# FREMONT
Fremont, OH · NCUA charter 5370 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fremont-5370

Who the members are: federal charter, community charter, organized 1946. 22,690 members of 835,500 potential (2.7% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 81.

**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 | $385.6M |
| Members | 22,690 (5.8% YoY) |
| Full-time staff | 85 |
| Net worth | $48.4M |
| Net worth ratio | 12.6% (p67 of band) |
| ROA (annualized) | 0.80% (p58 of band) |
| Total delinquency | 0.49% (p40 of band) |
| Net charge-offs (annualized) | 0.52% (p64 of band) |
| Loans / shares | 76% (p54 of band) |
| Cash / assets | 10.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.83% (p70 of band) |
| Operating expense / assets | 4.10% (p68 of band) |
| Vehicles % of loans | 28% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 46% |
| Third-party paper % of net worth | 99% (p56 of band) |
| Vehicle delinquency | 0.24% (p20 of band) |
| Vehicle NCO | 0.97% (p68 of band) |
| Repossessed % of vehicle book | 0.03% (p56 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 54% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 27% |
| Average share balance | $7,322 |
| Participations bought / yr | $2.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $36.3M |
| Loans outstanding per 100 members | 81% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $13,703 |
| Loans granted, annualized | $90.9M |

## Participation posture (from the same filings)

Bought $2.4M and sold $0 in the latest annualized quarter; $36.3M outstanding purchased (74.8% of net worth), $2.4M sold and retained. Sold in 7 and bought in 8 of the last 8 quarters. Shares 9.3% year over year.

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 0 |  | delinquency 2x band |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | margin squeeze | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 2 | members leaving | net worth falling |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 3 | net worth falling, 3rd-party paper>100% NW |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 1 |  | members leaving, net worth falling |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | net worth falling | 3rd-party paper>100% NW |

