# SYCAMORE
Sycamore, AL · NCUA charter 5241 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sycamore-5241

Who the members are: federal charter, multiple common bond, organized 1945, low-income designated. 2,823 members of 81,725 potential (3.5% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $73.5M |
| Members | 2,823 (1.0% YoY) |
| Full-time staff | 13 |
| Net worth | $12.2M |
| Net worth ratio | 16.6% (p80 of band) |
| ROA (annualized) | 1.76% (p92 of band) |
| Total delinquency | 0.81% (p63 of band) |
| Net charge-offs (annualized) | 0.13% (p36 of band) |
| Loans / shares | 87% (p93 of band) |
| Cash / assets | 25.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.94% (p16 of band) |
| Operating expense / assets | 2.18% (p9 of band) |
| Vehicles % of loans | 20% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.42% (p80 of band) |
| Vehicle NCO | 0.89% (p79 of band) |
| Repossessed % of vehicle book | 0.18% (p89 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 38% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 0% |
| Average share balance | $13,744 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 36% |
| Average loan balance | $29,393 |
| Loans granted, annualized | $28.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | net worth falling |  |
| 2018-03 | 1 | delinquency rising | net worth falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | delinquency 2x band |  |
| 2018-12 | 0 |  | delinquency rising, delinquency 2x band |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 3 | net worth falling, margin squeeze, delinquency rising |  |
| 2020-03 | 4 | delinquency 2x band |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 2 |  | delinquency rising, delinquency 2x band |
| 2020-12 | 1 |  | net worth falling |
| 2021-03 | 0 |  | margin squeeze |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | delinquency 2x band |  |
| 2021-12 | 1 | net worth falling | delinquency 2x band |
| 2022-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2022-06 | 0 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | loans>95% of shares |  |
| 2023-03 | 1 | margin squeeze | loans>95% of shares |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2023-12 | 4 | loans>95% of shares |  |
| 2024-03 | 0 |  | margin squeeze, delinquency 2x band, delinquency rising, loans>95% of shares |
| 2024-06 | 3 | delinquency 2x band, delinquency rising, loans>95% of shares |  |
| 2024-09 | 1 |  | delinquency rising, loans>95% of shares |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 0 |  | delinquency 2x band |
| 2025-12 | 1 | net worth falling |  |
| 2026-03 | 1 |  |  |

