# CHAMPION
Canton, NC · NCUA charter 60721 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/champion-60721

Who the members are: state charter, organized 1932. 36,123 members of 626,410 potential (5.8% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $555.1M |
| Members | 36,123 (-0.5% YoY) |
| Full-time staff | 112 |
| Net worth | $65.9M |
| Net worth ratio | 11.9% (p71 of band) |
| ROA (annualized) | 0.57% (p45 of band) |
| Total delinquency | 0.28% (p20 of band) |
| Net charge-offs (annualized) | 0.40% (p49 of band) |
| Loans / shares | 92% (p85 of band) |
| Cash / assets | 10.7% |
| Borrowings / assets | 1.80% |
| Net interest margin | 3.90% (p81 of band) |
| Operating expense / assets | 3.79% (p62 of band) |
| Vehicles % of loans | 26% (p44 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 77% |
| Third-party paper % of net worth | 134% (p58 of band) |
| Vehicle delinquency | 0.32% (p25 of band) |
| Vehicle NCO | 0.77% (p46 of band) |
| Repossessed % of vehicle book | 0.06% (p54 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 41% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 17% |
| Average share balance | $6,744 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $268,647 |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $29,446 |
| Loans granted, annualized | $115.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $268,647 outstanding purchased (0.4% of net worth), $2.2M sold and retained. Sold in 5 and bought in 0 of the last 8 quarters. Shares 1.3% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | 3rd-party paper>100% NW |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | loans>95% of shares, 3rd-party paper>100% NW |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 4 | leaning on borrowings |  |
| 2017-12 | 3 |  | net worth falling |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | leaning on borrowings |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | loans>95% of shares |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | margin squeeze |  |
| 2021-03 | 2 |  | margin squeeze |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 1 |  | net worth falling, delinquency rising |
| 2022-09 | 2 | loans>95% of shares |  |
| 2022-12 | 4 | delinquency rising, leaning on borrowings |  |
| 2023-03 | 3 |  | delinquency rising |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | loans>95% of shares |
| 2025-03 | 1 |  | leaning on borrowings |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2025-10-06 [As new building energizes downtown Canton, Champion Credit Union brings leaders together to honor community resilience - CUInsight](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPQkI4Nm8tQ0wxY3BKRlNBdFBYOFk1RVpma0RoU1luQzVCbFBTREx2QmFMYklCSUpITzQyNmJBal85SkMza2o5M0pOT0w0bzZhSVhtZ0RnczBQVE81V1BxVzdSd0p6c3FTMFRjVEpGYTB3QzhldlJRSGFrR20xV0hjXzBodGRfYnF4bUpGVmpMZE5JTkNHZUJQSlJFdVlXUVhLNG1OdlFqVXdkMHhRcnRIYWZ6WG96UkZhRmFFQU9Cc1B5UnA5YzYzUmU3YzE1bkpnUWx5eUlpS1diVGNCMS1zTW5PM2VncHlwUm5Mc0JZTQ?oc=5) · CUInsight
- 2026-03-07 [2026 SoCon Downtown Dribble & Kids Fest presented by Champion Credit Union - News Radio 570 WWNC](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNMzlWdF83OGtSQXlsQnJYR0t1RkJPbWhiV0ZtcGxwaGwyRnNETGFOODRsc25CQ2xJRkpFTHZGZVdiUUZPcm1NMlJ0anRtOW1WZFNUN2JjbGZZbFpUSmZ6U1ptZlZPbTItSl95OXhCVEVFR3BrN19QNEhuRW9UcXpPVmdiajFNbTZScFplNXhkMmpuSTZnMnBHRVJrLUU5VVBoVEZIRnJJOHBHckNGLVdiNXdkb2taMkUydVk0NTNkT013a28?oc=5) · News Radio 570 WWNC
- 2023-09-25 [New Canton headquarters underway for Champion Credit Union - The Mountaineer](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNR1ZtR2xaZUx4LWJlcmZoYUFTbm53RkNIb1A3NWF0ajJUWHhpcHdFZ0xOa3lGSWY2TllRazVreVU2VGM4TmpBck9Ea2V4TjJVVUowQ093d29qRHpNUVJqdi01R1lFRGtXelFaZUsxbkhvT2tEN2V4RlFZSnM1VWxWT3BBYzFUcmlYRTZ3dmg2aHBfRW9OdTR0eEV0VWZjSWw2ZFZfb3pnMmxxVnR3N3BvTHAycDZyZWdMZU5GeEVIX0lzZGZxcWwwMHZnczJ5TUhDczJFU29KNWdQRTJK?oc=5) · The Mountaineer
- 2025-10-31 [BNC’s 2025 Building North Carolina Awards: Bold and Beautiful - Business North Carolina](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNS285ZGk5ZmgzT0RVclBYN0lkSHZHRHM4ZGVZbTUwRXRDZjFDQXpwSVREZWVzMDRhR3poU2hrQXBMM0s4czN3dG8tekhJVUhhWUVpeEczTHdqcXduZ1VHb2VKaE01cWpnSGxoYkNxbVFRMF8zUU5wN1luM2ZXLVh3dnB0X3VzaUlwZEpz?oc=5) · Business North Carolina
- 2019-02-05 [Champion Credit Union opens location in Mills River - BlueRidgeNow.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxNWWY3NDY2S0ppT3dmbXFlLW1QVzVydVBxTjJXZ0IzZjZYdDVFQXJOaTdSZGl2MjRmdDlwSWJFS0p0aUF4dkpjV0JZTF9rUFlPSkthUnl2NzBVOG9HbkNRZ0FlTW9MdGwxY2dlb1ZsLVBGRG11NUFhTjA2SmxnanEtV0dJMWRkaHJqNkhPUXRHZDBPNFh3SUdEU3hJckJLc1JfOTJhNEpXTkNGSzhUalZPTVZJRmY?oc=5) · BlueRidgeNow.com
- 2025-07-23 [Canton leaders still hopeful that town pool will reopen this summer - WLOS](https://news.google.com/rss/articles/CBMi9AFBVV95cUxQd0ZyTVd0SFpaOFVraG5MN1N4bHQzeDQzNWpQOVM4WkdFaTVuZm9mV2oyWU03Sm96VjF6SUpnR2xpY3Zmajdfa2VXQVpycXI3dWhJYWlrQWtPNXdING10TzVRc1Q1WVI2bnpIYk96NnBJWmQ5ZFJaMEhkLW1WQ0x4bXVUUldleTZPdXhyb3IzQndGY3phS0NQMU1ocUhoNWxldXVsc3Q4d1Z4cWdRV3BvbVI4bVc4aTNmaUlMRmRUVlZfaV9HZUF6bTdhSnhVV1h0dUtiLWhLOUk3UVpLLVFVOTgycmZONlJ5a3hyRDMtbllSdnVf?oc=5) · WLOS
- 2022-04-02 [Champion Credit Union named as one of the Best Employers in North Carolina - CUInsight](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNQWFiRnR5OEFDSGZTLUpTVXp1azZjNDJKY05kY05iaTBabXVveklzV0JRT3A2QzctZEZ0WjY3MExzU1YwOG9NMGIwS2tMWGFfelZwenh5d1RZei1MckZTUE0tb2dvNGhJVVlEWjRCdE14X04tbFRzakg3N2tNc1pKWEVTNWZXOUxrWlRYVGVtM29vZkljUmFBLU1hUzRaZTZwVG5PWGt4T3p0Tzk4WmZ4SUxJa1otcS1s?oc=5) · CUInsight
- 2026-08-25 [Former Credit Union Employee Makes Run For Congress In North Carolina - cutoday.info](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOZEMtenFZMDBCSzV1MF9qekhqYVBtSERkSHZ3ZE1YNEZFSVhUZDljLTFuT3Qwck04MjR4NWxEZTkteHZoeHhCUHZ1OUxSRjNXMWM3S19vWnNNelNqelB1ODZGcTljUTUzcXZvLVJLanJiUXNfUTRYaS1BbW5EaEQ4QXpwOVBBR0dqWTR1MlJ1dUN5RXMxVkFXbFMxY1UxbGpxREh4X1F0djY5dw?oc=5) · cutoday.info

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60721 (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 "60721", 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=60721
- 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