# FORT MCCLELLAN
Anniston, AL · NCUA charter 61800 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fort-mcclellan-61800

Who the members are: state charter, organized 1953, low-income designated. 15,331 members of 36,886 potential (41.6% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 116.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $224.7M |
| Members | 15,331 (-0.7% YoY) |
| Full-time staff | 66 |
| Net worth | $28.5M |
| Net worth ratio | 12.7% (p69 of band) |
| ROA (annualized) | 0.30% (p21 of band) |
| Total delinquency | 1.09% (p83 of band) |
| Net charge-offs (annualized) | 0.76% (p80 of band) |
| Loans / shares | 47% (p5 of band) |
| Cash / assets | 16.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.13% (p23 of band) |
| Operating expense / assets | 3.45% (p40 of band) |
| Vehicles % of loans | 45% (p71 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 32% |
| Third-party paper % of net worth | 54% (p41 of band) |
| Vehicle delinquency | 0.76% (p63 of band) |
| Vehicle NCO | 0.99% (p69 of band) |
| Repossessed % of vehicle book | 0.16% (p82 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 26% |
| Average share balance | $6,992 |
| Participations bought / yr | $2.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $1.8M |
| Loans outstanding per 100 members | 116% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $5,384 |
| Loans granted, annualized | $32.0M |

## Participation posture (from the same filings)

Bought $2.9M and sold $0 in the latest annualized quarter; $1.8M outstanding purchased (6.3% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares -1.3% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | repo signal, 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  | repo signal |
| 2016-09 | 2 | repo signal |  |
| 2016-12 | 2 | net worth falling | repo signal |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 | repo signal | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | repo signal |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | repo signal |  |
| 2019-03 | 5 | losing money, delinquency 2x band, assets shrinking |  |
| 2019-06 | 4 | net worth falling | repo signal, delinquency 2x band |
| 2019-09 | 3 |  | net worth falling |
| 2019-12 | 4 | loan book shrinking |  |
| 2020-03 | 4 | members leaving | losing money |
| 2020-06 | 4 | net worth falling, losing money | 3rd-party paper>100% NW, assets shrinking |
| 2020-09 | 4 |  |  |
| 2020-12 | 5 | margin squeeze |  |
| 2021-03 | 4 |  | margin squeeze |
| 2021-06 | 3 |  | loan book shrinking |
| 2021-09 | 5 | delinquency 2x band, delinquency rising |  |
| 2021-12 | 3 | charge-offs p90 | net worth falling, delinquency 2x band, delinquency rising |
| 2022-03 | 3 | delinquency rising | charge-offs p90 |
| 2022-06 | 1 | assets shrinking | members leaving, losing money, delinquency rising |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | assets shrinking |
| 2023-03 | 2 | net worth falling, losing money |  |
| 2023-06 | 3 | members leaving, leaning on borrowings | net worth falling |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 5 | assets shrinking |  |
| 2024-06 | 4 |  | assets shrinking |
| 2024-09 | 2 |  | members leaving, leaning on borrowings |
| 2024-12 | 3 | assets shrinking |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 | net worth falling | delinquency rising |
| 2025-09 | 3 | delinquency rising | net worth falling |
| 2025-12 | 1 |  | assets shrinking, delinquency rising |
| 2026-03 | 1 | net worth falling | losing money |

