# CME
COLUMBUS, OH · NCUA charter 294 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cme-294

Who the members are: federal charter, community charter, organized 1935. 38,762 members of 1,850,000 potential (2.1% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 72.

**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 | $485.8M |
| Members | 38,762 (0.5% YoY) |
| Full-time staff | 88 |
| Net worth | $40.5M |
| Net worth ratio | 8.3% (p5 of band) |
| ROA (annualized) | 0.65% (p46 of band) |
| Total delinquency | 0.73% (p61 of band) |
| Net charge-offs (annualized) | 0.74% (p80 of band) |
| Loans / shares | 82% (p70 of band) |
| Cash / assets | 11.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.86% (p72 of band) |
| Operating expense / assets | 4.04% (p66 of band) |
| Vehicles % of loans | 26% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 24% |
| Third-party paper % of net worth | 56% (p42 of band) |
| Vehicle delinquency | 0.79% (p66 of band) |
| Vehicle NCO | 0.96% (p68 of band) |
| Repossessed % of vehicle book | 0.24% (p87 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 53% |
| Core shares % of member funds | 39% |
| Certificates % of member funds | 27% |
| Average share balance | $5,761 |
| Participations bought / yr | $3.6M |
| Participations sold / yr | $0 |
| Participations outstanding | $34.4M |
| Loans outstanding per 100 members | 72% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $13,130 |
| Loans granted, annualized | $85.8M |

