# SEVEN SEVENTEEN
Warren, OH · NCUA charter 61077 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/seven-seventeen-61077

Who the members are: state charter, organized 1957, low-income designated. 126,154 members of 1,602,209 potential (7.9% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 67.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.03B |
| Members | 126,154 (5.8% YoY) |
| Full-time staff | 324 |
| Net worth | $255.6M |
| Net worth ratio | 12.6% (p77 of band) |
| ROA (annualized) | 0.68% (p47 of band) |
| Total delinquency | 1.00% (p79 of band) |
| Net charge-offs (annualized) | 0.52% (p52 of band) |
| Loans / shares | 98% (p85 of band) |
| Cash / assets | 7.4% |
| Borrowings / assets | 1.95% |
| Net interest margin | 3.83% (p83 of band) |
| Operating expense / assets | 3.27% (p54 of band) |
| Vehicles % of loans | 38% (p74 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 81% |
| Third-party paper % of net worth | 242% (p74 of band) |
| Vehicle delinquency | 1.33% (p87 of band) |
| Vehicle NCO | 1.28% (p65 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 80% |
| Core shares % of member funds | 39% |
| Certificates % of member funds | 27% |
| Average share balance | $7,689 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $79.4M |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $19,901 |
| Loans granted, annualized | $547.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $79.4M outstanding purchased (31.1% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 13.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | loans>95% of shares, 3rd-party paper>100% NW |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | expense trap |  |
| 2018-09 | 2 |  | expense trap |
| 2018-12 | 3 | expense trap |  |
| 2019-03 | 2 |  | expense trap |
| 2019-06 | 3 | expense trap |  |
| 2019-09 | 2 |  | expense trap |
| 2019-12 | 3 | net worth falling |  |
| 2020-03 | 4 | expense trap |  |
| 2020-06 | 3 | margin squeeze | loans>95% of shares, expense trap |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 3 | expense trap |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 4 | delinquency rising, loans>95% of shares |  |
| 2022-12 | 5 | net worth falling, leaning on borrowings | expense trap |
| 2023-03 | 4 |  | delinquency rising |
| 2023-06 | 4 | delinquency rising | net worth falling |
| 2023-09 | 3 |  | delinquency rising |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 5 | net worth falling |  |
| 2024-06 | 3 |  | leaning on borrowings, net worth falling |
| 2024-09 | 3 | members leaving | delinquency rising |
| 2024-12 | 3 | net worth falling | members leaving |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 | members leaving | net worth falling |
| 2025-09 | 2 |  | members leaving |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2026-05-12 [Michael D. Ames Obituary (2026) - Warren, OH - Staton-Borowski Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxOekpKTEpucDZlZXhxWThIRVRGdU5mQi1HUEtCZUVpLXpVZFJTZjFYQnUtd01SZWFfTkdIY2d1eUY2WG5KNWVzbGt3MW1BWUFiSElqNUtsVVdiUVZVcnNCNHpERmhTeENTVDRlZW0tZG04dXQxRklJVXVfNjlFNFZ1YQ?oc=5) · Legacy obituary
- 2026-03-22 [Codey M. Garaux Obituary May 22, 2024 - Rossi Funeral Home | Canton, OH](https://news.google.com/rss/articles/CBMia0FVX3lxTFBpcHI5cUNsaEdzRUJjVzNlZHhkTnhDRWxRd1kxaUZLWWhhUXpwQmlqYmpvYnVKSWFOc3J0YUFPRF83UWJHTWE1SjNlNVoxZXQyYUJ2RUtVSGthX0FmQlRCeVp6aG1xX3E5Yzg4?oc=5) · Rossi Funeral Home | Canton, OH
- 2025-11-27 [Mario Frazzini Obituary Sep 7, 2018 - Kinnick Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE55d3ZBOGFRMzZjb3VoZFRtdjk0Y1lTXzZmc3R0c3pzOERNVm51djN1azZOdEhWbmpNVHRFeXJyVnltY2RTd0R5TUdKMEFyMW1CZGNFdFk5cUtHdFI5RlZ2Um0yWVVtQ28yVUNScA?oc=5) · Kinnick Funeral Home
- 2025-12-02 [Carroll County Common Pleas Court cases for week of Nov. 29 - Your Ohio News](https://news.google.com/rss/articles/CBMirgFBVV95cUxNNDNTOUhnNGR5OVJ0RVJnd2RpbjhJRHRkaTI3OF9pZWtHZlJBS2dYYjVOVGV6TmNhZ3VJXzRTVS1YNFNnRXlqdVAwX2FHZEVmbmZYQmdhWm43dGozZS1NbkFHMENDMWJkR2VLazUxeEcxTUVUYmx5NDlQSnJ0anZXZTNjakpqOURjdXRtQnhjTXVRNTNOTXphSDNBOER5SEliSzl0WU54Z3lJTjh4NHc?oc=5) · Your Ohio News
- 2026-05-12 [Michael D. Ames Obituary (1979 - 2026) - Warren, OH - Mahoning Matters - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxNUjJHYzFCTVNRdXZvemMyaFZtNlBocGRrZmx3aDN0YnpQc194Y1hud2NjbktEVDl1bU1KczdxUHhId01tZ05MVkhCU1hEbThZV241UjZBLW1pYm02aGJGNmRqZ0w5X0JkTFFuQS1SbkZMaUlUMTc5V0VGWUlUWTJIZTJwclhoN0dPZG9xQWhnM3piZHp1ZXc?oc=5) · Legacy obituary
- 2019-10-02 [UPDATED: Liam Neeson film scenes shot in Portage County - Record-Courier](https://news.google.com/rss/articles/CBMinAFBVV95cUxNZnBFZ200LWgwanRlWVBrZUtyWEZlR1p5UVNEci1pdUNaMjhNOTB0aXhrRDlzcGNhMVJpQlVYdHZrZFBrU3NhbU54Y2VYUWNaV1V1QTNZak9rOTNSVHFSZ0RmOVltd1VCMHFDbGlsaHRXa3NIREFSbHlndHpfZUlrNlBqMGdiU1Bpc2FQc0hvT19pQ3ZYVTFmQlBMcUU?oc=5) · Record-Courier
- 2016-11-17 [Cheryl L. D’Amore - - Tribune Chronicle](https://news.google.com/rss/articles/CBMibkFVX3lxTE50Uk4wYktGWGNmaWhrcnMzS29xZmkyU3Zjci04TUFWSjc5VEo1cXRhdkhicndidm1XckFwVE5zTFBlQ1p3V0tZQVc1R1ZySExXU0ZkOVFXaWtuY1psN2RsSldkWFB4YmZjMlRZVWFn?oc=5) · Tribune Chronicle
- 2025-09-18 [Carroll County Common Pleas Court cases for week of Sept. 14 - Your Ohio News](https://news.google.com/rss/articles/CBMirwFBVV95cUxOLXZIOC1ZejRPeXd3aTZLbWFLU2FxYUl5b2JROURURG1fVS1reGROc0U2TnM4N29Kc2R5c2RTSmtNN1RISmhuT25fQ2ZVbUFyR3JLcVRUc0szaFVnRm1tUnB2Z2dGU01nUmthOE1TNUd3MFBQUUFqd293dy1obXo0ejdEOHFRbVZJa293YWoyd2RiVnJNN0ZvdEdVcXZyal9vVjZsamthOWxVZGhVMEtz?oc=5) · Your Ohio News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61077 (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/21.json (key "61077", 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=61077
- 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