# SOCIAL SECURITY Birmingham, AL · NCUA charter 61391 · asset band <$50M · latest filing 2026-03 · live Share link (named URL with a preview card): https://getbookiq.com/cu/social-security-61391 Who the members are: state charter, organized 1947. 2,632 members of 7,125 potential (36.9% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 72. **Verdict on the desk:** this could be *auto monoline*. 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 | $36.6M | | Members | 2,632 (-4.2% YoY) | | Full-time staff | 5 | | Net worth | $8.3M | | Net worth ratio | 22.6% (p81 of band) | | ROA (annualized) | 1.50% (p85 of band) | | Total delinquency | 1.60% (p73 of band) | | Net charge-offs (annualized) | 1.00% (p86 of band) | | Loans / shares | 47% (p34 of band) | | Cash / assets | 38.7% | | Borrowings / assets | 0.00% | | Net interest margin | 4.19% (p63 of band) | | Operating expense / assets | 3.48% (p45 of band) | | Vehicles % of loans | 61% (p49 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% | | Third-party paper % of net worth | 13% (p91 of band) | | Vehicle delinquency | 1.11% (p67 of band) | | Vehicle NCO | 1.07% (p87 of band) | | Repossessed % of vehicle book | 0.61% (p97 of band) | | Real estate % of loans | 21% | | Credit cards % of loans | 7% | | Unsecured % of loans | 17% | | Commercial % of net worth | 0% | | Core shares % of member funds | 89% | | Certificates % of member funds | 4% | | Average share balance | $5,692 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | $1.6M | | Loans outstanding per 100 members | 72% | | Loans granted per 100 members, annualized | 25% | | Average loan balance | $6,909 | | Loans granted, annualized | $3.3M | ## Participation posture (from the same filings) Bought $0 and sold $0 in the latest annualized quarter; $1.6M outstanding purchased (19.4% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 0.7% year over year. ## Flags firing in the latest filing - **delinquency 2x band** (`aq_dq_high`) - **repo signal** (`aq_repo`) - **members leaving** (`shrink_members`) - **auto monoline** (`str_vehicle`) ## 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 | 1 | members leaving | | | 2017-06 | 2 | net worth falling | | | 2017-09 | 1 | | net worth falling | | 2017-12 | 2 | delinquency rising | | | 2018-03 | 0 | | members leaving, delinquency rising | | 2018-06 | 0 | | | | 2018-09 | 0 | | | | 2018-12 | 1 | delinquency 2x band | | | 2019-03 | 2 | net worth falling | | | 2019-06 | 1 | | delinquency 2x band | | 2019-09 | 0 | | net worth falling | | 2019-12 | 0 | | | | 2020-03 | 0 | | | | 2020-06 | 2 | net worth falling, delinquency 2x band | | | 2020-09 | 0 | | net worth falling, delinquency 2x band | | 2020-12 | 0 | | | | 2021-03 | 4 | net worth falling, margin squeeze, delinquency 2x band, loan book shrinking | | | 2021-06 | 2 | | delinquency 2x band, loan book shrinking | | 2021-09 | 1 | | net worth falling | | 2021-12 | 1 | | | | 2022-03 | 1 | members leaving | margin squeeze | | 2022-06 | 2 | loan book shrinking | | | 2022-09 | 1 | | loan book shrinking | | 2022-12 | 4 | delinquency 2x band, delinquency rising, assets shrinking | | | 2023-03 | 2 | | delinquency 2x band, assets shrinking | | 2023-06 | 3 | assets shrinking | | | 2023-09 | 2 | | assets shrinking | | 2023-12 | 1 | | delinquency rising | | 2024-03 | 2 | delinquency rising, assets shrinking | members leaving | | 2024-06 | 2 | members leaving | delinquency rising | | 2024-09 | 2 | | | | 2024-12 | 3 | delinquency 2x band, delinquency rising | assets shrinking | | 2025-03 | 4 | net worth falling | | | 2025-06 | 4 | charge-offs p90, repo signal | members leaving, net worth falling | | 2025-09 | 2 | | charge-offs p90, repo signal | | 2025-12 | 5 | repo signal, members leaving, auto monoline | | | 2026-03 | 4 | | delinquency rising | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-04-23 [Veteran loses access to Social Security funds amid credit union merger - WDBJ7](https://news.google.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?oc=5) · WDBJ7 - 2026-04-30 [Frontwave Credit Union Data Breach; Social Security Numbers Exposed - Claim Depot](https://news.google.com/rss/articles/CBMidEFVX3lxTE1Nc3N0cXM5dnZtSzlhQnN0T3NmM09ONTluLW1EaXlNa01hczRFc1pJYUZKX1BLS3o3cGo2QllIMThoMlF6U1lKTEdnVDh1TThmdlFlT2h3dDdyUUNDVGxSNTdtT3JJdWtnT0NTWWJTRkloZ1pY?oc=5) · Claim Depot - 2026-06-11 [Do you still get a Social Security check? 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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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide