# CITY
TUSCALOOSA, AL · NCUA charter 62062 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/city-62062

Who the members are: state charter, organized 1950. 1,583 members of 4,749 potential (33.3% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 71.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $20.5M |
| Members | 1,583 (-1.2% YoY) |
| Full-time staff | 5 |
| Net worth | $5.0M |
| Net worth ratio | 24.5% (p86 of band) |
| ROA (annualized) | 1.18% (p76 of band) |
| Total delinquency | 0.61% (p48 of band) |
| Net charge-offs (annualized) | 0.52% (p76 of band) |
| Loans / shares | 75% (p74 of band) |
| Cash / assets | 41.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.76% (p44 of band) |
| Operating expense / assets | 3.76% (p54 of band) |
| Vehicles % of loans | 80% (p83 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.75% (p59 of band) |
| Vehicle NCO | 0.31% (p76 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 81% |
| Certificates % of member funds | 15% |
| Average share balance | $5,557 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $10,200 |
| Loans granted, annualized | $3.8M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **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 | delinquency rising |  |
| 2017-09 | 3 | net worth falling |  |
| 2017-12 | 0 |  | members leaving, delinquency rising, net worth falling |
| 2018-03 | 2 | delinquency rising, members leaving |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 2 | auto monoline |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | delinquency rising |  |
| 2019-12 | 4 | assets shrinking |  |
| 2020-03 | 3 |  | assets shrinking |
| 2020-06 | 3 | net worth falling | delinquency rising |
| 2020-09 | 2 |  | members leaving |
| 2020-12 | 4 | margin squeeze, members leaving |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 5 | delinquency rising |  |
| 2021-09 | 4 |  | delinquency rising |
| 2021-12 | 4 |  |  |
| 2022-03 | 3 |  | margin squeeze |
| 2022-06 | 3 | repo signal | net worth falling |
| 2022-09 | 3 | delinquency rising | repo signal |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 2 |  | members leaving, assets shrinking |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 | leaning on borrowings | delinquency rising |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | assets shrinking |  |
| 2024-09 | 2 |  | leaning on borrowings |
| 2024-12 | 3 | delinquency rising |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 | members leaving | assets shrinking |
| 2025-12 | 1 |  | delinquency rising, members leaving |
| 2026-03 | 2 | delinquency rising |  |

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

- 2026-09-02 [The best credit unions near Houston - Chron](https://news.google.com/rss/articles/CBMiakFVX3lxTFByd3FwR2MyYUVxZW9EdktCYWRyR3lKWjlCRTBzcXlnSUN2NUYxYzNaTmZqMEdPWThnY3dHblpUTUw5STJKU05idWEyREpoOVJrSXg3MmRuay1MeUI2N3lJLVRvT21hbkpFdWc?oc=5) · Chron
- 2026-06-29 [20 Largest Credit Unions in America | Banking Advice | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMigAFBVV95cUxPTGo3NzJqcExQdW1NT240R08xaGVXT1pFZHBGS29RSG9UaUJQaWkxV3RrbEZheE5jWjRlUmp0am5oQ3V6SFh6U2lIQ2NvaWtKTnhsNko2TU0zYXRhWUFEb0ZBUWFJUkxYWlQ4eVBTWHFmNjZkbW1QOXg1VnBDbExpWA?oc=5) · U.S. News &amp; World Report
- 2026-05-26 [The Credit Union Impact Foundation announces 2026 grant recipients - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWU1lcXlRT19fLXU3QUM5d0hkWFVHTjFrZkwwZU8yTVdGay02cXUyeGx3MG9qUE8yQUgzSlg1bHAtMExCaDZjYmpQZGVpLWxBY0hfbGJtdklFdGxndUtOSXU4ZXhCdVRfZGdic0VyLVdKYlZGNUxQY2VEa2hQSlZSWVZPMzZaM1RDS05USDEzLUJNSUFicHREWXVTblhHaFE2enlLZzNWaG1hY2c?oc=5) · CUInsight
- 2026-05-26 [The City & State 2026 Forty Under 40 - City & State Pennsylvania](https://news.google.com/rss/articles/CBMikwFBVV95cUxNN0Q1dTVBWFZOdXpjZlNYaS1ieUNpOGMwN0ZuVExpRVZGZVI3LXY3N0JlNWFaLTdoUzRZU1JiakVFZzJvNXNybTRFTWs5cXpWd3hvTG9NYUE5TWFRVmt0cEp2dmxYeHNCQVhiQWF0NjU4YzlRNGJMNm9SVzQ2WS1pZ0dOVnJPV09XS1pxRzZhSkVnSVk?oc=5) · City &amp; State Pennsylvania
- 2026-04-30 [Dothan High School opens on-campus credit union branch for student training - WTVY](https://news.google.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?oc=5) · WTVY
- 2026-06-14 [Charles A. Browne Jr. - AL.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQVnVGZHh4MGNfajZwT2FvbW13cXZpZ3A4QmdYSk9KZVhkNXpULTY4V3BUb1pLS0ZIX09oZjMxdU1URVU5RmFBaUtqemFld0lySTlVSnAwUmktUnpfd3lGNUNyQVh6ZlktSFE0WWpiWFV3c3g3NFpjQUF4MVpkZVUyb1JJbWlZdkFWekIwUFFpQQ?oc=5) · AL.com
- 2026-07-31 [Brittany Knox Obituary Feb 23, 2022 - Legacy Chapel Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5qcGxOUEE3b09vUjd5akdCa040ajNralgtcFd3amZ2eXVrMTVBQy0wTnBMZEhKYjktSVRXem9qWVRqczJRdlZwSTJRY0M2VnA3UFk3SWNHYnlhcEw5UnZ2N3ZZamV6QQ?oc=5) · Legacy Chapel Funeral Home and Crematory
- 2026-05-13 [Redstone Federal Credit Union surprises 150 Huntsville families by paying grocery bills - rocketcitynow.com](https://news.google.com/rss/articles/CBMi_wFBVV95cUxPYzJ3VDJ4cGRRRWhCZmc0YnhKNUhpanZLWnN6OXlNd081NHc1aUhtbzVoSVI5SlZlaEN6TFo2alRIYThnVVZlYW1jV01ndUFTUENuZE0ybDNjZFRRcWJnbm5BSkFjVTJNcExCcEpGWVJDSUNHN2xiNHJmNWpmOVF4QTlWV0ZubGVuamJGVEt1dE9YYmtEMHM5QkVPUXBWckF4ajZoN2hGbHJUNXRkMHk4Z2s4WHlwLUMwbUUxQ1pPc292dEhqWnRHQzI3MDB2MUJFZ0NDSFZwUDA5OFJ2UHFJWEVramc3QmJTc1ZfMUdrd19vTWRwZ2NJaDZwVTB0TWs?oc=5) · rocketcitynow.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62062 (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/46.json (key "62062", 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=62062
- 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