# HEALTH
Birmingham, AL · NCUA charter 62664 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/health-62664

Who the members are: state charter, organized 1955. 2,105 members of 10,000 potential (21.1% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 102.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $27.4M |
| Members | 2,105 (1.3% YoY) |
| Full-time staff | 5 |
| Net worth | $6.1M |
| Net worth ratio | 22.4% (p81 of band) |
| ROA (annualized) | 0.13% (p29 of band) |
| Total delinquency | 2.28% (p81 of band) |
| Net charge-offs (annualized) | 2.43% (p95 of band) |
| Loans / shares | 92% (p92 of band) |
| Cash / assets | 27.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.99% (p86 of band) |
| Operating expense / assets | 3.90% (p58 of band) |
| Vehicles % of loans | 66% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 16% |
| Third-party paper % of net worth | 38% (p94 of band) |
| Vehicle delinquency | 1.19% (p68 of band) |
| Vehicle NCO | 2.66% (p95 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 19% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 35% |
| Average share balance | $5,507 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $57,765 |
| Loans outstanding per 100 members | 102% |
| Loans granted per 100 members, annualized | 45% |
| Average loan balance | $9,000 |
| Loans granted, annualized | $7.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $57,765 outstanding purchased (0.9% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -5.4% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | assets shrinking |  |
| 2017-09 | 1 |  | assets shrinking |
| 2017-12 | 2 | charge-offs p90 |  |
| 2018-03 | 3 | losing money, delinquency rising | charge-offs p90 |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 2 | assets shrinking | losing money |
| 2018-12 | 1 |  | assets shrinking |
| 2019-03 | 2 | assets shrinking |  |
| 2019-06 | 2 | net worth falling, charge-offs p90 | delinquency 2x band, assets shrinking |
| 2019-09 | 1 |  | charge-offs p90 |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | delinquency rising |  |
| 2020-12 | 1 |  | delinquency rising |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 3 | delinquency 2x band, delinquency rising | charge-offs p90 |
| 2021-09 | 1 |  | delinquency 2x band, delinquency rising |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 1 | charge-offs p90 | delinquency rising |
| 2023-09 | 2 | delinquency 2x band, delinquency rising | charge-offs p90 |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 4 | net worth falling, charge-offs p90 |  |
| 2024-09 | 4 | auto monoline | net worth falling |
| 2024-12 | 3 |  | delinquency rising |
| 2025-03 | 3 |  |  |
| 2025-06 | 6 | net worth falling, losing money, delinquency rising |  |
| 2025-09 | 4 |  | net worth falling, delinquency rising |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 | assets shrinking | losing money |

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

- 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
- 2026-09-06 [Rural health grants bring millions in new funding across Alabama - Gulf Coast Media](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPQlZrdHlCQnlhZF9yUEpVTGdZcUM2ckpwcUxFcWp1eWV4VWc5Wm1iRkpuZkd5QjVYN1BVaXllQWRsR1k3bWRRSUl0NnllU3Y1clFvT2V6RDVqel9YY2I5c3ZBeG03OHd2cFphWnhsZzB0eGV6VnNVZGZFYVAwZkg0VEtvM0lWSndIc3hNQUF5S3F6SlBJd01lemdDWkM1T3FTNzkyc184S1NIdw?oc=5) · Gulf Coast Media
- 2026-07-23 [Credit Unions Raise Over $1.65M To Support Children's Health - PR Newswire](https://news.google.com/rss/articles/CBMitAFBVV95cUxPNnJtNkdraW90RWFEeElhdzdBdlRSb1plaHZmNnVKWmx6VWFJYTZ6bnNGWXlVQlZocHlpbEViS19xNFFmbTA5Mlp3c3lsaE8ybF9SVU01dGxNc1BZWUdVTmVjUWp0X3E3N3lEU2hMTXVLUlVoUkg1WVVUbDNoSkd0Zy1mZndvYjdQUnhFeFkteWZjWnVkZFhKd1pHdTJ4T2ZIU3hPcV9KM2I4VDhsX3BjdFJ2UUI?oc=5) · PR Newswire
- 2026-03-11 [Health Advantage Credit Union wins national award for online banking experience - MLive.com](https://news.google.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?oc=5) · MLive.com
- 2026-03-02 [Credit union buys building for over $13M - The Business Journals](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQWktGV1Bmc19iNnk2SnBLTWZSM1A4RUpWdmo0LUhWVm5yZWtBbG91a2RueEtCNHNQNFNDUWNtQlVnMW1UNWVfNzRjUjRCbVVmVVh1cFFSVllBVnZvMGxITHZZczVZTGNFaTdOb0RyZTFXWnNoRG1DQnpnSTZZOE0xNThZejdUUlZGM3Bj?oc=5) · The Business Journals
- 2026-04-13 [Pay & Benefits: Setting Target’s Team Members Up for Success, at Work and Beyond - corporate.target.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPMklSRkhuWXd5alZKMnUwckNpbWtNZkVWY2lFRnBLLUV6NE81aS1TVzdzdFRXNnc2eVU1anBCRnNzZnJSR1BEV01lclprWVdseE0yVy02NUY4RXdReDVpNWxQNmhjd1BHZklYUEplSDVsalBnWDR3UFNFVVlidmF4SllQSQ?oc=5) · corporate.target.com
- 2026-03-15 [James Ledbetter Obituary - Tuscaloosa, AL - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOdS1kSFFoVXV0dHFMb2htc1AzcnBRNXhBZjFJT0ctaU1KTUJmNVlHQ2dFOUFFc0kzbDNHUkpiWEQ2SHNNaU5EZ0k4SVczQjhmbnV5T09vTEpuczJHMUpDYzM2YmJtcWhwbU11Tmdpdld1S3dBZTV2LXozWHhiemFka05iMmRCNFQ4?oc=5) · Dignity Memorial
- 2025-10-25 [7th Annual Purple Purse Luncheon empowers women in West Alabama - WBMA](https://news.google.com/rss/articles/CBMimgFBVV95cUxNeVRnY2J4TTNQeFljMUFQZ0FnbThjQjN1SXFlQ01mTHc1d1BSZmRySUU0eWltZUVrU1BKcDQxdjlvWVo4NGE3RU1HaGkzZkxuU3Q4Z0Q5VDBaN3BZdUNxeHFKdExDdm93MzZjb1R2SU5XRUFGU1dLS3VoTndlRGpOWDQ4WmItVE5xUlBvdmNsQ3ZrTmtEeEE5NURn?oc=5) · WBMA

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62664 (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/8.json (key "62664", 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=62664
- 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