# UNITED SERVICES
TOLEDO, OH · NCUA charter 6019 · asset band <$50M · latest filing 2016-06 · stopped filing after 2016-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/united-services-6019

Who the members are: federal charter, multiple common bond, organized 1949. 873 members of 2,700 potential (32.3% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *too clean*. 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 | $7.1M |
| Members | 873 (– YoY) |
| Full-time staff | 2 |
| Net worth | $952,039 |
| Net worth ratio | 13.4% (p56 of band) |
| ROA (annualized) | -3.81% (p1 of band) |
| Total delinquency | 0.02% (p12 of band) |
| Net charge-offs (annualized) | 0.41% (p66 of band) |
| Loans / shares | 27% (p10 of band) |
| Cash / assets | 22.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | -0.87% (p0 of band) |
| Operating expense / assets | 3.61% (p57 of band) |
| Vehicles % of loans | 47% (p43 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 0.00% (p29 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 7% |
| Credit cards % of loans | 22% |
| Unsecured % of loans | 46% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 3% |
| Average share balance | $4,323 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 40% |
| Average loan balance | $4,422 |
| Loans granted, annualized | $1.7M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |

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

- 2017-01-15 [Kathryn L. Price Obituary Jan 15, 2017 - Walker Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMia0FVX3lxTFBGRXhLeER6NjgzQ2lzUXVINXh6X2R4cmJKOWl3cHEwX3BVS24zRFd0N1lYdnB6LVpwYjhGVGxSaGVkM1BqbkFURDJnak94R0dURFluRW94RXhNRnV1WWJ4NU1INHdQM3c4cWFB?oc=5) · Walker Funeral Homes &amp; Crematory
- 2025-07-01 [103 Largest Lenders in the U.S. - BadCredit.org](https://news.google.com/rss/articles/CBMibEFVX3lxTE5nazBHajJmVmlMVVI0XzhfdmRsblBIdk9CQkwxeVV3YW5rODAtUEFld3ZSLUJRY0pqRXlUUGQzbW5ZZkFONkh6STFvSm1jOE0zQXJlVVota3FjeWczS0RhVHhfZ0NrLS1OX2doX9IBckFVX3lxTFAwbENXMS1NR0IxTmlOeU9SLUg2M1FDNksxSnRXclFVWXBiRkI0eWM5cTJhdHl0VjF5Y1pjN0Y5b3QzOE5zV3V1WlVjd19xRUM5MXMyTFlTUHJobzZjNXZub1FiN01iNnpMa1lYQXpfbXl0UQ?oc=5) · BadCredit.org
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - imore.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · imore.com
- 2022-11-10 [Fortune 100 Best Companies to Work For - Fortune](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1OUzE3MDRiempQR2wzckFhalRnSkZaVGt4RE1VMUN1bkVENzRaRHR6bXE3QnVIV3RXcU1NeWJTNGxzWC1BQW1LNHZ1ZF84QTYwYzMzOGg2TDVvbVdu?oc=5) · Fortune
- 2023-01-06 [USAA insurance total loss sales tax class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMixgFBVV95cUxNYkdwZGlsenhDM2dPeWhlNkJWUU83cDF6X3FzaUpsNnlIZUhrX2hLY1I3bktHQVRVemNTc0FRT010ejdZdTR4TEFzZEJZVWJpVi1acEpZWElrTXBRUm41RlRVa2pSdTR5VkdLRDRYVzYtRWNpT3VMQlZ2alZPWWswbFZGNHlWbl9qMkl0aGN2SVV1OE9xS3ZSMkgtVWVVTXlEMmcyMEduVzhYZVhnamQ5ZGtNcC0yaVl4ZWsycFpQREFleXIxSnc?oc=5) · Top Class Actions
- 2011-03-23 [Does Someone Owe You Money? Part 8 - Patch](https://news.google.com/rss/articles/CBMijwFBVV95cUxQMk9rNkpjS1dCOWpmbVpLdmtlWDFZb2p5TDladDlscTE4R1lxZUVrbDVMR0doWTlSRXFBWVJWZkI3dU1kaV9kcVM1MzdTbUt2ZkNKeHpvcl9aQTN3WGZlTzJVLWdCa0tLclU1V1g3RWRXRmZqTm1uVUhwUFRSV3o3cHZQWGlhMlBuYWpGNl9yOA?oc=5) · Patch
- 2021-11-30 [Florida USAA Auto Sales Tax Class Action Settlement - Top Class Actions](https://news.google.com/rss/articles/CBMiuwFBVV95cUxORmFSZ09XeUFXLTVtemlSZjY5VVdEck9xdzFFQlpaLV9XYUdTT3dzbk1FM3RNX3ZnQ0xrQUpEdTdveFhybXFuanVrUDR0ZlYyXzk0bkhOSG0wdjdNSTBZbmdBeGdsblpEVkR3SjNQaDdBV2F2R1V5NWFKd1k4OEFWNHBweW1VYnM2LWhnYnc3OUZYcWpudlVvWmZZU1pleWl2VTNsNWp0SVcyWWdKNDRsU3VpX282V0I5TzJj?oc=5) · Top Class Actions
- 2022-11-10 [Fortune 100 Best Companies to Work For - Fortune](https://news.google.com/rss/articles/CBMiXEFVX3lxTE51cTViVVJiNkozdE1xUzJJRDI4OWI2YUhQeUE2dUZPUjZQX3pxRnR2Y1l5aVVIU3hwNE1HNy1UVEZlel9ZOXF2ZG03NDNwS1dPTmtwTElXV3NoYXVU?oc=5) · Fortune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6019 (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/3.json (key "6019", 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=6019
- 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