## Participation posture (from the same filings)

Bought $3.6M and sold $0 in the latest annualized quarter; $34.4M outstanding purchased (84.9% of net worth), $2.4M sold and retained. Sold in 3 and bought in 8 of the last 8 quarters. Shares 0.6% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, losing money, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 3 |  | delinquency 2x band |
| 2016-09 | 6 | capital below 7%, net worth falling |  |
| 2016-12 | 3 |  | capital below 7%, net worth falling |
| 2017-03 | 1 |  | losing money, charge-offs p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | thin capital |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | thin capital |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | delinquency 2x band |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze, delinquency 2x band |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency 2x band |  |
| 2022-06 | 1 |  | delinquency 2x band |
| 2022-09 | 2 | 3rd-party paper>100% NW |  |
| 2022-12 | 3 | loans>95% of shares |  |
| 2023-03 | 4 | net worth falling |  |
| 2023-06 | 5 | leaning on borrowings |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 3 |  | net worth falling, leaning on borrowings |
| 2024-03 | 3 | delinquency rising | loans>95% of shares |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 2 | loan book shrinking | 3rd-party paper>100% NW, delinquency rising |
| 2025-03 | 2 | net worth falling | loan book shrinking |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2025-12-03 [A legacy of service: Why CME Federal Credit Union is Ohio’s No. 1 credit union - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNNjk5UmtnZFMydU1wMnhLdnc3WFlPUFo0NjZoZjZIM1A2SDlXLUJjbFlseG5DcDlaYUp0bUZDQlVMOWRSdkJzQUJoTmg3VEd3SDlPelNhMTBwU0ZaTGFVdUk3SFBFTTlIMHN4TWNZSHdzT0lJM2RQd0VQZVQtVVpBTFNPQ2pVNl90aW04VUVSeTNSRWt6b2pyMGdMZlB4MnpJNTkydA?oc=5) · The Business Journals
- 2026-07-27 [Holy Rosary Credit Union names new chief executive - Foster's Daily Democrat](https://news.google.com/rss/articles/CBMiugFBVV95cUxQdWhyY0JnM3ZFbWVodzZvaV9XbnlPTUMxczBQVmhZUlBfYjVTT1g4Q3JkQ051T1BTN1NQWUVSVEl4TDlaSVdYUEtxOWFKZFlWa2xjZ3ZhMnpGM3Z3c2FHaHJWenVtdDFIb01UeC1GelpVeU05SXdUQk80SGNUYmlxaW1UakxuV3BhMWRXakthNkp4RjlnaFpHaFNZZTdJZ2RUamdvNmV0b0M1RFE1TWx1NFFIM3pFTkNjRFE?oc=5) · Foster's Daily Democrat
- 2026-06-04 [Sleepy Trump is no Biden. We can all see alarming aging he can't hide | Letters - The Columbus Dispatch](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPWjBVRXBYbWM1RWZ0emFnbm5Oa2RTa1Vnb3g2cjlaVjI4NnRlc0Roel92bE9STjMydzZvaV9IUno2b1NLaFZkV2ExUFpSNFFfLXB5WlBZYjM5eGRpSnktdVRWOFk4R2pjNzlZS0ZXY0VndDNWNXJ0OXB0SzNmTzBob2o2MVFyd0NfS2xjVk5HN1YzV0EtakoxdGhKNlNZSEY3R0hFc20yVEM?oc=5) · The Columbus Dispatch
- 2026-07-21 [HRCU announces Kayla Selhorst as next President & Chief Executive Officer - CUInsight](https://news.google.com/rss/articles/CBMisgFBVV95cUxPMlVZY0tmYzgxNmZtS0xyWnpkUTl1X0RYckV3MFo3N0pHb2hHOUFIVGZrWXVTOVJJaGJOUnI5eFQtRmJNQ24xb3JucF8tbWVqcGZoM3hObmE3d0Mza2t4X0VZWktlWExGTDhGUTZsTGtnVlcyOS1kZHhzTVRyM2xuTGpScW9CMmFLX1BPWWpmcTM4eW11bmUzcXVQSGpCNXQzU0ZITjNCSHM1cWhTUjV2Q2JB?oc=5) · CUInsight
- 2024-04-28 [Richard Andrew Palcich Obituary Apr 28, 2024 - shaw-davis.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9meDY2UnJLd1pYVXhvUXY3Rzd0cldLTk5KVUZjZ3paUmFxeDNvbXI1RGhmUWRZLXVvX21zNFB3cjZySjBhekY3d3E1Zm5kLTFETEtOTWI4QmF0VFdlQ0ZVNjViSQ?oc=5) · shaw-davis.com
- 2026-06-06 [Crime prevention conference to help building stronger communities - WSYX](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPUUFBQnRacDRzQ1FMZWx3d2FFR3hTMGFBWjFyR05QVDFNdFEzaDVmQ25VWXFlWXRiTzE1TS1KVm9kSGVXNmRiTGh3XzhZY3hTZEg5b3pZdzFGSE8tekNYaXVvSmRiRXQxUXEtQkNPWWdPNGZTMEhsRlAyTlI3SWZrc182M3RfWHRpVmtLRk9udkRnN2w0S0o3RVJjaHFuWk5VMGJFTnpfa1czYy1MT0hnY0FPRVVGUS1uaW9XM0p4WU9rY1lYZ2pQeGw5VThfLXNORXMzWlg0MDZqYWpGeW13cg?oc=5) · WSYX
- 2016-11-16 [Forty People Complete Foundation’s DE Program - cutoday.info](https://news.google.com/rss/articles/CBMiigFBVV95cUxPWkxrZmE2ZTBUVmFweFU3X01CREJueG1QNUs4ZDREaW9WR3IwUUlGZkhJWVAxSW5UdXFBSFlyN0FvamhPRENTUkE0cXRXUGplLXNOYTJ0UlBHYURKR0U2bWt3VUhJdURHekVPQ2lrXzc2eHFFNlBHR2dwNHByZER3b3FNUkYxNXVyeUE?oc=5) · cutoday.info
- 2015-10-27 [Knechtly recognized as Hometown Hero - Morrow County Sentinel](https://news.google.com/rss/articles/CBMijgFBVV95cUxOeFN6N1JuUFhIT2lzN0RreDlHSHlsSkVXaXpqVldHVVJfaDV6VGFTcHZsN1k3SUs5ei1EcXdZZGpNZWtpc0twcmtKU2ZwRUo0ZDBBc3JsOEVlLVctc2k0ck4xUG9kS0gzOUhXVGxUVHNNdmRtOGJKUFFDcVVyTWJVVldSX1NyYmhidzhqSEhn?oc=5) · Morrow County Sentinel

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=294 (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 "294", 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=294
- 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