# MUNCIE
MUNCIE, IN · NCUA charter 339 · asset band <$50M · latest filing 2023-09 · stopped filing after 2023-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/muncie-339

Who the members are: federal charter, community charter, organized 1935, low-income designated. 1,109 members of 117,000 potential (0.9% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *auto monoline*. 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 | $14.3M |
| Members | 1,109 (-2.4% YoY) |
| Full-time staff | 3 |
| Net worth | $1.5M |
| Net worth ratio | 10.5% (p29 of band) |
| ROA (annualized) | -0.74% (p8 of band) |
| Total delinquency | 1.27% (p70 of band) |
| Net charge-offs (annualized) | -0.01% (p13 of band) |
| Loans / shares | 32% (p14 of band) |
| Cash / assets | 67.5% |
| Borrowings / assets | 0.21% |
| Net interest margin | 2.00% (p8 of band) |
| Operating expense / assets | 3.50% (p58 of band) |
| Vehicles % of loans | 65% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 32% (p91 of band) |
| Vehicle delinquency | 0.21% (p42 of band) |
| Vehicle NCO | 0.00% (p28 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 22% |
| Average share balance | $6,188 |
| Participations bought / yr | $770,167 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $7,169 |
| Loans granted, annualized | $1.9M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## 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 | 3 | delinquency rising, members leaving, auto monoline |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 | assets shrinking | delinquency rising, auto monoline |
| 2018-03 | 4 | losing money, delinquency rising |  |
| 2018-06 | 3 |  | delinquency rising |
| 2018-09 | 4 | delinquency 2x band, loan book shrinking | losing money |
| 2018-12 | 3 |  | delinquency 2x band |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | delinquency rising |  |
| 2019-09 | 3 | delinquency 2x band | assets shrinking, delinquency rising |
| 2019-12 | 2 | delinquency rising | members leaving, loan book shrinking |
| 2020-03 | 2 |  |  |
| 2020-06 | 4 | net worth falling, losing money, margin squeeze | delinquency rising |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | net worth falling, repo signal | losing money |
| 2021-06 | 4 | losing money | net worth falling |
| 2021-09 | 1 |  | delinquency 2x band, repo signal, losing money |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | members leaving, loan book shrinking | margin squeeze |
| 2022-06 | 3 | losing money |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 5 | delinquency rising |  |
| 2023-06 | 5 | net worth falling, delinquency 2x band | members leaving, assets shrinking |
| 2023-09 | 4 | auto monoline | loan book shrinking, net worth falling |

