# YS
Yellow Springs, OH · NCUA charter 5732 · asset band <$50M · latest filing 2023-12 · stopped filing after 2023-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/ys-5732

Who the members are: federal charter, community charter, organized 1948, low-income designated. 1,876 members of 100,000 potential (1.9% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *quiet fade*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $23.4M |
| Members | 1,876 (-6.6% YoY) |
| Full-time staff | 4 |
| Net worth | $2.3M |
| Net worth ratio | 10.0% (p23 of band) |
| ROA (annualized) | 0.31% (p38 of band) |
| Total delinquency | 0.37% (p38 of band) |
| Net charge-offs (annualized) | 0.00% (p29 of band) |
| Loans / shares | 50% (p33 of band) |
| Cash / assets | 31.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.07% (p35 of band) |
| Operating expense / assets | 3.45% (p54 of band) |
| Vehicles % of loans | 9% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.35% (p71 of band) |
| Vehicle NCO | 0.00% (p24 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 74% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 7% |
| Average share balance | $5,287 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $11,828 |
| Loans granted, annualized | $1.7M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | repo signal |  |
| 2016-09 | 1 | net worth falling | repo signal |
| 2016-12 | 2 | thin capital |  |
| 2017-03 | 1 | members leaving | net worth falling, thin capital |
| 2017-06 | 3 | thin capital, delinquency rising |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 1 |  | members leaving, net worth falling |
| 2018-09 | 3 | delinquency rising, repo signal |  |
| 2018-12 | 2 |  | repo signal |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | members leaving |  |
| 2019-09 | 1 |  | thin capital, delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | members leaving |
| 2020-06 | 1 | thin capital |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 3 | margin squeeze, loan book shrinking |  |
| 2021-03 | 4 | net worth falling, losing money | loan book shrinking |
| 2021-06 | 2 |  | net worth falling, losing money |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | delinquency rising |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 2 | delinquency rising | thin capital |
| 2023-09 | 3 | members leaving |  |
| 2023-12 | 3 |  |  |

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

- 2025-12-04 [Card program aims to keep dollars local in Yellow Springs - ysnews.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPalRIaENlNVQtdWt4YU5BWnh1ZzJ5QlA0WndaWl83eXkxS05FYXVDN3NNZWJ1elVRQ216dm16cDBSbDdaYmpVdm1QWXJpQVlva0VvMzNOVjZSc3ZiRVAxdGZ6Q1g0LWVic3RaMjdZeFpnMGZVb2piRjU1QVVyQzV2Q1I0Sl91YmJiQXdpc0piOWlmMEU?oc=5) · ysnews.com
- 2023-12-24 [YS Federal Credit Union members approve merger - ysnews.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQMFBhRkptWFdyOHF0TXFRT3Zoc3ZOTTZzbmY0ZVlSdXIxQ21XOEpTLXJ0d2N0emxvcXNuSHcxbWREWFFyVlhidlFKaENrYjQtcDNMQllNVkRUMGpIMUVRZDFqZ0FJVVpSV1ZadmlxSFdheE01ajd6YXlsNW9mNUpMVnZ2cTA?oc=5) · ysnews.com
- 2013-01-23 [YS Credit Union names Sandy Hollenberg as president - ysnews.com](https://news.google.com/rss/articles/CBMiTkFVX3lxTE1ObWxGeHRpRGtlN1d1emphNVRuV2pYNll5OTdtS2NwOHhHNmZ5MTg4Z1ExYXMtNDh4NmZYV2VENHJjcjZVRVBJaFBIN1pPUQ?oc=5) · ysnews.com
- 2022-09-28 [EXTENDED COVERAGE | YS Credit Union suffers massive fraud attack - ysnews.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNNXFPemNRN3hXTUdIZk1ySVdQUTdpdVZQWncxNmNmRFUxY1VMcXpycmxPVXllUDNrc0dmZ1hqRUlTMTVCajluQ3pSOGVacGdCQnVZM3NCak1yVmpZMC1vVS1wXzVpbEZmTmxzVk5CbE1yT1JkdUpHTVdYNDZLVkpCUDZwT0VKRHJ2cGtwSW94WEtQemRfY1hYNG5B?oc=5) · ysnews.com
- 2023-07-27 [Paul T. Nelson - ysnews.com](https://news.google.com/rss/articles/CBMiWEFVX3lxTE9PUXkySnhEazFfWVpIeXU2ZTQ1aE5XeFJuOE5HLUk5MWhJT0E1X1hxT2ZCMEZSR3h6aGctNWh2SHpUWFRfYWdaY2lOcUdwdXA0bmpYVFdsRHg?oc=5) · ysnews.com
- 2026-02-12 [2025 In Review | Business - ysnews.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9pdThrazFLUTJrcXZ4NlZkWlB3MnB3XzlQMUVXdXQ5di05YkNzTFFOdVFfOFdEVDNBdjhnbUFEc3JQVjRxbHZsYTUwTWJXTWo4LWVHVF9NWG9QY1NPQVZyN280NzRuUQ?oc=5) · ysnews.com
- 2021-02-26 [Annual Gaunt event honors foundation, author - ysnews.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPVnZMb1E0Y2xROWxIc0tPUHIzR2hfR2xKb01OaGZjdHlla19kWjBuUmNoc0JGVTVnTzV0LWZVQS16eHFYV2doWF9ON0d5dDVaMEVIRW5jQnpGZXhCelFVLW8wc05nc1I0a05RTEQyZjk1TjRsU1hOZXNvR2hyNENzVg?oc=5) · ysnews.com
- 2017-04-28 [Farmers market to accept SNAP benefits - ysnews.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE1LV1h3dG9oMzRvaldic0tudTFiMnNKUWVDTzRQMEZWdncwNE1FVXQwVV9vaEFVdDNLb0RFb0tzTVpBeU82VEpONGp1VW9hcC1aYzZJNnpPTzR1UlliWnNVWTQ1RkliWXplWE1pYU5NdWE0VnIzd1E?oc=5) · ysnews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5732 (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/36.json (key "5732", 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=5732
- 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