 2025-09 | 7 | repo signal, members leaving, loan book shrinking | losing money, delinquency rising |
| 2025-12 | 8 | losing money |  |
| 2026-03 | 6 |  | repo signal, members leaving |

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

- 2024-04-09 [Police, FBI investigating north Toledo bank robbery - WTOL](https://news.google.com/rss/articles/CBMiiAJBVV95cUxPUHI3STZORHZ5Z296T1daeHpLMUtWZWRqSFN6TnlEUTZVN1BETV9EOFBGb2s0ekQyQVFCOERnVHU2QlotOGFGTUlwM2pueHVhb1htZzVibjRPSkVpa2dRRldMN3l3X1NwVVhFNnVOVUthMmpyc01LTS1uZ2RtOXo3T1pBblpKWFJEZzlyOWFzSkhMMmZSQS02R2VpRXpKOXBsWHc3ZEJmTXpZam5aUEJLVUxmNGx1T0k4TVFjVWt6Rk5FbmtBMUZWZl9JVXJUNVFReFozQmN5ZnU4MHNlNktoUmxETG00RXhRMWpRd2FrZlV6VDRUUnVnSU5KaktTSjhFdjBEUEV6bUs?oc=5) · WTOL
- 2025-12-23 [Stanley E. Monhollen Obituary Jan 24, 2021 - Eggleston Meinert & Pavley Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE9OYUlVRE5xT2dfOFE5QmNOUjZ1STZ0MVUwdFpxcDVCc2YyS1VEMXRYRHJhREdwSmYzQ2VmTlZQbzdON2ZRajRHd0syZ2hOUVdFeW00SDdoWUhBNUtqdDlCbGZiaU44cS1Za2pRMGNn?oc=5) · Eggleston Meinert & Pavley Funeral Home
- 2021-07-28 [Jeeps to invade streets of Toledo at 4th Toledo Jeep Fest August 6-8 - Old Cars Weekly](https://news.google.com/rss/articles/CBMipgFBVV95cUxNTEZKYUd0SU1XaGd1QVpVd0dYWWF2OEc2UnJWTW1hZnkxRGV0WFREMTEwNlp6Rm5DckdSeHpmVG40Vnk2Y1dSdEVVdTQwWlR5UjBNdlJmWXdKNXExRS1TUkFCZmpqYmxmdTA3dk5mWmlobzVLTUdQcDk2d3VpMlNyWFBGa0lKWjhaTDlRSUFEbFVqME1Vby1mZEdHR1U2c1BjNkNsb05n?oc=5) · Old Cars Weekly
- 2024-07-25 [Jess Jones Obituary - Newcomer Toledo](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9leDVUV21LLW5ncG5ZMXNibHBBTW52VXR2ZF9NaTBEMS13bERSOEUzVEcyVEc4cjdUeEhlVVNzWGVjelFDVlRvR2NLOWJMQ1B0dXduRnVKSm9MUE1pMnV0ZVVB?oc=5) · Newcomer Toledo
- 2019-10-07 [[Update: 4 more] Google Pay adds support for 16 more banks in the US, including E*Trade - 9to5Google](https://news.google.com/rss/articles/CBMibkFVX3lxTFBBNmJPNkZseVk2T1NJMmpiM0loV2NYeHl4X3IxM09meTBnbFl3Y25vOVRHa18wVEFyTWdCS3lHOHRsYW9nZlpFQVJLLUFkOE8tampnUGc4TTRBMk5NdExaSENic2tMZHZjVTRjM3pB?oc=5) · 9to5Google
- 2007-02-06 [5 indicted in series of armed robberies - Toledo Blade](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQbHFUZnp2RnNyMl9fSWZXbE9LNGJXS2tMczg5dnJHaHBLZ2VTSVUzcTJ4WEJoUWZLWmhGZU9BRnREbWlMNGduTVYxdUdmQml4X3BCRFV5S2t1ay1QS3lGN0FldUV6QldCZGhLM2VpQk1oV0FENGJYQ3lSdU90aWNpZmtqR1g3OWx1QzJHUFJoaWlUb0xTdjdOazlnQnZXVndHc2F5TWE1S2I?oc=5) · Toledo Blade
- 2024-11-14 [Daniel Tyburski Obituary (1958 - 2024) - Toledo, OH - The Blade - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQd1JZNTFYVHdkVEZOa3JhVXhTSUk0RnI5T2RBclc0ME1nZTQ1U3lNbFRQR2hkRGlxdjJXYjhfZGg3dzI2QkZPd0ZIMnA0SG5IZXZkblBFVld5OXd0NUc4aW9zYTBZcEJQUER0X2RaT3FBdnFyUTJsdnZncU9tSUZoNnFEQ3BzSDBUM3dZWnRVYWZQcWp3?oc=5) · legacy.com
- 2017-06-27 [Ottawa County Property Transfers, June 19 to June 23 - Port Clinton News-Herald](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNVHJ0WnpFYVFiRm15Z3pvUUJWQ2N6aDJVT2hWNWZKVUhoeUdST2tpVE9rZTlPaC1Yek1jNXFKeWdPV3l5N1haWW82d2xHaUZKUVRsekZDbWgtZGxIUjNiZElIOVVLYm4xc2JwNUFVZ1A4RlJtWWtjaVZTOWkxUnVoTE1mUC1ZejZ1US1PcmZneE10b3hIOE1XYzBiTmN5UWQ4Z0FXVVh4U0xzX2FqT3ZhX1dKTFNHZTJ3a3A1T0w3R0NrY28?oc=5) · Port Clinton News-Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2918 (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/38.json (key "2918", 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=2918
- 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