# ALLWEALTH
Hamilton, OH · NCUA charter 5845 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/allwealth-5845

Who the members are: federal charter, community charter, organized 1948, low-income designated. 2,173 members of 383,000 potential (0.6% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 51.

**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 | $32.4M |
| Members | 2,173 (-2.3% YoY) |
| Full-time staff | 9 |
| Net worth | $4.0M |
| Net worth ratio | 12.2% (p32 of band) |
| ROA (annualized) | 1.42% (p83 of band) |
| Total delinquency | 1.98% (p78 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 70% (p68 of band) |
| Cash / assets | 29.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.09% (p59 of band) |
| Operating expense / assets | 3.62% (p49 of band) |
| Vehicles % of loans | 17% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 3.31% (p89 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 76% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 7% |
| Average share balance | $6,605 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $18,111 |
| Loans granted, annualized | $9.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $1,382 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 6.5% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 3 | net worth falling, members leaving |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | members leaving |
| 2018-09 | 0 |  | thin capital |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 3 | thin capital, margin squeeze |  |
| 2020-09 | 4 | losing money, members leaving | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 6 | net worth falling, delinquency 2x band, delinquency rising | losing money |
| 2021-06 | 4 |  | delinquency 2x band, delinquency rising |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 2 |  | margin squeeze |
| 2022-03 | 2 | net worth falling | members leaving |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2022-12 | 1 |  | delinquency 2x band, delinquency rising |
| 2023-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 | assets shrinking, members leaving | thin capital, delinquency 2x band, delinquency rising |
| 2023-12 | 3 | delinquency 2x band, delinquency rising | members leaving |
| 2024-03 | 1 |  | delinquency 2x band, delinquency rising |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | assets shrinking |
| 2024-12 | 1 | members leaving |  |
| 2025-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 1 |  | members leaving, delinquency rising |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 1 |  | delinquency rising |

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

- 2026-04-17 [Best of Butler County 2026 winners: Professional Services category - Journal-News.com](https://news.google.com/rss/articles/CBMiggJBVV95cUxPRURjaFQwZ1B4QXBXR0Y3ejl2dGZCeEhBaWNsUzJSN1RZcGszMHhBSU1scU5vZnRhbS0xUks5MmRlYzZvdHgwYmxrYUU5WVVMX2V6VnJ0UTAzSDVBUm51ZzFIOVppT1FhQnRYcGlrUjNUekEyU3hTXzU0eXBvNE5iZmZSRW1CR1lxQ3lJSWVSNUw1N0lYR2xLM2VsM0VCOUNjZUszZGdlV3hYNFRSSUVvdFZaVUhQM28yajhpVldub1NGOFJHa3RDU3lTUi1SY2gwWS1IZWY5MFNmRnJJUEFmQUw1X25lTmNTQWlhdkhzRERLdXhiQ25aVk5ldXZrSm56Rnc?oc=5) · Journal-News.com
- 2026-04-18 [James Alan Boerke Obituary Apr 18, 2026 - Nimsgern Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBwbzhuUDJQSE90S1g5STZSajlpUTlzcmI2TERESWktanBiUVk4MjNDenBfVFo5OFozc3A2UkpDZjRfTENWVnlrOFlPLXFvbS1JNkNaOTVNLVpnRUZvc3FCNXNJMm0xZw?oc=5) · Nimsgern Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5845 (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 "5845", 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=5845
- 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