# ACCENTRA
AUSTIN, MN · NCUA charter 60798 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/accentra-60798

Who the members are: state charter, organized 1930. 17,036 members of 383,794 potential (4.4% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $217.1M |
| Members | 17,036 (-0.1% YoY) |
| Full-time staff | 40 |
| Net worth | $21.9M |
| Net worth ratio | 10.1% (p31 of band) |
| ROA (annualized) | 1.03% (p73 of band) |
| Total delinquency | 1.82% (p96 of band) |
| Net charge-offs (annualized) | 1.17% (p93 of band) |
| Loans / shares | 70% (p41 of band) |
| Cash / assets | 23.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.68% (p59 of band) |
| Operating expense / assets | 3.47% (p41 of band) |
| Vehicles % of loans | 47% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 59% |
| Third-party paper % of net worth | 198% (p80 of band) |
| Vehicle delinquency | 2.97% (p98 of band) |
| Vehicle NCO | 2.15% (p92 of band) |
| Repossessed % of vehicle book | 0.30% (p91 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 11% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 23% |
| Average share balance | $6,104 |
| Participations bought / yr | $3.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $767,455 |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $14,588 |
| Loans granted, annualized | $54.0M |

## Participation posture (from the same filings)

Bought $3.1M and sold $0 in the latest annualized quarter; $767,455 outstanding purchased (3.5% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 4.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **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 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency 2x band |  |
| 2018-09 | 1 |  | delinquency 2x band |
| 2018-12 | 2 | delinquency 2x band |  |
| 2019-03 | 3 | net worth falling |  |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 1 |  | delinquency 2x band |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | thin capital, margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, thin capital, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 4 | delinquency 2x band, members leaving |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | delinquency rising |
| 2023-03 | 2 |  | members leaving |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 | assets shrinking | delinquency rising |
| 2024-09 | 3 | delinquency rising | assets shrinking |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 4 | net worth falling, repo signal |  |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | net worth falling, charge-offs p90 | repo signal |

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

- 2023-10-09 [With day off, Rochester credit union members give back to community - Post Bulletin](https://news.google.com/rss/articles/CBMipwFBVV95cUxQMFRQajhUZHRGQUNNbjJPYUNXZC1uelpiVWp1dDNZczhiMGhveVl6RFV5Y1BOd3pmSVdWdXVYbjBwYXVMdi1Ud1pBU2JzeXJQYjlzWURyTXhDdVlhUVY1UzBsTjV5bWJtWXJQbml6SVFZTGVfR2lQRGVuanBmQl8xUEZ6Q1h3NU5rb3ZrdkxTWFhzM2pYOFpJZ1FXaXlxbkNaUkMzcWRHbw?oc=5) · Post Bulletin
- 2024-03-07 [Austin Salvation Army participates in Minnesota FoodShare Month - kttc.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOcWlMWHBxQzZUMDYyMTNWVHJOQ0FtZmYtU2pXSWtEZ0Fuc2RMOVRrbzhzaGdRT0JxVV9BRFpBSEppWDBNWktoUWFrLUdfSWtWd1J2c2FDOVdJdDBZdzBwWjJrUmtEREdkbkhab3l0Z1oyUVRnb1VKRlVqLVlKM0dGUmdPalFzS0tBc25GYXR5VXhzMGR1b295Z9IBrAFBVV95cUxOcGs0RTZNRUZjZW5sUGo3akZTLWpYTGpXRWJKY3FaYktFamI5X3Y2R3JqM3dudkptZUJwLVlSNkZ4VHdlYTBxZWp3LThDY2dVOGFId2c2Q0tuWV9sZTJhRERZRTU3SWlKYmNHZ3FQY3F3MHVadC1ReU9oa2M4SFpTR0VJMUZUVjdrUGRKUTNpMFlmRlUwLXV0NXNOdWEtX096UlhPTkFuVzlkTFlQ?oc=5) · kttc.com
- 2021-01-23 [Doreen Johnson Obituary Jan 23, 2021 - Worlein Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBqVzJhOF9ra1d6SWhSWkw0ano3YWJpTER5clNrWG5oT2xjYVktclhHZUdtUGpWejFCYWlKbDJwTXZ0TWRfc3ktZVNBNFBlUV9pSzVxNVJpVENyUVdzeWc?oc=5) · Worlein Funeral Home
- 2021-02-02 [Gene Oliver Obituary Feb 2, 2021 - Halligan-McCabe-DeVries Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE90ZVEtcWVDWDM4OHA2RUFUU1k1RW5Eb0Z6dUlNRk9nWTRvQzJCWnpzN0plaGh5anNHbURqeUFPbC1uVGF6MEFrTjRGc0JjTjZoeDViZ3Fra1EzbFlLRnV4SDRDRQ?oc=5) · Halligan-McCabe-DeVries Funeral Home
- 2025-05-27 [Texas man charged with stealing vehicle in Austin - kaaltv.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNVEhEenN1V21GZUZpeUJmamltcEd2OVZHTkNvQ0JrOENraG50RVlnWVdCcFRyTVlzaHNZV2h6MGpfcVJWZkpDLWFOd1B0VVpWbS1FOEg1cTVTQl9qa09PdzBwU2YtSXlmYm53T1J5cm1INlZBTkFHWV9VRTNWS0xZeVpUdlE?oc=5) · kaaltv.com
- 2018-05-29 [FINALIST: Mower County, MN - Reader's Digest](https://news.google.com/rss/articles/CBMigAFBVV95cUxNdGxsMWtkZHlWUS1rYnI0NGs0cll0ZkxkSTF6d0Zxc1cwX29hOWZKQkNtblpYMG1Lak1rNmZsRFcyQVlvV2R4c01ERmRySkk3aUVwczB2Qlp3VkF4MVRrdnMzR3ZXUFdUQTd4dWVrbFQxSU5ZeVdBQXhzTllrR2dPVw?oc=5) · Reader's Digest
- 2020-10-28 [Three charged with check forgery - Austin Daily Herald](https://news.google.com/rss/articles/CBMihAFBVV95cUxOYk1aVGhidjRPMzZaZDZnYjd2UVhTZEtPUTNvd1JqU2hzX09HdjFGcFlfaWZFRi1JZ1RKNTVEV2d2c1BObjg5ajU2T3JzVUZIekxRaVBCZDVyd095Sm5BM1l3bHpKUTNDZ05SS0dRd3pJLWdDZ3IxbE04NnpJSE1XNm5SNW4?oc=5) · Austin Daily Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60798 (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/62.json (key "60798", 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=60798
- 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