# LAKESHORE COMMUNITY
AVON LAKE, OH · NCUA charter 61428 · asset band <$50M · latest filing 2017-09 · stopped filing after 2017-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/lakeshore-community-61428

Who the members are: state charter, organized 1955. 2,705 members of 171,000 potential (1.6% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 21.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $26.0M |
| Members | 2,705 (-6.1% YoY) |
| Full-time staff | 6 |
| Net worth | $1.9M |
| Net worth ratio | 7.4% (p6 of band) |
| ROA (annualized) | -1.79% (p4 of band) |
| Total delinquency | 1.83% (p71 of band) |
| Net charge-offs (annualized) | 0.17% (p44 of band) |
| Loans / shares | 37% (p20 of band) |
| Cash / assets | 12.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.67% (p34 of band) |
| Operating expense / assets | 5.08% (p86 of band) |
| Vehicles % of loans | 28% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 2.16% (p81 of band) |
| Vehicle NCO | 0.11% (p54 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 8% |
| Average share balance | $5,790 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 21% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $15,803 |
| Loans granted, annualized | $3.7M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, delinquency 2x band |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | delinquency 2x band |
| 2016-12 | 3 | delinquency 2x band |  |
| 2017-03 | 5 | net worth falling, members leaving, loan book shrinking | delinquency 2x band |
| 2017-06 | 4 |  | net worth falling |
| 2017-09 | 6 | delinquency 2x band, assets shrinking |  |

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

- 2020-01-21 [Society of St. Vincent de Paul announces leadership restructuring - Catholic Diocese of Cleveland](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQSEJFSFFZQ0V3UDhmNVFKMXg1cVZ3T2lxYXQ2b0U4YlhBdWVKeVlxUmJ2REJOUGRtVFQzUnRQaEdXZmd4ejdfeFJyRXhDY2lMenFWcEVwTkhDRjRJT21YV01nUzFhVGl0dDVXb2k4VEhrYkVSVVFMd1ZScUt6MFpfUlgxUnNaV3hSSEJZVjlQaUJoNm56bzRqV2Fmb0YtRzJUOW9tSmhFN0FyZkxQeFRod1hZMTdiVjBJUlQ5c2xwU052dw?oc=5) · Catholic Diocese of Cleveland
- 2024-06-03 [Patricia Hellinger Obituary - Amherst, OH (1951-2018) - Morning Journal](https://news.google.com/rss/articles/CBMif0FVX3lxTE1oN29tNl9ONzZ0bzdRM0ZsOVRJQzdCQXNoUkNUYS1sTUI0UmFkZXZ0RWJpU2s4Nko4dDlRRlA0VG03Ynd0ZEtNYnJYa0hUZkppdzdxcm5yaW91UzJrQjNHbHNFWUM2bUtJMjZ2TXRqb1BaZ3A5dHFGYUtCUERUa2s?oc=5) · Morning Journal
- 2021-08-11 [Society of St. Vincent de Paul names Gary Sole as new CEO - Catholic Diocese of Cleveland](https://news.google.com/rss/articles/CBMitwFBVV95cUxOYkpLY3RmeDJQakJsU3puNEhsaGFmbFFoU2ZFSmNsT2V4S0tRS0Q1ZFRzaXlPaHI1Q1hNdlEtNGFsUXk1OHUxaXlSMElvVW1YRzl5Sk03dWNIeWxmU056dTQzeEFQZXBsRGh1QUpwMVZHaGtoRDd2WXBIV3BuWmtDOTY0S2NrdWt0YkVlNFJDdFdpSW8xZlpHcU1KNngxWUFSUjVmaVFaeXo3UUNMUFY1X2tQUm1LaHM?oc=5) · Catholic Diocese of Cleveland

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61428 (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/52.json (key "61428", 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=61428
- 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