# MEMBERS
WINSTON SALEM, NC · NCUA charter 60002 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/members-60002

Who the members are: state charter, organized 1953, low-income designated. 47,453 members of 125,000 potential (38.0% of the field); checking penetration 80% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $481.8M |
| Members | 47,453 (-2.0% YoY) |
| Full-time staff | 120 |
| Net worth | $69.1M |
| Net worth ratio | 14.3% (p86 of band) |
| ROA (annualized) | 0.75% (p55 of band) |
| Total delinquency | 0.95% (p76 of band) |
| Net charge-offs (annualized) | 1.58% (p97 of band) |
| Loans / shares | 45% (p3 of band) |
| Cash / assets | 10.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.11% (p82 of band) |
| Operating expense / assets | 3.56% (p44 of band) |
| Vehicles % of loans | 67% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p20 of band) |
| Vehicle delinquency | 0.39% (p35 of band) |
| Vehicle NCO | 0.98% (p68 of band) |
| Repossessed % of vehicle book | 0.20% (p84 of band) |
| Real estate % of loans | 5% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 27% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 7% |
| Average share balance | $4,452 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $209,289 |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $7,851 |
| Loans granted, annualized | $68.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $209,289 outstanding purchased (0.3% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 6.4% year over year.

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 2 | charge-offs p90 |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | charge-offs p90 |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | charge-offs p90 |  |
| 2017-09 | 3 | members leaving |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 1 |  | members leaving |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | members leaving |  |
| 2019-09 | 1 |  | members leaving |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  | margin squeeze |
| 2020-12 | 3 | margin squeeze |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 2 | delinquency rising |  |
| 2021-12 | 3 | charge-offs p90 |  |
| 2022-03 | 5 | net worth falling, delinquency 2x band, members leaving | charge-offs p90 |
| 2022-06 | 4 | charge-offs p90 | net worth falling, members leaving |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | delinquency rising |
| 2023-03 | 4 | delinquency rising |  |
| 2023-06 | 4 | assets shrinking | delinquency rising |
| 2023-09 | 5 | members leaving |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 |  | delinquency 2x band |
| 2024-06 | 3 |  | assets shrinking |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | members leaving |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2025-10-16 [MEMBERS CREDIT UNION ANNOUNCES GRAND OPENING & RIBBON CUTTING OF NEW STATESVILLE BRANCH - City of Statesville](https://news.google.com/rss/articles/CBMipgJBVV95cUxPaFU5cnpXYlB1WUJPWUJTcWpoT2YtTnJ1aUVrNGJhT0w5aHBDNl92eHJsaW00NUhoMVZEVG1wY1ZYeEhVcEhqME96N1FWRnl5UWlHa2RkX3poLUhOSVhTeVNFYS1JVHd5bzJYdXVpODBrNFNnSTBZZXFPa3E4Zk1aSzllOWhlVEJubjFOR1VjbWp4dTRrd2h4WE9WUkpYZWtjWVIyLXR4a1hWWUZoWDI3RHhZYXl4cWFyMWZXWEE4NGkwSFVQM19fcnJkN0FpbmtlakIwUV83ZEJiak9fZjBSMXQ2V1BESUpISEJVbW15cmRNS2oyZldaVllQa3RuRFpiYkc5QjIzejBnaUVqTU1CTFJqX3habm8yS0t6V2gzcmQ1YUc1TEE?oc=5) · City of Statesville
