# BEREA
Berea, KY · NCUA charter 62389 · asset band <$50M · latest filing 2016-09 · stopped filing after 2016-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/berea-62389

Who the members are: state charter, organized 1923. 429 members of 1,300 potential (33.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 40.

**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 | $1.2M |
| Members | 429 (– YoY) |
| Full-time staff | 1 |
| Net worth | $140,778 |
| Net worth ratio | 11.4% (p41 of band) |
| ROA (annualized) | 0.08% (p36 of band) |
| Total delinquency | 0.00% (p5 of band) |
| Net charge-offs (annualized) | 2.74% (p96 of band) |
| Loans / shares | 65% (p65 of band) |
| Cash / assets | 41.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.06% (p93 of band) |
| Operating expense / assets | 5.16% (p87 of band) |
| Vehicles % of loans | 62% (p65 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 2.52% (p96 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 38% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,545 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 27% |
| Average loan balance | $4,173 |
| Loans granted, annualized | $524,185 |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 3 | losing money, charge-offs p90 | delinquency 2x band |
| 2016-09 | 2 |  | losing money |

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

- 2026-04-22 [Eliza S. Anderson Obituary (2026) - Richmond, KY - Lakes Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOSVpMZ2UtZk5FYWJOR2ZDQVdlZG11djV6ZWF1cldXV01GNVdxdDhCRmM0dVFidFA0TEFhV2ViZmFabjhXSW5hcV9YM3h2cDE2M1BMVXAtV1NCcUdUeEVnblJRM2lYOWVNdEd4eE1ISE1Vc096UUVTLTgxYTdBa0ZtcFYxWQ?oc=5) · legacy.com
- 2024-08-15 [Commonwealth Credit Union gift bringing simulation lab to Baptist Health Richmond - The Lane Report](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOV2huUDlsMFNNelBWYVAwQzRDM3p1RUxDWjBmM2VlNS0yTFRRYkxXZy1aU0N4R0FUVXFEdXk0QjB1SUhtS2cwaV9ZTDVfU0hFdU9KRGFPcHpnTE90NFVGUVRuQVhLMjVsdGQxam16emo1ZFNrSUdmLWU2RDRQU2J2NXVuMXkta0ZYZnVfR0pzdUJhTDE4bENRTjVRemJTYkJIbm5keGs2ZWR6ZkpRUlJuMEc0OERQb1NSVTdNLXlXWnlDQQ?oc=5) · The Lane Report
- 2025-11-01 [Beverly Jean Brunner Skaggs - The Owensboro Times](https://news.google.com/rss/articles/CBMigwFBVV95cUxOdmtqX1NLeWo0UTBJVkg3T3dlWkFDQzJ3Vm9rZmRhdjFjdVdpMzk3aml2YjlKalRkTW5zMTVUREE5dGk0bTgyYmRsT0w2SmtYTVRWcDVSU1JLNUU1U19SNEhWb3Z5eERPQlM2RUdGYlhudkJ3UE5RVTRJLUJUb19NSU5RNA?oc=5) · The Owensboro Times
- 2018-08-20 [Bellarmine announces partnership with Park Community Credit Union - Bellarmine University Athletics](https://news.google.com/rss/articles/CBMixAFBVV95cUxPcy1DQ1I3M2NxMzloa0l3UkszSkFTdWdpUW5xZFRFZ1REZWtkVHpxN3loSkxNdHJ5WnF5X1lFRUU5dEpvcC1rLVVMRUZiRnNycjZJQTNDVzVzMnN5V1JYLXF5SnJId0ExVlhqMG1fSkJycV91X0Y4WVVJODQ0WVBNWlJQR2UwRFNlalRwNXRpUl9OTHpKWVV3UzhZd1NxMGZROGwwVlNOb1R5TmtZTjFTUTdUYjVnNFVBZ2lReVVoTFpENVRJ?oc=5) · Bellarmine University Athletics
- 2024-03-15 [2024 Best Places to Work in Kentucky Announced - kychamberbottomline.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNV3JOa19JWk1qR3ZudmRSNlllRGp1TjA4Q1BmY0c2M2F2OVRLLWMtaUpQUVBWdWJtVmZ3akRTblBBYm1tSTJBNlh6a0prQzhvM0tKcjZ1Zm9jM2hnSHZsbnVvU3M5NkM5WGx0MUdxdzdJMjQwQUZhY25IamlLMDVtV09VaWl1b2J2d19COUNtUjc5VjJE0gGaAUFVX3lxTE9OZnRndkVfVnlVcFZNMnNxLVF2S20yalY1UVJxdk9HZ3htWWFLSGw0ZkxlRkVZV1ExcjlkTTc0TVI2SXpWWVUzdnpDSk9mbVFNeXc5SV9qdmRuYm9lU2w5amI3djRPVGpRamY2Z3lkOUlsMW95eno2TXp0aUtnSmV6MXdvYUpBNmFhMER2ZzJrZFo0Mk9JMFVHWXc?oc=5) · kychamberbottomline.com
- 2026-06-27 [Vinson Alan Watts, Sr. Obituary Mar 17, 2008 - Northcutt & Son Home for Funerals, Inc.](https://news.google.com/rss/articles/CBMiakFVX3lxTE14dmZzeHhVbTlab0p4VzR5ZEtZRkJXVi1jSXRXWWRxMXU3TlRPalp1NkVxWHNhRlBiaGN1YUZwdkM3VHQ4emdhUXZWeHZBcEpvUGxRMDRjUFV6Q2kydkU3UkF6RThuYTFoX2c?oc=5) · Northcutt &amp; Son Home for Funerals, Inc.
- 2021-08-09 [INNOVATIVE PARTNERSHIP: ‘Cars to Work’ partnership removes transportation barrier for employment - The Business Journals](https://news.google.com/rss/articles/CBMihwFBVV95cUxPWmZVUVZKczdqVjNlZWlZczRNcXU4eXhlbFJ1cXMybk9YcnRiRHdKVHJ4RnUtYUlKeW1wMFZPTVlNaEdCTEtlSE5qM2F2U21SdnlpeVRGUmJqTFNYX19MYzRsbV9jVlAyYUtrSHVpc3BmdC1nYWltd1VYRHZsWXJjTWJLNWVZRHM?oc=5) · The Business Journals
- 2020-02-20 [Good News: Muhammad Ali Center and SEEK Museum added to U.S. Civil Rights Trail - The Courier-Journal](https://news.google.com/rss/articles/CBMixwFBVV95cUxPX0N2WDJhcFozUGpUVUZtd05Pd1Rqd0JESGU5NjBiT2J5NDNXQ3lkcTFEVVZPWW96ZVNnSF96RzczTmZ1bTA1NkMwVGdseWRmWUhVU3hDcUZXT3BRWE1uNGlaX3R6SGJmQUc3c3l5MGhuZUpBbnVEbzRWaHVfa2lVcXYweW1naHY2X04wZEM2bnFNNDctNUgzSGhsOWVOaHl4VGFVaTFGdXl1a050LWFsbFhBZ2NKZUtpMHI5a1VmMkxzeXBaS3l3?oc=5) · The Courier-Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62389 (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/53.json (key "62389", 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=62389
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide