# GEAUGA
burton, OH · NCUA charter 61220 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/geauga-61220

Who the members are: state charter, organized 1956, low-income designated. 7,030 members of 556,407 potential (1.3% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *ordinary*. 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 | $107.6M |
| Members | 7,030 (4.2% YoY) |
| Full-time staff | 11 |
| Net worth | $10.8M |
| Net worth ratio | 10.0% (p27 of band) |
| ROA (annualized) | 2.01% (p96 of band) |
| Total delinquency | 4.49% (p100 of band) |
| Net charge-offs (annualized) | -0.09% (p1 of band) |
| Loans / shares | 77% (p64 of band) |
| Cash / assets | 28.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.23% (p25 of band) |
| Operating expense / assets | 1.32% (p2 of band) |
| Vehicles % of loans | 5% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 31% |
| Third-party paper % of net worth | 11% (p42 of band) |
| Vehicle delinquency | 1.29% (p80 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 80% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 73% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 20% |
| Average share balance | $8,682 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $29,912 |
| Loans granted, annualized | $13.5M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | delinquency 2x band |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency 2x band |  |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 2 | delinquency rising | net worth falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | net worth falling |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | margin squeeze |  |
| 2020-09 | 5 | thin capital |  |
| 2020-12 | 2 |  | delinquency rising, net worth falling, thin capital |
| 2021-03 | 3 | thin capital |  |
| 2021-06 | 4 | net worth falling |  |
| 2021-09 | 2 |  | margin squeeze, net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | thin capital |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 3 | loans>95% of shares |  |
| 2023-12 | 3 | delinquency rising | assets shrinking |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 | net worth falling, margin squeeze | loans>95% of shares, delinquency rising |
| 2024-09 | 2 |  | delinquency 2x band |
| 2024-12 | 3 | delinquency 2x band |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 4 | delinquency rising |  |
| 2025-09 | 3 |  | margin squeeze |
| 2025-12 | 1 |  | net worth falling, delinquency rising |
| 2026-03 | 2 | delinquency rising |  |

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

- 2026-03-25 [7 17, Geauga Credit Unions to Merge, Serving 130K Members - Geauga County Maple Leaf](https://news.google.com/rss/articles/CBMimAFBVV95cUxQOUNsazhqUklmbXpyYmR1SWRRVkRwbTg2UGpka1FIUDUxNlc2cEZFX1VROVpxakxkN2dtYXBUR3JRdk1zTEJKSFVvMWFhT2tNV2FoNGlCTXJ2dWJuYnlhczNyUFk5ZlpLV0xRU3B3WXRxWXpmbG9MSjNmMmdOZkFNOVprZVhIUUJwT1d4bXF4bG0xbkxIUF9keg?oc=5) · Geauga County Maple Leaf
- 2026-04-02 [717 Celebrates Merger with Geauga Credit Union - Business Journal Daily](https://news.google.com/rss/articles/CBMihwFBVV95cUxNb3NhLTNxNGhKdm05SE9ROFZsbEtwd0UyLVRqbFphM2UtUlFwNURJUXR0dzVxdkpkM2QtdGdfUHRKaWZNTDJNTi1ORktILVY1UWtGdHFyNEJBX3Flbkk4aFIwT09fOTU2Ml94OGNHQjRLZ2paNDhpR1lsRTFNQ3FWeUJxeTZnWjg?oc=5) · Business Journal Daily
- 2026-02-12 [NE Ohio's largest credit union grows even more with its biggest merger yet - Crain's Cleveland](https://news.google.com/rss/articles/CBMitgFBVV95cUxQdEhvaUFvOEl1WWNLLVBBeGxwbDQxaWVhS0ZiWmpUa3dTZnBzTEJ2b213YWxPNnhLWnlPT1E5SERmNkR5ZGlvU0ZiX2cyNUhwdkdJRk1vd01oWFVROVQxaGZ3OENUeWhKN0R2TEYtRko2UDhLQkItVm5XeUF6am5WOEN0aEhNYWI2UzlKbV9NZ3Q4N1VVWm5Ia0hjdm1GZ3VGbl92NjNud2xiWUJCUEpoN1laZzVwdw?oc=5) · Crain's Cleveland
- 2026-02-12 [7 17 Credit Union announces merger with Geauga Credit Union - WKBN.com](https://news.google.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?oc=5) · WKBN.com
- 2026-02-13 [717 Merges With Geauga Credit Union; Cleveland Fed Panel Discusses Reshoring - Business Journal Daily](https://news.google.com/rss/articles/CBMirgFBVV95cUxQY0tGZEhCRzVIeE5icHRCOVBPQlVNSEdFZUdDZWlFNzczREdIcXhLTlE0VVo5enZtZW01bjROb19tMjU3M21ZZ3laQ0ozSmFhcGc2OFJvOTN3U1pBTVI0aUxDMGhXSDM0dWN5Y3FSX05nanR3OFhPZFk0R25vaVlWbEl3dGh5TE9xUGh1U2NGT3JDZ2hucWZnWFFzV3IyV05ZQVE3a0VmcWpvclZ1SWc?oc=5) · Business Journal Daily
- 2026-02-12 [717 Credit Union Expanding Reach with Merger - Business Journal Daily](https://news.google.com/rss/articles/CBMihAFBVV95cUxOVU8tWXE0SXpycGwtLXBiMGVDVkdseTZPSzZXdE92X3JGT2UxMHV0Z1hiV2RlX3dHZGVFRDB6WThVaTMtZ0lBcWw5YW5QWXZOb2ZrWU0tWS04dkZ5dTFXbm9BRXRSX1VCRmxzdUZmaFNCaGswbEVwTVNKNUlFRU10OTFfNl8?oc=5) · Business Journal Daily
- 2026-07-13 [Former Stow mattress store will become 7 17 Credit Union branch - Akron Beacon Journal](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNN2xYUDQ4eklrQXJGYTdteDN1OFN0eXlIR2FCS2xDN1J0R045SndxY25WaDlHbG1HOVRFeTJDZHN3UUlQWmJfa1FmS1YtNXZhZXM3ZXpNbXpqU2VhRmFUZFlsdFpHRlRGeGZkYlFkRDZZVHpnaHJwZ3VGVnF5THc1N0lMRk9SSmNFbFcyMjFUQ29wY3lFUHdkTVdiVTVRVEdnQ18xcUVmY1BDeHdPWS1sVGJCTlpIVXF3WUdFblZWU3VLTUhMcjBaTmVmdlJVU2U0NTVZUVhnSHU3THhIX3c?oc=5) · Akron Beacon Journal
- 2024-01-17 [Google Wallet now supports 44 more banks — here's the new additions - Android Police](https://news.google.com/rss/articles/CBMijgFBVV95cUxNc2tTNzBQQjlWRmhZQnBFTFdzVlVWWDBwcUc0TkhyNWl4T1dfM0hLU3oxNDZPdlhqWV9mWmEyd3VRWVA0enVPaWk0SGFwSm9QM2E2X2M5ckpOblU2cF9lQkNZbzl6alFweWE0M25fYVZQdVBqV3BtNzIzRDJYNjhZTWw1QkZBUHI5VDBlbmVB?oc=5) · Android Police

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61220 (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/36.json (key "61220", 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=61220
- 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