# CHACO
Hamilton, OH · NCUA charter 60954 · asset band $100-200M · latest filing 2016-09 · stopped filing after 2016-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/chaco-60954

Who the members are: state charter, organized 1938. 26,500 members of 1,000,000 potential (2.6% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $187.0M |
| Members | 26,500 (– YoY) |
| Full-time staff | 58 |
| Net worth | $11.9M |
| Net worth ratio | 6.3% (p1 of band) |
| ROA (annualized) | -1.98% (p0 of band) |
| Total delinquency | 0.79% (p57 of band) |
| Net charge-offs (annualized) | 0.14% (p20 of band) |
| Loans / shares | 92% (p91 of band) |
| Cash / assets | 3.8% |
| Borrowings / assets | 1.60% |
| Net interest margin | 3.19% (p65 of band) |
| Operating expense / assets | 4.59% (p85 of band) |
| Vehicles % of loans | 51% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 73% |
| Third-party paper % of net worth | 487% (p98 of band) |
| Vehicle delinquency | 0.27% (p29 of band) |
| Vehicle NCO | 0.00% (p3 of band) |
| Repossessed % of vehicle book | 0.00% (p29 of band) |
| Real estate % of loans | 41% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 26% |
| Average share balance | $4,736 |
| Participations bought / yr | $397,160 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $13,202 |
| Loans granted, annualized | $52.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 5 | capital below 7%, losing money |  |

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

- 2016-10-03 [Telhio adds 25000+ members in merger with Ohio credit union - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQOHhfMjFpLWkyZlZndzY2MXZLamVXM0FabEtNeVFqTzg5OW94dzNPX1NubmRhUHNhQ0xkZTY0anRSem9jLU1zRGNWQW5PbmU5cHVDSTdXcDNpZ2VHVmQ2c1pOVmlqd0RtSmh1S29lY1p2YzJNTUpzWDBGa3EzNy1OQ3dqdmlWQlVJbUpPQ0Jjd21sN2djSHN0ZDJOWmZ2Y3VkNmlJb1NoRQ?oc=5) · The Business Journals
- 2025-06-16 [Jennifer M. Lakes Obituary Oct 1, 2021 - browndawsonflick.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE5MQXdScDM4MUVQWXlucENKdDdTMVdNbUY3LUxPWDRZaVJTUG1UeURBTmdGdTFzb05iNm9vWWY0WjZyMC13UnlwbTkwRFZid3JMaWsySEhHemZHSks2VDlwX2xYTHB2OHQ3bGc?oc=5) · browndawsonflick.com
- 2021-07-12 [One of Ohio's largest credit unions taps Dayton for its next market expansion - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxQMDdVekJKNXZIdUFMZnBVNTlIRnRNVU1objAySjQ0aEkxekNyVnk3OC14eFBxSlZ0ejE3bnVYSW5oV0pITkthTU00Y1pUcnA0bk5sTWV6em5JOXlBTi1QUFBCS2Q4aHRLdEhLM24zVE1xeURwdTlablFkaDZSQ0EtbGZXR3lpRkFzbWR6NUhidlNSc2F6Mm41Qi03Yw?oc=5) · The Business Journals
- 2018-03-01 [Fund Established for Injured Ohio Firefighter - firehouse.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPXzJfWEljRHNvc21GVlN5RWdYV2dmS0M4OS1oMkpnR3JUYkN2RUNnWUJab0NzZGxucEFVSVRnSFVMSEpBN1ZtbWJHVXdnY1pmWS1NeGsxbW5iV0V5YTNOU2xDazVWNjJIdXRFS1NFUVI2LUNFOTNUNnFPcUlQaDlsdF9fc1J2aU1nd3N1eXFWLWpZeDg1?oc=5) · firehouse.com
- 2015-09-22 [Robert Barrett Obituary - Hamilton, OH - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxNU3lvX1gyYm11Q2xNY1RfcXJFLTUzX19ZeE4xRkpUQlpxYjZNMGFOc2tSelJVUjg0dmNac1hkRm5DM2FoV0tiYUo3Y3Utb1UyZDZ2eWpXcldtRnZ5ckI5cEdqSkV4cnRhTHRIYVVuX2pqVE9Tb2J0QkZZaXJpdi04Tm5wZw?oc=5) · Dignity Memorial
- 2004-08-12 [Donald Jones Obituary (2004) - Butler County, OH - Journal-News - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNZGhZRi1ueDdKaG1WdnRHYldDdk1iS0dIZUlaclcxN3lvVUhuT0Q5WDJnbVowWHhsNFZPaDFYQ1FwQ3VwcG45N29DRmhEa1dvZ0JSaDRvTG1uQW5YV29GUmhOcWxzQ2hYcllFaV9KM2J5UTcwcVpySmdqNlNscktRVzdJS2ZpMXdkeG94aw?oc=5) · legacy.com
- 2025-06-24 [Barbara E. Burns Obituary May 22, 2009 - browndawsonflick.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1zRGUxU3lZamN1X21NWW1vcnJmeDg3eDBCRmlqWEZjaWdTMDl0RUtlbHhYV0c3YVJ5dTZUZ2NhM01aWG85X21DdksyT1YxcXZxblk0QTBfcHBiVnN6NTdNR2d4dXV5NmxI?oc=5) · browndawsonflick.com
- 2021-10-08 [Brandon HEATHERLY Obituary (2014) - Fairfield, OH - Journal-News - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOSWZhb2l6Uld5RWdYRVEzTk1hYVVRa1hmTW5pcWNlcHhaZjZ3RFdFdTlmejlCMzZmd2lITWtaUVpvb0NKVlRsM2IzR0R5TDNvOW4yRFVQQ0M2SGV3dWViTHlhWUdRbWJWRklkUng5WlFpNzJLaUhtdEI2NzZYcTZPQlhTbGdOOXJXMDVDOEtHUVZKWk0?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60954 (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/26.json (key "60954", 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=60954
- 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