# WCU CREDIT UNION
Decatur, AL · NCUA charter 61150 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/wcu-credit-union-61150

Who the members are: state charter, organized 1948, low-income designated. 3,359 members of 6,500 potential (51.7% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 23.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $35.2M |
| Members | 3,359 (-0.7% YoY) |
| Full-time staff | 14 |
| Net worth | $3.2M |
| Net worth ratio | 9.1% (p10 of band) |
| ROA (annualized) | 0.37% (p40 of band) |
| Total delinquency | 0.15% (p28 of band) |
| Net charge-offs (annualized) | 0.31% (p69 of band) |
| Loans / shares | 54% (p44 of band) |
| Cash / assets | 37.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.78% (p46 of band) |
| Operating expense / assets | 4.67% (p74 of band) |
| Vehicles % of loans | 71% (p66 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 31% (p93 of band) |
| Vehicle delinquency | 0.21% (p40 of band) |
| Vehicle NCO | 0.79% (p84 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 1% |
| Average share balance | $5,283 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $997,051 |
| Loans outstanding per 100 members | 23% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $21,756 |
| Loans granted, annualized | $5.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $997,051 outstanding purchased (31.4% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 1.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | delinquency rising, members leaving |  |
| 2017-06 | 2 |  | members leaving |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | losing money | delinquency rising |
| 2019-06 | 1 |  | losing money |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | losing money, delinquency rising |  |
| 2020-06 | 5 | thin capital, net worth falling |  |
| 2020-09 | 6 | margin squeeze |  |
| 2020-12 | 5 |  | delinquency rising |
| 2021-03 | 5 |  |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 5 |  |  |
| 2021-12 | 6 | delinquency rising, loan book shrinking | margin squeeze |
| 2022-03 | 7 | capital below 7% | loan book shrinking |
| 2022-06 | 5 |  | net worth falling, delinquency rising |
| 2022-09 | 6 | 3rd-party paper>100% NW |  |
| 2022-12 | 3 |  | losing money, capital below 7% |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 6 | delinquency rising, assets shrinking, members leaving |  |
| 2023-12 | 6 | delinquency 2x band | members leaving |
| 2024-03 | 6 |  |  |
| 2024-06 | 4 |  | 3rd-party paper>100% NW, assets shrinking |
| 2024-09 | 3 |  | delinquency 2x band |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 3 | delinquency 2x band |  |
| 2025-06 | 3 | assets shrinking | delinquency 2x band |
| 2025-09 | 2 |  | thin capital |
| 2025-12 | 1 |  | assets shrinking |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-05-26 [The Credit Union Impact Foundation announces 2026 grant recipients - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWU1lcXlRT19fLXU3QUM5d0hkWFVHTjFrZkwwZU8yTVdGay02cXUyeGx3MG9qUE8yQUgzSlg1bHAtMExCaDZjYmpQZGVpLWxBY0hfbGJtdklFdGxndUtOSXU4ZXhCdVRfZGdic0VyLVdKYlZGNUxQY2VEa2hQSlZSWVZPMzZaM1RDS05USDEzLUJNSUFicHREWXVTblhHaFE2enlLZzNWaG1hY2c?oc=5) · CUInsight
- 2026-09-05 [Championing a Catamount connection - The Mountaineer](https://news.google.com/rss/articles/CBMivwFBVV95cUxOMmZPcHEwSlI2Z2NOcTIyTUlheFN5ekY4cmdpNEFrcHVKcldmMzdEdmEtVkk0bTlaSFpYTzUyNFR5Z2t2TnFwM2lIWjA0aXo5V2VUQmdDdUp4X2otTklKRVVmQzI2U0VMeGRUdDhVUjdyVWdYdzZZNjZNbThxeUJxaFh1ZnZEeUs1eVZhdmpJRG1ZZHROTGhTbmUyeVdfMGJESGJJNHprWkNsdG9hME9hemp2MGdfZWJ4bGxzQW1vWQ?oc=5) · The Mountaineer
- 2022-11-16 [WestStar Names New President and CEO - cutoday.info](https://news.google.com/rss/articles/CBMifkFVX3lxTFBsZ0VRTm5aYXIzdGJoaWllTWY3aG9meEZmZ1p1NWNOOXVHZUtHbFc1UzE0SzRmZGp0UHQxZ1Vydy1KODZyRmIwWTZZcmlxazVVX0NmZVQ2Q3JzaDM0TkdxYXQ5Q29BS1lRUkptQ0dQT2VXdkRsUVQ1c2NKZHE5dw?oc=5) · cutoday.info

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61150 (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/30.json (key "61150", 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=61150
- 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