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

- 2026-05-26 [The Credit Union Impact Foundation announces 2026 grant recipients - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWU1lcXlRT19fLXU3QUM5d0hkWFVHTjFrZkwwZU8yTVdGay02cXUyeGx3MG9qUE8yQUgzSlg1bHAtMExCaDZjYmpQZGVpLWxBY0hfbGJtdklFdGxndUtOSXU4ZXhCdVRfZGdic0VyLVdKYlZGNUxQY2VEa2hQSlZSWVZPMzZaM1RDS05USDEzLUJNSUFicHREWXVTblhHaFE2enlLZzNWaG1hY2c?oc=5) · CUInsight
- 2026-08-31 [Credit Unions Press Congressional Priorities During August Recess - cutoday.info](https://news.google.com/rss/articles/CBMipAFBVV95cUxOeXZEemZkSmxad0pRa2NmUm5lLTdkcHNzX2ttdmxuS0tSa0R6YU9VQXpJd29BU2EtRDNhVl9fNjZ2elRUMXlMMkJ3YUdqcjZtNVpHVG5qSUZPWU1LVEJxTzB3RXJGMVQ1Y2lzdTRzb0VQbjVxNXNEZWt1cXI5WS1iamVRcjBKQU9WRTV4N1BPV3FaUXdJcWZjbHVmSlFySkp0SzN2Zw?oc=5) · cutoday.info
- 2015-06-06 [Fort McClellan Credit Union Pro-Invitational: Sapp Takes Control at Cane Creek - The Anniston Star](https://news.google.com/rss/articles/CBMi9gFBVV95cUxOelBGYV9HcUttUHMyZXFSVWRlZThtRi1tcFVPaHQ5Vi1ZZWRIOFVIS1VLZjFKSjZPbUpuSUdqYkZNcTlEd3VpeVlDVjlDZ1dRd19JeTA4QUEtTGNCRmdEdWM3eWU5Q0I1T05td0t0VDBYdVdiSHNYcURUbFNMMnRPbkdaRTlfWTF4MGdKT0R5WVVaTXR2WURlRDBCZ2hZTS0tTjIxZjZJVmkyQ2pULW1sbU9KQ0ljNmVwemFGb2s0S3l5RHM2UzJmc3FEY3FOVEwtc0U2aVFLVXNVdm9QZy1ZMDBiMUNYbkk2MExlWEw2N2laR3N5RkE?oc=5) · The Anniston Star
- 2017-03-25 [Twana Cotton Obituary - Anniston, AL - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxNdmg4cjN2ZzYwbWdOaTlaaC1wejA3cHp0dnRicjRYVXhTZWpQQ2g2TnBqQmFfdTBMWklRaGdWOUNHWFhoTE9JSnNxUEI4bUt0Qk1OM3B0RWNGQlZPam5RYkZpVmlnSXlBX0g5RzdiS3ZhQzBVQnkyX3BmUU5wRUdZNA?oc=5) · Dignity Memorial
- 2024-03-13 [All students safe after Pell City school bus driver experiences medical emergency - WVTM](https://news.google.com/rss/articles/CBMioAFBVV95cUxPRjZNS2NTVS1Id0REMUZZT1dscFFqeEFZS0dtOXpJNFdON2c1eERpa196ZFZmdjU3RzFlVTdaOVQ5Zm5PRnJFZEZFbl9EbEdKMlQ3Z0tnTzhUbGtkR1I2SVI2Q0E4eDloS19HY0VyNUdkUThhUmY3UWxNNDk5S3hnX01jYktnSm9zM1NLc0E5eE5xLWl1NmY2cmxWa0ZfUl83?oc=5) · WVTM
- 2016-03-15 [Anniston bank robbery suspect captured inside house after standoff - AL.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQeWRvdU5wSWVLTHFsTEFtSGJKQXM5ekFBV3ZydkMxRlcwMWZQTTZnVUlONkE0dFZ3VWQ3aWExSUdTbEgzUnQ2UGowejVuY0JkYTFfSllMR1BPaFBZZEFaRVFmQ1E2N283M2VDU2ZlYVRyTHdXLUtjQmJoaXRuZldBeHJEM0xHVEJtSG53?oc=5) · AL.com
- 2026-03-17 [The League announces 12 emerging professional network LEADs - CUInsight](https://news.google.com/rss/articles/CBMiogFBVV95cUxOX1JyV0p4d2E4T0dZaEFSRnplQmZnOFN2WTRsR0VDSEF3MWJiUUtoajU1V3V3ZlZ2V3JKc0hJTlRGODlLdUJwVWV6RHRMbVNvQkthWEJtWU5Ba3lBVW9hU0k4UXF6ejk3SzNEQzd3cVNGZ3NNU2lpRXJsSDRMQ0VHS2tJb0k3c01uTUF0bmdyX24xSUp5T0N4ZElwQUJHQlVWZEE?oc=5) · CUInsight
- 2025-05-21 [Google Wallet adds a whopping 36 new banks and credit unions in the US - androidpolice.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUHlHWEtUM09hRnNKOFF5U2JBQzdqN2ZvYXN4N0JXS1lXM09mVjMwTFhRU3AyYVNNR1M0Nm5QWWdjSXExbWd1ekZud1B1bVdTQVpaTGhBb01sZEVoMnhERmN6cTl2YlJzVlJaX3BPNXpJNk5hRm5HN094TGJReUZ6M3Q1ek5PU01F?oc=5) · androidpolice.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61800 (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/40.json (key "61800", 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=61800
- 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