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

- 2022-10-13 [Fall Festival at Sycamore Federal Credit Union next Friday, Oct. 21 - Sylacauga News](https://news.google.com/rss/articles/CBMipAFBVV95cUxQOTZvZEdOVmdJR21SNmkzbkxyRXFaaWNUTWpWelhpRmFKaTVWTTNaWlZkRjlnQXJJT3pmT215WkdTRGFBdFVxa3hBX1BtMEVFX2VxdjhHMWFDUFhCLVdLcW9vR2JyYlhRVVQ4SHhZUnluV0JlRlJkT3FfUnlleEtQU0d6TlF2ZFY5R0NuR05FWVJqZ1B5eUhsb2hqenhMSExHd1NYSw?oc=5) · Sylacauga News
- 2022-12-18 [Goodwater woman charged in connection with credit union theft - The Anniston Star](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPdDRBUnRILVh2NmcxQTlRajl6d3pva2p4N3llcndlWk8tS19WNDA3UEV1RFhkVEJWTk5JRm91bFVGYmNsbDdabWJYMnlFM3F1a19vR2R2N0tCVFJIT1Jxc3lSbXdyVnBYVG9YMzVNWVdtLUJpQmV0WEVvam96SGF0S2xNbDBmcjE2d3U2V1dnZTF3dzVwMnU3YmpVVEdaUm1xVmNETl9VS2FPWkduZEdmamlpUUhZMG9XZ3p6TVB6RW15Y25oX1k2OGw4dTFQenlyYVFXU1BEcWFOQW05SkJaWjAtYzBSZV8zeHVFX2pYOWh4YS1GZmc?oc=5) · The Anniston Star
- 2023-07-10 [James Player Obituary (1925 - 2023) - Sycamore, AL - The Daily Home - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQRlBSVGlpSzVESlU1UUk1M2pvcWk1MFNGZk1Nb3pqUUNTQzNRQ3hBTWlHWjkxRV9CcFJMTkhhMzVWd2tQV240b0h2ZVdIMkY3bzNsSHEtQWdtbjlMMmVlem1zMk9yLTRpb2ZPa2VWV1V0eVA2dXMwamIyZzdSdHFOcHdycEdVRHRWMXpmb2tB?oc=5) · legacy.com
- 2024-02-12 [2023-24 Pledge of Allegiance – Mrs. Rainwater’s 1st Grade Class at Sycamore Elementary School - Sylacauga News](https://news.google.com/rss/articles/CBMixAFBVV95cUxQMHdtRWdYc3VjWVRGTTRibWpkdVc1cm1SN2dXOWdjZzRBbFJZWXNsVXNDdXVsZWdhblRzZTI3TUFZMldyTzJ4bUh5ZElNSWVvOWdvSlpsei1jbG41QXJ6Qzh5SV91R0FNTmVhY0VQeTNIdFdUV2FCMVByaV9EbEVIeFlwOEhObHplcWlBZ3h1NEw2VVNNSWFMb2tDN1p5Nl9GXzlGRFMycUNnaTVHUnQwR2VZa1JndndsVWVrLXlGWTg4VWNF?oc=5) · Sylacauga News
- 2024-07-22 [Foreclosure lawsuits threaten former county commissioner Tom Neyer's big plans for Mt. Auburn - WCPO 9 Cincinnati](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOT1dzbnowbXl5QkV0bVl0bmVhbzVJTlpxVkNscUlIek56ZVFaNkl4Y0FnYXMtNkp3c1JBLW1GY2duUUFWYnlwdUtLdm15SjlHbWR0VnFKa3AwYjhyRGtIcUdSWVJ3cnp1cEtIQjU5dEk2NXBxWlpuX3VpTVlGbGJxN2dUSDFZd0ZhNllBZkZxZHRyR3lEODJGUGpwRUl2ODFHcHdfemtXa3lzLTA0b0gxVmNCb3d3NnFuT3lrOTlGTzVCdDRIcl9SV1JHZ1duOVVH?oc=5) · WCPO 9 Cincinnati
- 2024-10-13 [Samuel Lee Jackson Obituary (2024) - Talladega, AL - Terry's Metropolitan Mortuary - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOZWJkR2FMN0Zpd3JCMi15ZTZpRTRuNE94OUpaMW95X3RvQ1lCXzNSeEFVcWFJSnJkVWNKc0I0eHJBa3RKWm0xN2pDUkVtYnVjTHVRWUxwbUxaT2wxQmNBLVg3QThfcHNmWjEzY203RFVyOEhiZzVoX3pwdnR2RnVBQk5WVQ?oc=5) · legacy.com
- 2022-05-15 [[WATCH] First Responder of the Month (May 2022) – Curt Looney - Sylacauga News](https://news.google.com/rss/articles/CBMilwFBVV95cUxNUUExVmpRNXZ3T2ctVWtRbl9hc1pMWHJRMDBubE5pTHhaX1pSS1lWaDE3RmF2ZEhCSzRxa3dQS0ZTakdPOUxyZGhZaTZFcEswbEtsU1d3Y0FTeF9jbTFuNHlTc3MyOGlqbnpFYXBVUklMdEQzQTdCTklaaEZuT05tel9Tb3hzUGhGMlFWellHXzY5YmpHcDkw?oc=5) · Sylacauga News
- 2019-11-19 [2019-2020 Pledge of Allegiance - Ms. Mitchell's 3rd Grade Class at Sycamore Elementary School - Sylacauga News](https://news.google.com/rss/articles/CBMixgFBVV95cUxQVkh4bkJoVDh3bUtlWVYzaDNNMzR5ck40WTA3aFppSzU0bmhQYlE3UmZteWNVZDkybjJGMUZ4ZW96X3Bwd3dPOEJxVTFXY3VlY0dYT3hOSk9Eck5zNy13QnBMank2MmJ6M2xINVhvLURoOFg0ZUo0VkFtLUxubXFUMTZXdWo2dG9lR19wamhfWUJ5TzM0dHNreXRUbXE0WERXS3oyTnlLc0hpQ1g1VHRqck1DaG9ISjFZSlYzUmgyb2F6ZmJCNEE?oc=5) · Sylacauga News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5241 (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/57.json (key "5241", 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=5241
- 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