# BRIDGE
Powell, OH · NCUA charter 62406 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bridge-62406

Who the members are: state charter, organized 1967, low-income designated. 18,709 members of 3,649,848 potential (0.5% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 76.

**Verdict on the desk:** this could be *ordinary*. 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 | $256.2M |
| Members | 18,709 (-2.8% YoY) |
| Full-time staff | 62 |
| Net worth | $25.9M |
| Net worth ratio | 10.1% (p31 of band) |
| ROA (annualized) | 0.29% (p21 of band) |
| Total delinquency | 0.75% (p63 of band) |
| Net charge-offs (annualized) | 0.78% (p82 of band) |
| Loans / shares | 73% (p47 of band) |
| Cash / assets | 24.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.41% (p91 of band) |
| Operating expense / assets | 5.09% (p94 of band) |
| Vehicles % of loans | 31% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 7% |
| Third-party paper % of net worth | 18% (p31 of band) |
| Vehicle delinquency | 0.57% (p50 of band) |
| Vehicle NCO | 0.63% (p51 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 69% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 27% |
| Average share balance | $5,880 |
| Participations bought / yr | $22.9M |
| Participations sold / yr | $1.8M |
| Participations outstanding | $35.4M |
| Loans outstanding per 100 members | 76% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $11,716 |
| Loans granted, annualized | $71.4M |

## Participation posture (from the same filings)

Bought $22.9M and sold $1.8M in the latest annualized quarter; $35.4M outstanding purchased (136.6% of net worth), $49,365 sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 8.9% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)

## 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 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | members leaving |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | members leaving |  |
| 2018-12 | 0 |  | members leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, members leaving |  |
| 2020-09 | 1 | margin squeeze | net worth falling, members leaving |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 0 |  | margin squeeze, net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | members leaving |  |
| 2022-03 | 2 | expense trap |  |
| 2022-06 | 2 | delinquency rising | members leaving |
| 2022-09 | 1 |  | expense trap |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | expense trap, charge-offs p90 |  |
| 2023-06 | 2 | net worth falling | expense trap, charge-offs p90 |
| 2023-09 | 2 | charge-offs p90 | net worth falling |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 1 | expense trap | charge-offs p90 |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | members leaving |  |
| 2025-06 | 3 | net worth falling |  |
| 2025-09 | 2 |  | net worth falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | net worth falling | members leaving |

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

- 2026-08-25 [Alicia Walker Obituary Aug 25, 2026 - Routsong Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5ORFhpZ001bkRXR0ZJZXgzS25oVTE4b3BuUnlCT3M0UEpwRFFBWnVyb09COWVhQVUyd0tuTDBEclNmR0U5V01WOWVhclh0ZDVQU0pBMlNrbW1Rb3hLV2c?oc=5) · Routsong Funeral Home & Cremation Services
- 2025-12-04 [Card program aims to keep dollars local in Yellow Springs - The Yellow Springs News](https://news.google.com/rss/articles/CBMikwFBVV95cUxPalRIaENlNVQtdWt4YU5BWnh1ZzJ5QlA0WndaWl83eXkxS05FYXVDN3NNZWJ1elVRQ216dm16cDBSbDdaYmpVdm1QWXJpQVlva0VvMzNOVjZSc3ZiRVAxdGZ6Q1g0LWVic3RaMjdZeFpnMGZVb2piRjU1QVVyQzV2Q1I0Sl91YmJiQXdpc0piOWlmMEU?oc=5) · The Yellow Springs News
- 2025-11-24 [Bridge CU celebrates grand reopening - registerherald.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNYWR4M2pyN190dVB0MjFCT0dPVHVaZksybm5jTGJZOXkzaDVlaWR1X3djVEpsUFhQN29TVm1ZTDRvUGxiZ3NOQlNrejhtVFFkenUzN1FyQ3lrby10TUlYMWRPaUc5WThmM0U2aVg0S2Jma1RwZDBZblhLV1loYTJqZDdDYTVHUQ?oc=5) · registerherald.com
- 2025-12-30 [Ohio Army vet uses art to bridge the civilian-military gap - WYSO Public Radio](https://news.google.com/rss/articles/CBMiggFBVV95cUxQOVF6V0VYdVBOYmhIMFduWVNIOHI3NnlDZ050S2d6N05rWFg0RE1xeE0zcHk2WnhMN0MzaWI0OVM0RDRfdWp0akhtdmxmS2hyb3pMeGhnRlZkWlljLWh3Q3BEeU10UW1hMG9yWVhrMUN1TThuNDBiOHNwUVBTaVFRWWpB?oc=5) · WYSO Public Radio
- 2025-12-30 [A Run With A View! 2026 Bridge Run Registration is Now Open - The Brunswick News](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOdUJTNm1pQXBWbGplNnBxT2hsNzNpNVVMZW9OTWxiaW5vREkzMjdxbjdEZVFsWkVKd3k5STlnSVZiY0NwSXI1cnFVdWR4T2NvWW1OVXoxRWhJcTJDUHFJZVNhZkROSmotV1B2N3hrLTZFcTVxa0N2SDlib3JzWmh6WXN4b1RqbXQ1Q2htR2JnZXptS240bThLbnVJTUhSelhjblVpZGltZ0lRaDJFOXlYZnBWemM1Z0FTQnpvU0hqYmd4UXMxQmRTRHl0eFV6ak5Pb2hyZnUxV3Z6UQ?oc=5) · The Brunswick News
- 2023-08-04 [Top of the List: Fastest-growing Central Ohio credit unions - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNbVZFanVUUU12bnlES0lrMGNfQmI4dWN3UkQyczZFS1lVOGIwZkJTbGpYR2FIYWNNOXhWSVRUS3M0TFgwc2FyTzN2cS12VnZYNW1ncHVfM1N3U2twWUt5WjJuNy1QcG54SGVUdzhTLVh1UkY1RHY5M0R0UXVTc3ZZM0w3UTFqZTNmS1BSQUlQcTlwTlQtbXFZTUh3SS13eVZpd1JYdlFB?oc=5) · The Business Journals
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2023-12-24 [YS Federal Credit Union members approve merger - The Yellow Springs News](https://news.google.com/rss/articles/CBMihAFBVV95cUxQMFBhRkptWFdyOHF0TXFRT3Zoc3ZOTTZzbmY0ZVlSdXIxQ21XOEpTLXJ0d2N0emxvcXNuSHcxbWREWFFyVlhidlFKaENrYjQtcDNMQllNVkRUMGpIMUVRZDFqZ0FJVVpSV1ZadmlxSFdheE01ajd6YXlsNW9mNUpMVnZ2cTA?oc=5) · The Yellow Springs News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62406 (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/6.json (key "62406", 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=62406
- 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