# FOCUS
TOLEDO, OH · NCUA charter 5461 · asset band <$50M · latest filing 2020-03 · stopped filing after 2020-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/focus-5461

Who the members are: federal charter, multiple common bond, organized 1947, low-income designated. 1,245 members of 1,245 potential (100.0% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 75.

**Verdict on the desk:** this could be *stressed*. Composite score 13 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.2M |
| Members | 1,245 (-22.9% YoY) |
| Full-time staff | 2 |
| Net worth | $249,091 |
| Net worth ratio | 4.8% (p1 of band) |
| ROA (annualized) | -5.00% (p1 of band) |
| Total delinquency | 2.60% (p83 of band) |
| Net charge-offs (annualized) | 7.24% (p99 of band) |
| Loans / shares | 53% (p40 of band) |
| Cash / assets | 11.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.70% (p88 of band) |
| Operating expense / assets | 8.58% (p98 of band) |
| Vehicles % of loans | 63% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 3.79% (p91 of band) |
| Vehicle NCO | 14.17% (p100 of band) |
| Repossessed % of vehicle book | 0.51% (p96 of band) |
| Real estate % of loans | 11% |
| Credit cards % of loans | 18% |
| Unsecured % of loans | 22% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 17% |
| Average share balance | $2,375 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 75% |
| Loans granted per 100 members, annualized | 101% |
| Average loan balance | $2,782 |
| Loans granted, annualized | $12,496 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | losing money, expense trap, delinquency 2x band, charge-offs p90, auto monoline |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 2 |  | losing money, delinquency 2x band, charge-offs p90 |
| 2016-12 | 3 | delinquency 2x band |  |
| 2017-03 | 6 | thin capital, losing money, margin squeeze |  |
| 2017-06 | 7 | net worth falling, charge-offs p90 | margin squeeze |
| 2017-09 | 7 | margin squeeze, delinquency rising | net worth falling, charge-offs p90 |
| 2017-12 | 5 | charge-offs p90 | delinquency 2x band, margin squeeze, delinquency rising |
| 2018-03 | 6 | net worth falling, assets shrinking | charge-offs p90 |
| 2018-06 | 5 |  | net worth falling |
| 2018-09 | 5 |  |  |
| 2018-12 | 8 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2019-03 | 12 | capital below 7%, charge-offs p90, members leaving |  |
| 2019-06 | 12 | loan book shrinking | delinquency 2x band |
| 2019-09 | 14 | delinquency 2x band, leaning on borrowings |  |
| 2019-12 | 13 | repo signal | net worth falling, leaning on borrowings |
| 2020-03 | 13 | margin squeeze | delinquency rising |

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

- 2026-03-26 [Credit unions must balance digital growth with personal service - CUInsight](https://news.google.com/rss/articles/CBMilAFBVV95cUxPOEFRRDI5b3dPWUlyaXhlZFg4U09zVzR6YTdGV1hvMnhwY3hkV1VBcjZ1ckI4Y1pIMW9WMEw3RkJHdEt4LThaNzhOdHc0VjlNcVVFMnZOdVhSSVdLSlNUT0hmdWY4TUZFVzlmQ2pPYjdVWnRIYWRzV0N1MXpoUEh0THJlZTR4TWhUWEhwWExXUXNwdzNl?oc=5) · CUInsight
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- 2026-08-24 [HelloNation Article Featuring Credit Union Expert Jeanna Costanzo Highlights Smart Habits That Help Improve Your Credit Score - Yahoo Finance Singapore](https://news.google.com/rss/articles/CBMilgFBVV95cUxOQVUyNTVlSl9yNG5HTy1YWEppUFZUa09hWlI1c2xscVRMRXlQWC15QlRmTnZwNTJ6ZmkwTmppN0hVbW9xeGlnbS1hRjdpMDFwTFZsTkJMU3lwbjZZQU9JaXE2LS1uck1zMEhfYnRUbjg3VFZkbWJxUENNQXkzX2N6Y2ltZkpwbEF1elh5Y0YwNEJkQXFHcWc?oc=5) · Yahoo Finance Singapore
- 2026-03-05 [717 Credit Union Surpasses $2B in Assets - Business Journal Daily](https://news.google.com/rss/articles/CBMifkFVX3lxTFBoR1lXbHdieGtPWlJobjA0UjVWVENKMThyQVJlOVc1bjdEWGJFaG9ZZkJNU0tLZnlPZS1tZ2s3akM3UTB4ZzNZRUJFMGpaeHlmTWNLQnREbHIwT0l2X2hnRTN0WFkzN29jUnFVb3NLVVdKalZRTlMtQXlVVHU5UQ?oc=5) · Business Journal Daily
- 2026-04-05 [Century FCU Lands Multi-Year Deal With Cleveland Guardians - cutoday.info](https://news.google.com/rss/articles/CBMimwFBVV95cUxNbzM1OXZVbkFQZmFWTl83Skt4Ulg3QmktMUdtY2VZSzVGODN1d0FMSmp2bWxYcDd5cVVPY21TaVM1Vy1RR0p5RDlpbzRjdXBlVTU4SzM2NE5STHdNRTBIY3lEVTh4R1Z0TUt5U1FabWdMazBWUklJay1IeThfVmpUem1yNWxWdkRtYWt3QUJRakZPX1N3azdGVDM0Yw?oc=5) · cutoday.info
- 2026-05-28 [State boys volleyball preview: PAA keeps its focus internally - OSAA](https://news.google.com/rss/articles/CBMitAFBVV95cUxNRFYycDdTRUdWWGNxcldBNDAwWE0tNHRKNmNJMlp4ZjRud3Q1d29YbXFiV2lkNWxnWGk5emYwWUVyOEF5eXAyUVFYcjNmcW04ajBaY0pMQURLajVmR3A4NlV2UFdKNjQzRXdDZVRVNjdLV1pMQklpcjVNZXFUX0stVHNBWnE1SWhraWZjeEZ6U0c0Vld5M19RUlZHXzNKUHRVUGR3UnFxdzV2SFFoQUZ0Q3dXS1Y?oc=5) · OSAA
- 2026-05-29 [Picture This: Organizations focus on downtown cleanup effort - - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMivAFBVV95cUxPdXdWd0Vra0VCMmFVWEZxS3d1QmVabDZTbkxiakR3b1dldE50bkhzQXYtY0RBSE5temYyUVFFT3dNbUptRkRGWFpvajYyNzZyQllnN1lKanFmblJId0x1bGtOOWRkc29vNUN5cFRiVWVIRmk2ak9kbEJMRlZxODZiOGIzNmtZNFYxM3NHWFR2N09PQmJ0VkpnUGRhVHI0eS12a2pFNGg5WnF2eW5rMS1JWERuSEptVi1HdGdydQ?oc=5) · The Parkersburg News and Sentinel
- 2025-12-06 [Ohio lawmakers connect financial literacy, hands-on bank work: 5 takeaways - Cleveland.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxOODBCejRtb3dYbEdDelpvbGdtU3FpM2NnN0REc0U5SFJPUzY2R01fVmZGLWJkcGRiMG8zc1ZQUjZrdXpWa21BNXh2T0hNZHM4ZUdlMl9aT3NEbllWUkR5ajE1VFlUaU5KdExhUFNvMGZ0bHBRbV9LY3NhUHZ4eV95SEZjeUhUVXhVLUlFQk8zVC1IVEY0YUw3djJpb19MYW1sQWNzZ1F2Ul9yY2RRSUoyNURSTTNuZWM?oc=5) · Cleveland.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5461 (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/21.json (key "5461", 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=5461
- 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