# INTEGRITY
BARBERTON, OH · NCUA charter 475 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/integrity-475

Who the members are: federal charter, community charter, organized 1935, low-income designated. 5,732 members of 540,000 potential (1.1% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *auto monoline*. 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 | $72.7M |
| Members | 5,732 (-0.6% YoY) |
| Full-time staff | 12 |
| Net worth | $7.0M |
| Net worth ratio | 9.6% (p16 of band) |
| ROA (annualized) | 1.67% (p90 of band) |
| Total delinquency | 0.22% (p22 of band) |
| Net charge-offs (annualized) | 0.25% (p50 of band) |
| Loans / shares | 62% (p53 of band) |
| Cash / assets | 35.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.40% (p34 of band) |
| Operating expense / assets | 3.13% (p35 of band) |
| Vehicles % of loans | 74% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 73% |
| Third-party paper % of net worth | 316% (p98 of band) |
| Vehicle delinquency | 0.17% (p22 of band) |
| Vehicle NCO | 0.28% (p54 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 17% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 24% |
| Average share balance | $6,345 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $10,519 |
| Loans granted, annualized | $19.6M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | losing money, delinquency 2x band, charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  | delinquency 2x band, 3rd-party paper>100% NW |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | thin capital |  |
| 2017-06 | 1 |  | losing money, charge-offs p90, net worth falling |
| 2017-09 | 0 |  | thin capital |
| 2017-12 | 1 | 3rd-party paper>100% NW |  |
| 2018-03 | 2 | thin capital |  |
| 2018-06 | 2 | auto monoline | thin capital |
| 2018-09 | 3 | thin capital |  |
| 2018-12 | 2 |  | thin capital |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 4 | thin capital |  |
| 2020-12 | 5 | margin squeeze |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 5 | losing money | margin squeeze |
| 2021-09 | 5 | members leaving | net worth falling |
| 2021-12 | 5 |  |  |
| 2022-03 | 6 | net worth falling, delinquency rising | losing money |
| 2022-06 | 5 |  | net worth falling |
| 2022-09 | 3 |  | members leaving, delinquency rising |
| 2022-12 | 4 | delinquency rising |  |
| 2023-03 | 3 |  | delinquency rising |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | delinquency rising |  |
| 2023-12 | 3 |  | delinquency rising |
| 2024-03 | 5 | net worth falling, delinquency rising |  |
| 2024-06 | 4 |  | net worth falling |
| 2024-09 | 3 |  | delinquency rising |
| 2024-12 | 4 | delinquency rising |  |
| 2025-03 | 3 |  | delinquency rising |
| 2025-06 | 2 |  | thin capital |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | 3rd-party paper>100% NW |
| 2026-03 | 2 | 3rd-party paper>100% NW |  |

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

- 2026-06-09 [Dragons Extend Stadium Naming Rights Agreement with Day Air Credit Union - mlb.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxQaFlyRDlQaGwwSUZQUWNtUE4wWHdhR0VueGtndnAtcEtDclJIaklVTHlOQzR2QzJscWxXRVRuZmJJbHZacXBnUi1rUENjSjBkMTZjR1NfUEdSWEFNZjN2ZTcwRUFIcDZuVHdtQWlBdnJlUEh3bWpkTHVmWk80YVZOYWJIeVJXZGRzdHhpazJWWlFUNXhja3BVWkNnd1dYdjRpWVBQQ0FqdDR2dEtCaGc?oc=5) · mlb.com
- 2026-06-09 [Dayton Dragons & Day Air Credit Union extend Day Air Ballpark naming rights through 2040 - WKEF](https://news.google.com/rss/articles/CBMivwFBVV95cUxQT3NhcVVnVDR2aE5UM3l3SXlLS1BFZHphT1k1MGpEUDYyZk9vX1Y4RUY0Vmx4LW1nNjBXZVJydk1JMXpia1lyWTZnZVpYckZJNmU2clhKalZVNGVuNExuQXZZNU1sVE9paDVBd3A1NkxycTVIQW5UT1g4WFcycUJoaF9MdTI5Z0pBUFl4RDRsSDQ1WkJva2Z3dENfbThvM19SdVVKeTYtYTVBVHBfdWFUTGpLMk9HakhIUGY5M3dZdw?oc=5) · WKEF
- 2026-02-09 [Superior Credit Union CEO notes plan for old Rite Aid building - The Crescent-News](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQSC11Y2hua0lxREtHOFloX29FZzBCenNIdEl0TFRZbUtXLVFoVEY0MTB3T3B6SjdVNnRxZTVybHFMdDViSzhNVW5XTExUTmdkM1Q4UEdGNWFHa19pRDU2NlJ2QkltZDFxWEZqZUo4S0VVOTk4Rm5wYmF0Ty01Vl9IREdaOXRoNFlNQVdRVFRlTTJGVVNUUVNPb29GOGdjNEIzZk1ISjJRWVMwbHZ4dEdvelFBRG9tcGJQSG1vSk9xYTczYWFKcmVHMEpzUldkUTBKbGEyUXFSR2xIa1dxNG5JRzdwRmJiOXp6WjZaWld4Yw?oc=5) · The Crescent-News
- 2020-02-05 [Obituary for Mark J. Trillow Jr. - Zak-Thacker & Monbarren Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE41T29KMnZZbVEwaXY0SVJuVGtWRGNyY2pYdE1zQmdpV05pVm94ZEh3UEk4YUEyc29sQ1dqUmpzLU5HUGJwLVQ5azJPM1FSQVFsQzVHYjFVQ2cxVXU0NHlVb1ZfLUM?oc=5) · Zak-Thacker & Monbarren Funeral Home
- 2011-05-27 [Credit unions remake themselves in image of payday lenders - Center for Public Integrity](https://news.google.com/rss/articles/CBMiugFBVV95cUxNOUdvdEdwRzl3WWxzek9nYzNNbWREeHoyMkN0UlBOaDJPaG1fdVNiTF9Cb3JBeHpTX2dHMnNpU01qWk96QUxfREdmRFM0NDh4SzM2Rk5XWGdaOWxiU1J4YlhtQTZZY3IwcE1fb0cwMnlGY3ZzWXBEeDZUSnJ1YUdSR0Z5R25rVW5FeHhZelFRMGdtSVpZUW5GVDhLYi03Q0k0dGhrYVpVcGlQajQ0akpUTHdybHhnNWlzeFE?oc=5) · Center for Public Integrity
- 2025-03-27 [Ivy Tech CC Partners With Unions, Industry for Workforce Training - GovTech](https://news.google.com/rss/articles/CBMirAFBVV95cUxOMmcydjZVbVV0NWlsaHFnTzFtdEdSMGRGcEg5WW9UckFSVEp4eHRKS2NVVEVfOEwyczN4T2tUN3RXZ2hvWlk0MWRRbURaMDZFQXR2dVF5bUJhQVFRODJFYW03RTNjNlVYWVNJS1UwQ1ZoZmFwYll3TFQ4bUlzbldrQ05paEpKbU9BNXJOV2FRSXRKUGJSX1FpWWI1TGlSamFHOXloODlqLU1LUjlB?oc=5) · GovTech
- 2021-04-29 [Ronald Messner Obituary (2021) - Norton, OH - Akron Beacon Journal - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOMGZjb0pyYWRuMGVxeHVmZDFvQmRZcTF0VjlwSGJSRTI4MnQ5YkhCUTdabjU5WUt5WUNJWVZzSUE0bHp2UVV6ZmhRZE1mVGg0cXJmaVNmZVdsVmIwUDhBQkliaFpybkdZVVAtVkc0X2ZDQi00SkVTeVdaSWxIREM4M2F3RGJMVVNu?oc=5) · legacy.com
- 2019-05-14 [Cox Media Group Ohio named BBB 2019 Eclipse Integrity Award winner - WHIO TV](https://news.google.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?oc=5) · WHIO TV

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=475 (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/27.json (key "475", 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=475
- 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