# CLEVELAND POLICE
CLEVELAND, OH · NCUA charter 62588 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cleveland-police-62588

Who the members are: state charter, organized 1938. 4,797 members of 11,000 potential (43.6% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $42.7M |
| Members | 4,797 (2.0% YoY) |
| Full-time staff | 10 |
| Net worth | $5.5M |
| Net worth ratio | 12.9% (p37 of band) |
| ROA (annualized) | 0.85% (p63 of band) |
| Total delinquency | 1.76% (p75 of band) |
| Net charge-offs (annualized) | 0.61% (p78 of band) |
| Loans / shares | 49% (p37 of band) |
| Cash / assets | 13.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.51% (p74 of band) |
| Operating expense / assets | 4.70% (p74 of band) |
| Vehicles % of loans | 49% (p34 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.24% (p69 of band) |
| Vehicle NCO | 0.15% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 89% |
| Certificates % of member funds | 2% |
| Average share balance | $5,089 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $10,830 |
| Loans granted, annualized | $4.0M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 3 | thin capital, charge-offs p90 |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 1 |  | thin capital, charge-offs p90 |
| 2017-03 | 3 | thin capital, losing money |  |
| 2017-06 | 0 |  | delinquency 2x band, thin capital, losing money |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | members leaving |  |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 0 |  | members leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 2 | delinquency 2x band |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | delinquency 2x band |
| 2020-06 | 1 | net worth falling | delinquency rising |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 5 | thin capital, losing money, delinquency 2x band |  |
| 2021-06 | 2 |  | net worth falling, losing money, delinquency 2x band |
| 2021-09 | 2 |  |  |
| 2021-12 | 4 | net worth falling, losing money |  |
| 2022-03 | 3 |  | margin squeeze |
| 2022-06 | 4 | delinquency rising |  |
| 2022-09 | 3 | delinquency 2x band | net worth falling, losing money |
| 2022-12 | 2 |  | delinquency 2x band |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 | assets shrinking | thin capital, delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2024-06 | 1 |  | delinquency 2x band, delinquency rising |
| 2024-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2024-12 | 2 |  | assets shrinking |
| 2025-03 | 0 |  | delinquency 2x band, delinquency rising |
| 2025-06 | 2 | delinquency 2x band, delinquency rising |  |
| 2025-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2025-12 | 1 | assets shrinking |  |
| 2026-03 | 2 | delinquency 2x band, delinquency rising | assets shrinking |

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

- 2024-06-13 [Cleveland Browns LEGENDS Clinics Coming to Local Schools - The Cleveland Police Foundation](https://news.google.com/rss/articles/CBMihwFBVV95cUxQMjZnMTJwUEdQc3NhWnlGTnFJbTRMU21OTEhZUlo2MUszWjhqT0RSRTBDX1VUeEQ4Xy1POWl1VjVaV3lLOHpydVhhb3NiSFF2Qk53MXQ2dVM4ckRtWUw4NXVfZjg1TUFUaXgzVVBPVE82VE81YldSNXY5d05vSUhVdlhyMXk1OEE?oc=5) · The Cleveland Police Foundation
- 2021-11-23 [Michael J. Howard - Cleveland.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOWHZUXzI2QTVTbjRMaFQ0SmtEcThHNlhoN2VQR1ZxZDkwUVN5OW16cXBKRXpRbDIwVy1VYkJ1SWN0cHNPUkFTOFo2NU9EWldXTnBtVWp6NnRvRC1CcWg0cUltSUFrNzBCY1lvdDc1c0hndThJVnA1OTN5WkVtaE12dE9fSU5jajlRNHRqaWhlcUh0M1dwSDZj?oc=5) · Cleveland.com
- 2017-09-19 [Bank robbery suspects arrested after police chase in Cleveland - Cleveland 19 News](https://news.google.com/rss/articles/CBMingFBVV95cUxPUlRjZXVwYU9kbTFmZl9LRGhwT25nTlVnN3JBRDRvalRaQmRSNWpBd0s2QXRwWVpyaXgxTUozLVVudTNxbXZqUEV3bHI2ZlNVdG9MN0hUTmxBRVF0ZGVpWmZTVHBhVlE2NkQwMkhoWnMxLXFzSlZHVW9UMFlJamN6WGNIQndQSzZicG9CQlZWM1ZVQkNjWVVaUkhXV28xUdIBsAFBVV95cUxPZ2NPMVZaN3ZLOVhXQ0RuOEtZOUphUzZpS29yX3RYWnJoU05mVmZkV2JEdXUzMGZWRk85REZ2R2xYZDZLaS1IX09WaFRETUVLeFdmeTJaQzIydl9qNjRNa2xnYWlsQlVfV1Q0cVhpRlpxRXRjWHYtUjVLSFpxS0hNWkdWZTlaUlN0dHo5emFiendYMi1tOVlaTDdJdmszOGl4ODN0OWx4Mk5VZXdmX241ZQ?oc=5) · Cleveland 19 News
- 2004-11-15 [On the Job: Marilyn Mannarino - Crain's Cleveland](https://news.google.com/rss/articles/CBMilwFBVV95cUxOUVZuaDhQQll1cEZTajhrX3VOU1B0a19iN3Vaejh0cFV0UzNwNVNjZk9OOTZLdEpwd0RQSWQ3cHFBNng3ZXBFeVo3M08tRXVVT19wMUtrT1Y1MkRJZ0g1T2lVY0hCaVE0cGo2Y2k0UlpMUWE2WTBnVUdvMWhzcTUtcDhKM3hrb3pmam5iOFp0ZEM2TG0zRW1j?oc=5) · Crain's Cleveland
- 2025-10-01 [FBI searches for suspected Hudson bank robber - Cleveland 19 News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPUlVOdV9pUkFEaTUzNnNoR0ZjWTRadFpMRl9HN05wQ1hFVC02SzlZOVY2UEFUSDNQLTUtU3FpSUdQVE5vYm52RmF5YW4zSjdjcTBpMmk3MzlTaWtaaWNaMVBsam1WQURBdzI0TE5sd0M0OUpHQ2hjdmdRV19MRDhWVWIwT1N1bExn?oc=5) · Cleveland 19 News
- 2025-10-14 [Fredrick Harvey - Cleveland.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPSi1fa3hBXzhna1g5dGRnclN3d1dpcnNLb0RVNGpMT0d5bWxjV3ljbXE0anhGNnVDUExJZ0N2V2RBbkljUVA3RG5SYm1ObTNHQjU2Wl90cklhN1hRb0VsNlFoQ1V6WkFIZjlVNWYxV1psakhPX3M1UE40NnJ3dXNEVlBBS1gzc2N0aWJyYWhjMHl5dWpackpNRQ?oc=5) · Cleveland.com
- 2021-10-07 [Jason D. West - Cleveland.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOQllweE45OFFzM2pKbWRQejAwQThqU250bFJBOXpfX19hVy1aZGF4b254NE9vX29nZEdraFZZemd5ZEN6V1k3LWREa3E3enpiY2tWV0tjTHZRSG9JTTZ2d0JMMk1MTEw4WndTd3ZnVWZoNFhTX0ROdzBDMndTeDJ2aUpnYmFtdUl2eWVsZ1c1R0JhQQ?oc=5) · Cleveland.com
- 2012-09-05 [Berea man headed to prison for hit and run accident involving Michigan Officer - Cleveland 19 News](https://news.google.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?oc=5) · Cleveland 19 News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62588 (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/60.json (key "62588", 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=62588
- 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