# GOLDEN CIRCLE
Massillon, OH · NCUA charter 61239 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/golden-circle-61239

Who the members are: state charter, organized 1940. 6,783 members of 372,657 potential (1.8% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $106.5M |
| Members | 6,783 (-7.0% YoY) |
| Full-time staff | 28 |
| Net worth | $14.7M |
| Net worth ratio | 13.8% (p75 of band) |
| ROA (annualized) | -1.14% (p2 of band) |
| Total delinquency | 1.03% (p74 of band) |
| Net charge-offs (annualized) | 0.54% (p70 of band) |
| Loans / shares | 54% (p21 of band) |
| Cash / assets | 24.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.92% (p12 of band) |
| Operating expense / assets | 4.69% (p81 of band) |
| Vehicles % of loans | 32% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 73% |
| Third-party paper % of net worth | 79% (p65 of band) |
| Vehicle delinquency | 0.40% (p37 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 82% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 6% |
| Average share balance | $8,455 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $25.8M |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $10,364 |
| Loans granted, annualized | $6.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $25.8M outstanding purchased (175.0% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares -2.6% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 2 | auto monoline |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 | members leaving | net worth falling |
| 2017-09 | 4 | delinquency rising |  |
| 2017-12 | 4 | assets shrinking | delinquency rising |
| 2018-03 | 4 |  |  |
| 2018-06 | 3 |  | assets shrinking |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | delinquency 2x band |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 5 | net worth falling |  |
| 2019-09 | 4 | loan book shrinking | auto monoline, net worth falling |
| 2019-12 | 3 |  | delinquency 2x band |
| 2020-03 | 7 | net worth falling, losing money, margin squeeze, delinquency 2x band |  |
| 2020-06 | 6 |  | margin squeeze |
| 2020-09 | 4 |  | loan book shrinking, net worth falling |
| 2020-12 | 6 | delinquency rising, charge-offs p90 |  |
| 2021-03 | 3 | net worth falling | losing money, delinquency 2x band, delinquency rising, charge-offs p90 |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | net worth falling, losing money |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 3 |  | net worth falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | net worth falling, delinquency 2x band, delinquency rising | members leaving, losing money |
| 2023-06 | 2 |  | net worth falling, delinquency rising |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 1 |  | delinquency 2x band, delinquency rising |
| 2024-03 | 3 | assets shrinking, members leaving |  |
| 2024-06 | 2 |  | 3rd-party paper>100% NW |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | assets shrinking |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 3 | 3rd-party paper>100% NW |  |
| 2026-03 | 4 | losing money, margin squeeze | 3rd-party paper>100% NW |

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

- 2020-11-22 [Gary Lee Price Obituary Nov 22, 2020 - Paquelet and Paquelet & Arnold-Lynch Funeral Homes](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1zUUh4QWoyMzNBc1FNVkcwTlRfUnVSYlhYTmtESmI5empyV25DeGpqbE95SWRqWXcyNkY0dVNENWg5RnUzZjZVNlEyVDUzdDBEanlTZGFxbzJvVHpKZ0Vz?oc=5) · Paquelet and Paquelet & Arnold-Lynch Funeral Homes
- 2019-05-06 [Dorothy M. (Fehn) Weaver Obituary May 6, 2019 - Sanders Funeral Homes](https://news.google.com/rss/articles/CBMibkFVX3lxTE1QRFdvTXR5OW50NkFnejVMdUNNSk5qNnN6MzdGT1FGMFZRcU1pV2UxWU1oeWVjUVFfQW9fQ3dkUUI2aWM4X3JLMFM4X242Ul91b2JaTUVYMlVabXU3Tm1rUGRtRzFVVVZPak54V09n?oc=5) · Sanders Funeral Homes
- 2013-12-31 [Richard E. Packa - AL.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNVy1xbGtFaGI1cXVZQXNjQ1Q5R3VvMkdfYTBUOGxyZDF0XzNnMDc2b0JuNGQxZGJkcV9XVTZ1c0U4ek5pLU9IMnRabzkyaGhCZklrVjJUQ2t4WTkyOEtrdVAwQ2dieHZUVlZsdG1KMmNCZWdsMFBRMmVmMW9IMWRUU2ZTZi1JVDBLWExabWFn?oc=5) · AL.com
- 2026-07-25 [Gary Edward Yant Obituary - Canton Repository](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1EeFR2bElvemNac3poaDBnYmlxX0tMQl9jTUNwRXRaTTJVODlpUjhQa281YXZzYmE0cDdMaXpSR3JfTzVMODNPcFRKdkIwSzR0ZDM3LTI0NmdLR1do?oc=5) · Canton Repository
- 2007-04-11 [Rachel Beadnell Obituary Apr 11, 2007 - Cassaday Turkle Christian Funeral & Cremation Service](https://news.google.com/rss/articles/CBMic0FVX3lxTE1fMkRJM1JlaTJpSW14UjNwM0JIb0ZfbldhZGd1S3JtWTJwMEJuTWdraVB4MGQtdlpxLTRXdm9FbWR0Y2VKT1dfMldYUkVYSS1CRl9oazg0UVB6V1lGRnkyY196NzlRLXVzT0VMclJEZGxtcjg?oc=5) · Cassaday Turkle Christian Funeral & Cremation Service
- 2019-05-08 [Dorothy Weaver Obituary (1930 - 2019) - Massillon, OH - The Repository - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQY0stc2VZYkFPMWNzZ0loRXNyM2dfWGNGbVRMakpGeTBfUkNEVk95LVNGZzZsZVE4ZHRhMTktal9MOW5Qa3dmZjZFeU9qNENoeDd3UWNPY1F4ZnY2OTNIaU5sdURGTUhQZWxKcFJITDBjTEs1V0lLdzZCRzEtNkU5ZnVGYm5Wcy0yd2E0QVR1Qm0?oc=5) · legacy.com
- 2015-09-06 [Business Roundup: Golden Lodge works to expand community involvement - Canton Repository](https://news.google.com/rss/articles/CBMiogFBVV95cUxNbEhldGh4NE16WHNBWkFCeC1ZX2NYQzJYNmVld1J4ZnVzU19BNWFDRGZ1MUNBQ3VpUWR2dFh1QVFMM2RLMG8xVzFCNFdFWHNlM24xMkFGejY5blZwcXNRNVRnWWN1bHlWYzB6dmdyTkxBSTdrQ3VLczFPWE5ENWFVM3RYekRqOE0xaEdfTTNrQkVFdFlkTXE5RGFaejItS0c1bkE?oc=5) · Canton Repository
- 2010-06-27 [Francis X. and Frances A. Biedenbach 50th anniversary - Canton Repository](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPQlpYYm1QRnNndDJQMm44eXlfMWdFVmhPSVFPM3VmZklCbEs5bTZjd0lySmxJUFI3YzBtN2RmNXBsMGpFSTBkVjJwRTN5ejBFSTdRb3prNUhKUmhuX0tBMjBBRlFpUVVkbndySzhQN2tpVkFsdFc0QzVGcnBfZHZjOXJuSUdrbnQwWFphQUg1aHRYTms0V19hSUtfTU9RekNJTktueWt5LWZOX2Q5Q2daYlMtWk0xYmxXdVY1VVFQdTVwZw?oc=5) · Canton Repository

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61239 (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/55.json (key "61239", 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=61239
- 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