- 2026-05-05 [The 10 Largest Credit Unions In The U.S. - Bankrate](https://news.google.com/rss/articles/CBMidEFVX3lxTFA4ZGZEYmpOV1llV1R3VDk5T1pYcURFb01HcEc0VTQ2RlFfajJfa1UtMi1HRGN6ZDFsaXUzcEVsaDlKZDE5NW9YTkgyWU82V3lWT25sYi1SOXlNSWhlT0p0N1JLbzFKaWJRc2N5dHozMndDbVI0?oc=5) · Bankrate
- 2026-08-26 [UPDATED: Real estate shuffle coming as Piedmont, Truliant merge - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQV1VSaEV1VDZ1UW1TMkNDN2RxZUJDRjM4UGJrVHE2andJYzdhWW5ralR6VlNDNXFDQ2Y1dFh2VC1nb3gwSXhxbllZS3JTNUlURnZVd2Z3YzZrZTRzeVVwYy1SY09tMWRwWlluTUxKcnZ2TWE5SDNLdmFFVVFnRW90R0x0TjlGMjFqeVRQMldoNUl0aHVld2Vhb2swR1BLZXRvOExfQnJ6RQ?oc=5) · The Business Journals
- 2025-11-30 [Unanticipated complaints, rising costs and losses engulf a $4 billion N.C. credit union. - Business North Carolina](https://news.google.com/rss/articles/CBMirAFBVV95cUxQN0UyWnVtb2EtaDBDVzFTUGNlTE5FVnEtNU9MQ1g4ZC1hVkZWbEhDR1JqSHlFUDQ3Nm94b1NNUWZnNWdiZDdMNTFQR21HZ25rT3ZDaEU3bjl4NFU3NW14TDZPVXdZWU9meTJXMl9QM3lBUlJwTUU2YkZScXBWOXA0QWdWT1AwZUhpRFNqM21jZ1JHTFRvM2ctSzRzanFLWG9UNDdicVBWd0xNLVZK?oc=5) · Business North Carolina
- 2025-10-10 [Members Credit Union opens new branch in Statesville - Iredell Free News](https://news.google.com/rss/articles/CBMipwFBVV95cUxQMlZEX0ljNDFHVVVZdjRnemktdUZlN21mcFJ2SEY0QkpSc1ZmOTExaHlqdi11S1BCYWMxdWJEZ1phaVZUWWdkQXZPck4tVDItSnl3QTF4MEZuRS1TYmJLT0I0TEpjMnB0U1BKMzNEN2JidUFDR1p5aXdoWUhhVmR0NGdsSVB3S3ZMMHFsUF9aMG1hakstQzVKUEltN0ZHbGtvTV9UZG9PTQ?oc=5) · Iredell Free News
- 2026-08-04 [State Employees’ Credit Union Awards $233,000 to Help 466 Young Members Attend Summer Camp - markets.businessinsider.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPRDJqU1RrUHRSa3RyR0hhanlfWkFtZG1qcFA3Yk43cmVUTzVEX2wwZ1JqNGNHNHNPMUtZcHEwX1YwdUd0dGZpWFJZRDJtT0RZVGZBYWR1bXdtT2VyX0Y3T2dOZDQ2SVZJM3ZvRmlxTXFoSlVtejZGSFg3REl5SFZacHJsX1Q0N3F5dnc5ZUVNbVRTUWkwUE4zdi02RDRPZmZwWFhwVVRUclN3OU54MGxHVmtfRjl3OVNyVUEyX3N0amYyX242Y2xrdXoyUzZvVUJpc0ZPX2lQY2p4Y3hWVnMxQQ?oc=5) · markets.businessinsider.com
- 2025-10-22 [AACUC announces 2026 African American Credit Union Hall of Fame honorees - CUInsight](https://news.google.com/rss/articles/CBMiswFBVV95cUxNTkdDZUJqSlVmV1pyYXNzVlVDUjltWE5JdWhvVTRXQ0RCSDFWTWphQkJDNWVxdWNzZWsyWXBUckx6SGxOVHZHbVNFWG5MNGUtQjg2dGVVWndRdUktM2NmblR1WUVmREVZSjk4ay03N1paMVgwQk0wUHhUM3JCdjBtWVRkMVlTTXFteExHSXJuMzBCUkk4QXNzOWI4YTdVLURiTTVDNldIazZfaUMzYzZUUWlQQQ?oc=5) · CUInsight
- 2026-02-10 [Civic Federal Credit Union loss widens, membership falls - Business North Carolina](https://news.google.com/rss/articles/CBMihgFBVV95cUxNZFQwNV81NHFCZGFva25PREFEWnp5d05ydTF2YWVlZm1mS2VkZmFfT2xmQ21XcnZHZmNMSkduZ1BNUkVMeHZ1TmQ2TlpWaExtNEFvT2Jpb1UwSXlnTE1Zd1FKZnpvM2FTMTJwRXRDN1Z3TG5INUdQTjJhaTBacHNaNFdJbW5Pdw?oc=5) · Business North Carolina

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60002 (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/34.json (key "60002", 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=60002
- 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