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

- 2025-06-10 [Fremont credit union to move to former Kroger - WTOL](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPM0hwT1c3RVdQYUZkTkJPQ0tlWk1pMFozX1NJXzYxZzFZS3dYSmljdDFWUkdoQjdZZU4yWGd5QnZLczBVb0x5TWV0cVkxWWN2ajNHbHh1ZmdyNjRUN05CLThnOWNyYU1CTTVXTWpRaVNFSEhYd3dRQkNkWFJ3WTNES0k0aVROLXczVWcxOHAzb0EyVTZFOUJXb2tKbGFhZHZsLW5GVGJ2MzJWRUJmX2dNakE5blAxOGl2czBqNGhTWThNMTFBNHRyU2REYWFvM1FNdEE?oc=5) · WTOL
- 2025-05-07 [Fremont Federal Credit Union to Sponsor the Battle of I-75 Rivalry Series - University of Toledo Athletics](https://news.google.com/rss/articles/CBMirgFBVV95cUxQUzB3R2dKeDc3cWN4UWdMNnc5bThzcGdfaUlMZXoxNWFHSkpwSU5ET29HUFJTel9paTJuQUlFdXVHQkRXNUlJTVBoNHViUjhvR2FhTUstMDlHTlBsdjVmVVNjbEVqcTlNeklWQWhCRnY1UjNNV1RpLVlTeFhpWFhFZG9LVVlQeDRWeGo1MURlVHVKeWtndEhnVGgwdkV3NXhObnY3eExEUlNrY0U0OEE?oc=5) · University of Toledo Athletics
- 2025-05-28 [New headquarters planned for Fremont Federal Credit Union - Toledo Blade](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNMHVnci1BdEtaUlZPLWIzRWd2eHF3bUdKb21qdkpYaW0tdnBlb29FcXp3ek8xRjVTNmxQWlVuX1Q0TzZ4TVBuUklnbTRGR01HUGhtR2N1N1RnTGhRVUlZWVJmaDh3enVaekdRalU2QnhRdHlJUF9UZ0JCR2F5YjBFUFVsVlluY0lRWXV3RHhpc0FpdXB0V3UyWnoxangtdERkOUZxYUZUWVZSZFRNa1BPM3F4MmIwazlMd3plWWd0NHpjV3UwemRod3dpUFFRN0V4bGgw?oc=5) · Toledo Blade
- 2025-07-17 [Fremont Federal Credit Union employees recreate 'Office Space' scene with ATM, draw police attention - ATM Marketplace](https://news.google.com/rss/articles/CBMizwFBVV95cUxQNUtGQloxUkZjUVZOQ2k5TzR4aUdHQW9qME1ydUtUS3hSODNVNDVnY2hhNE41WG85U1VBU0EtMkstMXFOaXMwQmgtX016cWxGNVZyMXNHOXYtelphYjRaeFNQZm1wS0IyWWpNQ21Zd3NMV3NzR1I0cTktQVVwaUUyNEE3RldOMUdSaHVFRjZUeHNxdHVTN01ZV1QyWlp6U3kzaFZUVm1LZlhROGhaQnIyM1dEWk5zMG9mTU5VQlNDTDJUaHdtUHBMSDZaWm8xMFU?oc=5) · ATM Marketplace
- 2025-07-23 [Fremont Federal Credit Union addresses ATM concerns with 'Office Space' inspired video - WTOL](https://news.google.com/rss/articles/CBMizAFBVV95cUxQR3Myd0YzdW81SzBTYkpiWE4tb0RNZlBqbGFON2dCanhYTl96OW1oQWJvSFgtaHdQVXhoTE5XMzExRHcxMm4wUEctaTlxSGEyUjJzRW9tcWJyWUZEQVcwbDlCcUxRdDRXTVRFMG1tLVdTWVdtWWtIaVU3TVcwOGZSLVE5VmphT2pTOGNfSWszdWNBUzVZU2laQlQ2bjZhTVF5dTN5TFNCVk1hTm1RamNJeEJlY1g1c25zVXRfS0ZZaGhEa293SVpQaTVmWmk?oc=5) · WTOL
- 2025-05-30 [Fremont Federal Credit Union to build new HQ on old Kroger site - thenews-messenger.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOdFhsdnFPdHUxVkRSZzdNVkpYdWVfdEtxUkpsUUJEQ3Z6QUc5Yi1wTDB1N3ZLZHNmT0djQUs1SlZSR2ZLMktBSUJZb2dodzRZX3p3NUhjMm1VZkxKMml6amlYdkV6WmZGVFFyTUdFWU00b2xtRlB0TnhGMm8xZHhTUU9VQW9lVkNoZERPNlFYX2tyMWU4MTVhRjJPVGU1ZWs5WWhpTFBRTFZRM1lBWTRtYjRyc3dLdTBhX3lSRG5KVEdEVEhUOERGSDJNZzB3enFPQ2NsaVk1WFN1a09BbnVDaHZDbjJISVQzcHZRVnRHMHVyMXNi?oc=5) · thenews-messenger.com
- 2025-02-24 [Donald Bertsch Obituary Feb 24, 2025 - Herman Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9WblRSNWd3R2dGZnBMVkNIME95VHhFOWNBbEJZZXdoVkFuVWMwZ051dTM5d3VGTVZQaDV6UGhhZ3ZNQ0U3cmN6a2RaVFZpZzhjcHkyQU81M08ySjhRRlB3?oc=5) · Herman Funeral Home
- 2025-05-05 [Fremont Federal Credit Union celebrates new B.G. location, announces Battle of I-75 sponsorship - Toledo Blade](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOM2JVM3c4VEpWaGg5cmJ1b2hKVjVzSjhFRDVyRmVDUlh1S0FXN1NrdlBnOTJ0U2M1c1ZNWFkwWWU5M084SkllX1plaDQxa2FhaUFpdmRrY3lydjdiU3dxcVhnanMzRG9KMGZoaGtQbzlfd1hzU1RHcTJmWmlzdkhtOGxHQjVnb3kwazJVN0pqRDk2NVByM2cxZWg5enh2UkVIQjFmeld0TVJFV0ZJZ3BkMTdyanpxWVFWSVdnOUpRLXpmWFVzZ3hrTjNaZGF4Vl9OLXF1cXdjeF9SMnRab2l4R3RnYVF2Zw?oc=5) · Toledo Blade

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5370 (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/58.json (key "5370", 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=5370
- 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