# PILLAR
MARION, OH · NCUA charter 61324 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pillar-61324

Who the members are: state charter, organized 1960. 10,068 members of 401,889 potential (2.5% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *auto monoline*. 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 | $128.0M |
| Members | 10,068 (2.2% YoY) |
| Full-time staff | 29 |
| Net worth | $13.6M |
| Net worth ratio | 10.6% (p35 of band) |
| ROA (annualized) | 0.90% (p63 of band) |
| Total delinquency | 0.89% (p69 of band) |
| Net charge-offs (annualized) | 0.41% (p59 of band) |
| Loans / shares | 65% (p41 of band) |
| Cash / assets | 18.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.56% (p43 of band) |
| Operating expense / assets | 3.36% (p40 of band) |
| Vehicles % of loans | 80% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 87% |
| Third-party paper % of net worth | 389% (p98 of band) |
| Vehicle delinquency | 1.11% (p76 of band) |
| Vehicle NCO | 0.72% (p62 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 8% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 49% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 35% |
| Average share balance | $6,202 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $5.8M |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $20,835 |
| Loans granted, annualized | $39.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $5.8M outstanding purchased (42.7% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 7.3% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 | net worth falling | losing money |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | delinquency rising |  |
| 2019-03 | 2 |  | delinquency rising |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | delinquency rising |
| 2020-03 | 3 | delinquency rising |  |
| 2020-06 | 4 | net worth falling, margin squeeze | delinquency rising |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | net worth falling | margin squeeze |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 3 | delinquency rising |  |
| 2021-12 | 2 |  | delinquency rising |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | net worth falling |  |
| 2025-06 | 2 |  | delinquency rising, net worth falling |
| 2025-09 | 3 | delinquency rising |  |
| 2025-12 | 2 |  | delinquency rising |
| 2026-03 | 3 | net worth falling |  |

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

- 2026-08-07 [Pillar Credit Union brings new banking location to Mansfield - Crawford County Now](https://news.google.com/rss/articles/CBMingFBVV95cUxOZjhYQkxwMWpYMkZPd2NoOXM3NEl0MVd6cGZoVWs5TVpkcHFvWVZpNzdmSTNjYlhqczFXRmRrc1JOOWc4WHZwUDFWWWtDblZOQzViVTlXS0VRWW1ubEQ0RERrejI0NFJiTmRBbFBpMW5TRWstNDNjMUw3R3hzUnZCbjdXYVhWaU5SNS1fdk0zdTNMdW1uTk1iT3RTVElLZw?oc=5) · Crawford County Now
- 2026-05-03 [Marion's Pillar Credit Union expands reach with planned merger - The Marion Star](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPUkl6NHlxcEFPNTlGTHhCdFNXcGRYa3NIZ2N3eXE5bXMtNlczUmNweVJmdlJTTGlxM1dBeUxoQTNBUjg2OHA5M05WaFpJcEpjaW1YNEJkaE9WeVJjLTMySy1UV0tWLUwtVFE2OUs4WkJuV3hLVlRleWNDRHBtS1d1TndxdnhOWkNXWV9RcGQ0eGFKUmF3QUI2YWJULWgzSVpRa2pySW16SEJ6OXhnZnBhQTZDQ3RWWE8xa09DSUxKQUxTSndUQjNDSHFTcERDZzVCWkVyZzJ1bTFGSlptbGVZOEVXVE1DRkpy?oc=5) · The Marion Star
- 2026-07-10 [Marion Open returns July 30th, and Pillar Credit Union is bringing it home - marioncountynow.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxPZHBWcFZZM2JRTHl6RTNuME5rUkNITnV2dkl2SkI5QXB3QzF4VjVvQUd2M1p5Mkx3enVkUUlLSWtJbkxoWFY4QmlpNDQ0U0tDWlpRTmJEWUlsY1NfdDlaUnNUbnhyNF9YMG9lVXhFS3BIbzVGeFBHekI1N0VPY3JUV2lGVnRxTW1Rekw0LXdldUxVSEpuWDVCbElVVVBlbmM0Y2VNV3Z0Zk1wWjRoVy16U3ZxVk8?oc=5) · marioncountynow.com
- 2026-01-28 [CMNH's Buckeye Chuck Gears Up for Groundhog's Day - Cleveland Museum of Natural History](https://news.google.com/rss/articles/CBMixAFBVV95cUxPeEtGSWVRUWw2WElPbk9MeEZWS2U4ODQ4UzR3OEFCTFlxdFNDQWxHcFpOX2czUTQwNHNkU1BHVUhNYmsyRno5VUdmTjJicEx3cWpiU3NLUGdDMmZTaWNHVWxMZkVtNk44YjhSU2g3WTlLelFfb2pVQWJEYlJYV0l2cmVRNWE5TUtmODVDOUk1N09OWnB3TmFuNUhXbUNranB6NUFPam55RFFhcV90SWI3bXdtYWZuTnJfTHQ3SHBGcDI2eVZh?oc=5) · Cleveland Museum of Natural History
- 2026-03-20 [Financial experts urge regular credit report reviews to safeguard financial health in 2026 - Crawford County Now](https://news.google.com/rss/articles/CBMixgFBVV95cUxOZlczNDR2QUhzcFFMb0h0b0RJVHBiaThkRHBhN3I2bml6WjZuN2d2S09XWXp3QkllUkpoZzExbndwUXVJZUFKWW12ZVpjcFhPWXI1SFItV3EzUUZYY2RxRjhxQ1l5ZF85Y2ZKMnYtcHV4OWxjd0FlZTBySmxTc2RkeVVhRl92SGlod0ttNkNiQlFLYWdYd3dDQTNoOVN4NmQycUN5ZU5fYWpkVEUzdUNNNGVsdHhPTWJqeFEtOUx3MFhvTV9lQmc?oc=5) · Crawford County Now
- 2026-04-23 [Boomer & Senior Expo 2026 set for May 22 in Marion - marioncountynow.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPaHBTN3ZuMXVUZWVGNXc5UElGZl91SnMxSWdsNEI4bk56UUozWWtGQlQ3S1JpY1dzQ3V1LVpIaFBPRmRrZGQzLVh0NzRHWG45RVpHeFViNV9tRTBNT1dkMXEtV1JkcjdYYXRJOVA1T2k5VzNQNVFlbHVDZC1jRWN3MUF2bERIdXZ4dGlPS0JadFRTNzQ?oc=5) · marioncountynow.com
- 2026-05-10 [Ohio State Marion campus festival closes Five Nights on Campus - The Marion Star](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPZWRzRGMyQkdLY3FVckU0MnYwWjZ5R2d4cEt5Y3BuM0daUnBsNDZwall4bU96c1ZOTG52bGlxOXp6M1FrcEF0M1dWZUVMdFdCYTVJbE9pV3oyZGljcFVsOWp6eVpsVFplNzhVZnp4NXJ6aVF4MTBlT1ZYVmpyN3FjQllTVUZmVEtYRWpyNHlEUHdhT1VfbGJEV3N6X051ZVY5Z3ozbDZra01qal9LQ002S1JIN0llMlZMdUdzX1VuX1lKekt6SGFkd3hFZUEycU5ZRmRqS21jRXdLMGJSazB1MEZmSmVDRVFqYVJJbA?oc=5) · The Marion Star
- 2026-02-03 [Mayor Bill Collins appoints Vidya Iyengar as new City Auditor of Marion - marioncountynow.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNbjJuOGRILVctQ0tDVVdZejEyclozSzVfYTRwSnEzR2U1UldoT3lmYlZ6VFhnTVJ2M2E2LVVCZ3dOc0xrRXFjMG9mdm9IcklqT1FnZFFkRUg3S1JNaWZqM3pmbU1WVlJkNGVYeE1MR3FfRlpVeWJNd09nUkwtVnRRU1RYdExSNU5udF9EVnZpQ0VHS1JPZW8tM1d2Q0NqWFlOSDI5dkxodVNYcDB3TERaNVlR?oc=5) · marioncountynow.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61324 (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/12.json (key "61324", 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=61324
- 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