# INCENTA
ENGLEWOOD, OH · NCUA charter 293 · asset band $50-100M · latest filing 2019-03 · stopped filing after 2019-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/incenta-293

Who the members are: federal charter, community charter, organized 1935, low-income designated. 7,571 members of 1,025,633 potential (0.7% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $91.4M |
| Members | 7,571 (-5.5% YoY) |
| Full-time staff | 26 |
| Net worth | $8.4M |
| Net worth ratio | 9.2% (p25 of band) |
| ROA (annualized) | -2.99% (p0 of band) |
| Total delinquency | 0.52% (p47 of band) |
| Net charge-offs (annualized) | 0.46% (p66 of band) |
| Loans / shares | 49% (p22 of band) |
| Cash / assets | 8.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.58% (p14 of band) |
| Operating expense / assets | 6.32% (p98 of band) |
| Vehicles % of loans | 47% (p57 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 55% |
| Third-party paper % of net worth | 123% (p78 of band) |
| Vehicle delinquency | 0.92% (p73 of band) |
| Vehicle NCO | 0.87% (p81 of band) |
| Repossessed % of vehicle book | 0.00% (p34 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 5% |
| Average share balance | $5,654 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $11,199 |
| Loans granted, annualized | $17.4M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 1 | 3rd-party paper>100% NW | members leaving |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | members leaving |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | losing money, expense trap |  |

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

- 2020-08-26 [Pathways Financial Credit Union to add new markets with merger - americanbanker.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxOYTZhWWJyYzZMVnhUYllIaTVldVdLbDNSa1Z1T042d0hubGZsNU54ZHRWTkx2aHRiYnVLa2FtOXN6UWdqRlJ3WmQ0SE9Fd1ZTRlhiR2tHZkNMVXM0a1dOT3IyYl9BTWdnR3libXZFM1NqOUV0SmFHSzgyc0dsRWkzc21PLVplZkdnVDdUTUxBRldMQTFTMTl0NHlOSU1YbDRMLXBIOXhHWXBmbzFLSkt2VQ?oc=5) · americanbanker.com
- 2021-06-30 [Columbus credit union to launch new branch at former PNC Bank site in Dayton region - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQaHdUUFoxbVZVM0lCckJWcUtCUFhWNUU0b29nZHptTWNFcWdKcnVPV05ha05zQU1HTUkzV2hrUloycWNLUy1Jal8yZjh5YVNCNWxYaWN0Y1lvazVEcS1GeTJYckxWc0IwVU1oOVF1Y0FncWZCXzE5QXkwbjdZTGNHNkNkUUVQWkcwM2NuTzJ6S0tNUmp2bnNXQW1xSy1IRGM3?oc=5) · The Business Journals
- 2021-11-09 [Jane BEAL Obituary (2021) - Dayton, OH - Dayton Daily News - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOX2Y4YkZEQ0tTd24yWklSdEFhUzZXX1ZkX0R4ZGZTT3hLdk1oTThKZVZmWnBtOFB1UUFTRC1xbHhTcDh6cEx0a0tfcUd1WU1wMmhqOWt4WlNvMlBINXYxejFzZEF5SWNUNTJPaG94RWlFYXRQMjdlcGZmVlJJWUpkeUczdmRrZw?oc=5) · legacy.com
- 2021-04-27 [Adams County Common Pleas Court Report - People’s Defender](https://news.google.com/rss/articles/CBMijAFBVV95cUxQYXpYSzl5bVVVajZ4RDdnQWNxVVBjcjdLdVZycmREU1Fab1VKV2xCSDV0TEw0bHdGajZoek1xdU9FbkZ6eHhmN2NoeHVjTlpyVWlnS1R1VjNMaXMzZzN6RDdZa1ZiRGVQeFk3T3FLRW5PRWU5LUZSbWpPckVBWEhtb1NqNnBaM0hfUzFUUg?oc=5) · People’s Defender
- 2021-10-18 [Marilyn LOOKABAUGH Obituary (2014) - Springfield, OH - Springfield News-Sun - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOQmxnVGdhOEY1MXdFN0NaRE1yTG9OeHRGdkdoM1ZhblU0bzh1MHZWNF9tcGlRQTV0NkdwNzJPNlE0U29yOHlvQ1puQ0NNejhYX1gxX0RwZjBOS1FQdVFYZEJaekFvTkstdlowbDNRN1dnVGw5ZGF6aGxMTF9lM0t4cENYbDNIaHpuRHdJNGwzMXBTNEt6Z2taZw?oc=5) · legacy.com
- 2021-10-17 [Susan Beard Obituary (2012) - Springfield, OH - Springfield News-Sun - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPNGxzaDktdFFLeFk1eGt6NDJ3QnZ4SjBmWUFWTUlBMlpMWGVramJUSjdTOU54OFVhWFFTZkJ6c2FtMmdYNXl3YktaUUwtSGVKTV9VMTJabEtLOFE0RDlja1ZmMC1Oa29GbHdhNzlJNkphQWpsN1o2NzVtN0ZkWEt4VFduUGJjMndCb1NhZkdWaw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=293 (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/37.json (key "293", 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=293
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide