# BFG
AKRON, OH · NCUA charter 511 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bfg-511

Who the members are: federal charter, community charter, organized 1935. 20,492 members of 500,000 potential (4.1% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 82.

**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 | $163.8M |
| Members | 20,492 (-1.8% YoY) |
| Full-time staff | 26 |
| Net worth | $20.3M |
| Net worth ratio | 12.4% (p59 of band) |
| ROA (annualized) | 0.11% (p13 of band) |
| Total delinquency | 0.19% (p14 of band) |
| Net charge-offs (annualized) | 0.17% (p29 of band) |
| Loans / shares | 81% (p73 of band) |
| Cash / assets | 9.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.24% (p81 of band) |
| Operating expense / assets | 4.88% (p85 of band) |
| Vehicles % of loans | 67% (p91 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.13% (p15 of band) |
| Vehicle NCO | 0.14% (p24 of band) |
| Repossessed % of vehicle book | 0.05% (p73 of band) |
| Real estate % of loans | 26% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 6% |
| Average share balance | $4,638 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 82% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $6,918 |
| Loans granted, annualized | $55.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | losing money |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | net worth falling | losing money |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 1 | assets shrinking | delinquency rising |
| 2018-09 | 2 | members leaving |  |
| 2018-12 | 1 |  | assets shrinking |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | members leaving |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 1 | members leaving | delinquency rising |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 | margin squeeze | members leaving, net worth falling |
| 2020-12 | 3 | losing money, members leaving |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 | net worth falling | margin squeeze, losing money |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | members leaving |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | assets shrinking, auto monoline | delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | members leaving |  |
| 2024-06 | 4 | delinquency rising |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | assets shrinking |
| 2025-06 | 2 |  | members leaving |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 | net worth falling | delinquency rising |
| 2026-03 | 2 |  |  |

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

- 2025-10-01 [FBI searches for suspected Hudson bank robber - Cleveland 19 News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPUlVOdV9pUkFEaTUzNnNoR0ZjWTRadFpMRl9HN05wQ1hFVC02SzlZOVY2UEFUSDNQLTUtU3FpSUdQVE5vYm52RmF5YW4zSjdjcTBpMmk3MzlTaWtaaWNaMVBsam1WQURBdzI0TE5sd0M0OUpHQ2hjdmdRV19MRDhWVWIwT1N1bExn?oc=5) · Cleveland 19 News
- 2025-10-01 [Hudson police looking for man who robbed credit union Wednesday - Akron Beacon Journal](https://news.google.com/rss/articles/CBMivwFBVV95cUxOYUVTdnNxdzZab2ZFdVEyQ2VFQjYwY0dWNVRUUmRxWTlxOGwtQ043ckthNkFuUmR0QkVBUmNoX1ZwNmoxeVY4WnE3a3UycGVCZGdPNGpsbVNTc0VQSHBDbjdmRlFPZWtzbENBaDNWMk5tbU0tSDJXU19RdVhoazNiSjJKMXAzLWd3SlNseFl5dTliSF9nSy1Dd01GN2dBaG5oWGU0SWpOcVBDSU9CSzItR0lreGJpYW9qNFQ2Q0kxOA?oc=5) · Akron Beacon Journal
- 2025-10-01 [Police, FBI searching for suspect in Hudson credit union robbery - WKYC](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQUUxsRldZeGtaTjlPRFpRS3NvQUFEMElwMG8zR19ncFJoNkJpVGhldUlTd2dIME5tbTVOb0swcEU1RXI3UHFjWGpnVGVxX204VmFTYXMzTkg3dzZSS3IzSkgtakNSMmNFdXZXNktFbGNwNnRhdGJSWXNheHplZVp0cEtRYWg4NTFvV2s3TFV5NjlBVExCM2tQMkVWZ2JYblJxbjhMTFgtTUh6V3ZMT1dMSlU2XzBOZlNQek1zZlZPeDRRQzNKOHBtb0Q0Y3hCbGJ3UXllNw?oc=5) · WKYC
- 2025-10-01 [Hudson bank robbery: Do you recognize the suspect? - FOX 8 News](https://news.google.com/rss/articles/CBMie0FVX3lxTE9pa2ZvRHBudWFPczZMc2c5TFVDcFRCdzBQVUplUGhyeVo1eTZuTmdNY0pYSVAyTXlCTUJjbUx3NzZrN1VIWjBQZkJMMUdTVTZwWVE0QXF3S2hMckFocWFvT3VhNEFSOWd4ZFoyRUpQOTBEaUxvUVFlNkhXUdIBgAFBVV95cUxOaTZ0NUZzelNOT0kwODd4cl9qdnUtaGViT1hjVGxKZHFpLVpoRGlZb2JMVlNuUFZfSy1oNWFRbGFEcjl6enRYd2VVS1BCX2tHam9wQ3NzUmFMN0JKZ29GSEswWWNQRXVJSUh3Vzlad2Y2bkNDejkxMTNKaU9tLXhhaA?oc=5) · FOX 8 News
- 2025-08-12 [Chris Antonetti to Headline 2026 Hot Stove Banquet - MLB.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE9MVXRfM3RETm0wa2xqZjRGYlBlRDNCbi1qTzA3Zk95ZDZxZjM4ci1DcjVPYlVZcndic3FleVRReHZOLTFCc3hjY1RQakE1MDRiNnI2Yzd6Z21qam85RlFrU3dSanNwWkRqRjBCQ0pSS29oVDNHN21DZ0tjMlY?oc=5) · MLB.com
- 2025-10-07 [Hudson bank robbery suspect with criminal history arrested - Cleveland 19 News](https://news.google.com/rss/articles/CBMinwFBVV95cUxQUzZTQUt1U2w3N3MyVFpQV1ZzbG5LTlpiU2FJdjdGaGZmalF3UWI4WExoelEwZnF3XzhkdGRHQWhrWEowdnp0ZFRtaG1CblVGaUhqZm4wR1NLZDRUcW5UV2hmeEpYcC1TWVg3ZWJWVnRnaDFGVFc1cmZYNEI3RG9DbTdxRy1EYk4zcnRFb1NLLVVKRDdYbmdfbjdyTEpIREU?oc=5) · Cleveland 19 News
- 2022-09-15 [Betty Phillips Obituary (2021) - Jackson Twp, OH - Akron Beacon Journal - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxONWFtaVJwNWVTeUNSYk5aVllKX3V0Wk9UNVE0Zm43cTFKN0RxdVB5U283dHloM0VWbFdkZVJLME5CeDJBYVFtNTFKQi12SzNDRXI5Z3FjM3hhUjQ0MDNaOEVJaG5BN1l1VmVTY1ZhcDdwX1VRSjFEZEZSN25QMkNNUGp3NVMtTW40QWc?oc=5) · legacy.com
- 2025-02-03 [Hit the ice with Matt Doherty at Canal Park August 9th for the Hum Goalie Goalie VIP Package - MLB.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE9FcFI4M2x4ZWVTb21aWlk1YS1KbnJCc2FQdy00dHVPNC14anFlRVllSm82QTFKV24tTWNVeEdUTzl5TEVIS1lLYnJWU205Q3pvZlJ1YUpEM0pIVHZlRy1Td0ZWRk9hQ2R6WEFua0NB?oc=5) · MLB.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=511 (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/63.json (key "511", 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=511
- 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