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

- 2026-05-03 [PrimeTrust Federal Credit Union and Del Met Federal Credit Union Merge to Elevate Member Resources - Muncie Journal](https://news.google.com/rss/articles/CBMi0wFBVV95cUxObkJISldCX1N6R1VuTklkVXUtOENJc3I1ZlAwSHVkcmNvYUJ3b1lSVkx6dW4tUXhTOWt1M2hkV2ZoWmVMNzVJNy1zYzlXWTNtdE9BZ01neU92dTc3dHR6aE9DMkRwa2JSUng4eWlKTWgxamtNRDlvUHZtTDd2R1c5R09jdVZoQ28tTllqQnVaZVVTU2RHZGlSMTdSM1dEdUJPaGJGMWM1Z29VREZPTnBPemdibzh4WGJLSGY4YjVySTQzMmJtUjJMd1RLZU9jMEdzVkdJ?oc=5) · Muncie Journal
- 2023-05-23 [3Rivers Federal Credit Union - townepost.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE94Ny1MdlJyaFNueExsRHNZcmMwR0VobDJnTHhkRGVEdjF1Nnh2NU56bGZCSFVqUWQ4X2VYU2lIWlFQcjlxZzF5ZVp5bnBtNGlZUDE4dXc5dWk3VHdLNUcxcHF4ek52WTJ0TXNV?oc=5) · townepost.com
- 2025-10-02 [Landmark Credit Union names new president and CEO, succeeding retiring Jay Magulski - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPcnFWMmFSNlhVSDhSR20wUGJMSndlcEI4UmxCcW1oNEhNVTJSOHc2SkNFTFlUQXlyTUpFaWR5cmFkdWlfRmtVZkp0U2J0STlFeGVPcGhKc3RYaGpOMUN3MlF1dkN5RUJVazNzdVB6WUVhaWhxMko0T08zWm9kOXBRd2RGblRmb01JMXdpWXdrTWJqT2VZNnVyQTdzQWxNTjZYc3Z5WF9lbHE?oc=5) · The Business Journals
- 2022-09-20 [‘I f**ked up’: Muncie credit union employee stole thousands from customers - Fox 59](https://news.google.com/rss/articles/CBMipgFBVV95cUxNeWpWMXZTMXR1bkE2RDBIRmNnUkFFSWM1bmpqaTV1UTBvZkFuWVhaWnd2bjFiMUpNczk4a1RVRkhNSmZKLU4wNXh5SjlDLU1DdmRkc1JGYmdvN3p5cHdlLURJVnFER0tXZlpZTnVWdF9tUzNrZEVaNl9wNnVlb2hPQ3RQQUxWdUpXWVVjV2d1eWRIV2VIN0ZGcVpNUWNDWEk0RHdibUVR0gGrAUFVX3lxTE12VG1pdEVENVo5al9NclBqcW1nMmYwN1pVODEwTUNkNTRSRnR0UnJzZlBiLTlreXktMngxYklMazFTYUxuM0NzTzNkaEF3Y3ZGTW5Ha2h2b1NBenBGdlh6WlYzN1NoaC1BdlpGempLY3AxaFpsdUllMWM3M3A5VkpfZUdIX3E3RHh4MWRkZWlVV3dnZ0k4eVp1cEhJWVRaNUFKdEJZTXd0NEd5WQ?oc=5) · Fox 59
- 2025-01-29 [Financial Center to absorb Post Office Credit Union in merger - Indianapolis Business Journal](https://news.google.com/rss/articles/CBMickFVX3lxTE8yR1I3NUpLanBUYkJMTV9ZV256MjN2OU0wVUdFQ2VFSjU2VEpKYUVUVXNWSHMyVHBRSHFjWXdhb1V5OXc5M25qbDB3SU1PY0YzYjRtYVJvN05Ld3FRSGhhY2l2aF8tdHhiWlpzOTkybzI2Zw?oc=5) · Indianapolis Business Journal
- 2023-02-02 [PrimeTrust Federal Credit Union Announces New President and CEO - Muncie Journal](https://news.google.com/rss/articles/CBMinwFBVV95cUxPNFBib0FVVnNZRmJOV1B6bjZqbjMwUWs2QWNoa0tlY21aUHBtLXpxV1NnMGN2aklUUlBIX0tfMUZ0dkZXblhoTHdBNTQ3Q0xycnRSVXgxOUk2NVlNa1pYOHBYOVAwbEduLXlVQm5lbGZUR1RBNGEzRmd6dGsyUzVNNUt0MFp3WHNtd1Z3SnFiN0F2Ykgxd0E5RDdEMGZGamc?oc=5) · Muncie Journal
- 2023-04-14 [Banking news roundup, April 14, 2023 - americanbanker.com](https://news.google.com/rss/articles/CBMiekFVX3lxTFAzb2lRUlJ0WEFHZlJVaElsSmtQRmVYNzREaWQtbUUxcC05ZHc2Yi1kcVBrSFlkSlhKSmtFY1pMQ0NvRnRnbkplNm1LdFk2X2pfRHc2VW5KMXpGY3QyN3NMUHBPbzlBZmJfZjl3aEFuUDlEVm9SQVNxWkpR?oc=5) · americanbanker.com
- 2016-07-22 [Southside Muncie credit union robbed - The Star Press](https://news.google.com/rss/articles/CBMipgFBVV95cUxNZWtmblBaQk92bmF5cXZ2VlJjMFAzSFdRNGRGc0NDSUdoQWloTWhsLWxTVDAxWnBrTUk4RFBOUWs3eU4wQWpQZ1FVRDJhTUJCaVdRVnJyN2pweDd6ZG5UMzZ2VnVSXzJyd1BYRmdNejUwMFY1dklvLWRUc25GeTFiNElwRUF6elY2UGh5ajM2eWdscDdfY1dISWlHWkgyN2YyMVl1NGJn?oc=5) · The Star Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=339 (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/19.json (key "339", 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=339
- 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