# BRASSIES
Anniston, AL · NCUA charter 60593 · asset band <$50M · latest filing 2020-06 · stopped filing after 2020-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/brassies-60593

Who the members are: state charter, organized 1954, low-income designated. 474 members of 2,000 potential (23.7% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 53.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.5M |
| Members | 474 (-12.4% YoY) |
| Full-time staff | 3 |
| Net worth | $523,872 |
| Net worth ratio | 14.9% (p64 of band) |
| ROA (annualized) | -8.71% (p0 of band) |
| Total delinquency | 4.63% (p92 of band) |
| Net charge-offs (annualized) | 0.99% (p87 of band) |
| Loans / shares | 63% (p64 of band) |
| Cash / assets | 14.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.47% (p90 of band) |
| Operating expense / assets | 10.99% (p99 of band) |
| Vehicles % of loans | 55% (p45 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% (p16 of band) |
| Vehicle NCO | 3.20% (p97 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 11% |
| Average share balance | $5,553 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $7,560 |
| Loans granted, annualized | $702,850 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 0 |  | losing money |
| 2016-09 | 1 | delinquency 2x band |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 6 | losing money, delinquency rising, repo signal, assets shrinking, members leaving |  |
| 2017-06 | 4 |  | delinquency 2x band, repo signal |
| 2017-09 | 3 | delinquency 2x band | delinquency rising, members leaving |
| 2017-12 | 3 | repo signal | delinquency 2x band |
| 2018-03 | 4 | delinquency 2x band |  |
| 2018-06 | 5 | expense trap |  |
| 2018-09 | 6 | net worth falling |  |
| 2018-12 | 7 | delinquency rising, members leaving | net worth falling |
| 2019-03 | 7 |  |  |
| 2019-06 | 7 |  |  |
| 2019-09 | 8 | net worth falling |  |
| 2019-12 | 6 |  | delinquency rising, net worth falling |
| 2020-03 | 6 |  |  |
| 2020-06 | 7 | net worth falling, loan book shrinking | repo signal |

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

- 2015-05-28 [Chester Huckaby Obituary - Anniston, AL - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxOaVIwanFTa2FQSnpnT3BKcEJidGRhLVV1Sk5iWXBQcklkaURJal9kWE5xOGRvRTNubjh0bnNzYS1WYUJ0RHg0b0JGWGJJTzdpRFFDalBaVzlDOFVvenF0cTBaMGFXRE40SzRRNlJPdWMxbktSd3lMWEpZWDJNNl9pR1gxX0g?oc=5) · Dignity Memorial
- 2026-03-07 [Clarence Brimer Obituary (2026) - Oxford, AL - The Anniston Star - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQc0FXUUR6TWVSTldPU2VVdm9DYVI5UURvN0ttc0xxUV9Cc0VOYllFcHNpVEFRUG9kRWQ2bkgwY29oQVhXM2hmTjZIMHl3WFphMmRycEFSZkY3cF9hQm9jN2hFSUpYWnItSFVMMlZRb1NfWVlyaDRVbFI1MlZCRlA5M0JXbE9MNDlVbmtGNTVncWV5MFVfa3c?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60593 (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/49.json (key "60593", 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=60593
- 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