# LISTERHILL
Sheffield, AL · NCUA charter 63057 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/listerhill-63057

Who the members are: state charter, organized 1952, low-income designated. 91,837 members of 25,608,306 potential (0.4% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 67.

**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 | $1.46B |
| Members | 91,837 (-2.5% YoY) |
| Full-time staff | 286 |
| Net worth | $159.6M |
| Net worth ratio | 10.9% (p56 of band) |
| ROA (annualized) | 0.43% (p25 of band) |
| Total delinquency | 0.69% (p58 of band) |
| Net charge-offs (annualized) | 0.34% (p29 of band) |
| Loans / shares | 82% (p37 of band) |
| Cash / assets | 15.1% |
| Borrowings / assets | 2.74% |
| Net interest margin | 3.45% (p58 of band) |
| Operating expense / assets | 4.31% (p91 of band) |
| Vehicles % of loans | 22% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 34% |
| Third-party paper % of net worth | 66% (p30 of band) |
| Vehicle delinquency | 0.54% (p46 of band) |
| Vehicle NCO | 1.33% (p68 of band) |
| Repossessed % of vehicle book | 0.03% (p33 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 142% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 30% |
| Average share balance | $7,680 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $22.6M |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $17,457 |
| Loans granted, annualized | $352.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $22.6M outstanding purchased (14.2% of net worth), $110,874 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 0.9% 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 | 1 | expense trap |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 2 | 3rd-party paper>100% NW | net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | net worth falling | expense trap |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 4 | expense trap |  |
| 2020-12 | 5 | thin capital |  |
| 2021-03 | 3 |  | margin squeeze, expense trap |
| 2021-06 | 3 | expense trap | net worth falling |
| 2021-09 | 4 | members leaving |  |
| 2021-12 | 3 |  | 3rd-party paper>100% NW |
| 2022-03 | 4 | 3rd-party paper>100% NW |  |
| 2022-06 | 5 | net worth falling |  |
| 2022-09 | 4 |  | members leaving |
| 2022-12 | 3 | delinquency rising | 3rd-party paper>100% NW, net worth falling |
| 2023-03 | 2 | losing money | thin capital, delinquency rising |
| 2023-06 | 1 |  | losing money |
| 2023-09 | 2 | losing money |  |
| 2023-12 | 3 | net worth falling |  |
| 2024-03 | 1 |  | expense trap, losing money |
| 2024-06 | 0 |  | net worth falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 1 | expense trap |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-03-25 [Inside Alabama’s credit union movement - Business Alabama Magazine](https://news.google.com/rss/articles/CBMidEFVX3lxTE0xbDYwZ3JkY0JMaXNPSmlMU21DZF9VSHg1TGRnVG5YQUVTUTFncThEbzlqN3JDOERBMXRwT2h5ajhQLTRlNTAzU1RrUDhLZ2lKYUd0NHBDNlZidEU2RDJnbGJoVXBvRVEycUhhbDVXd21QZWtI?oc=5) · Business Alabama Magazine
- 2025-11-08 [Listerhill Credit Union breaks ground on new Cullman location - The Cullman Tribune](https://news.google.com/rss/articles/CBMipwFBVV95cUxPUlY0MnF4aXZENTMzYnlhMFh2YU9nN28wNE93bC1IYV9JamFOb0pIaVlJMWNSZzROU0lyanJNYWNYd0ZqNTRKRV9ndlVNOGtpTllvTmpnZ2Z2ZmtrNF9XTHl3TDE5VjdCdkR4MkZZSTVEZDBHWHdYdFAwQ1MtLTJNa1NseUNUbTVwNktSZ2hoN1JXSDBGTEIxT0JQQ0Z6b0NzTndEQUlvSQ?oc=5) · The Cullman Tribune
- 2025-11-07 [Listerhill Credit Union breaks ground on new state-of-the-art branch - The Cullman Times](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQYjRPN09ZbnItUmgzWnJILTlxcWp4X2w0TW05UlMxQ2ZhOTZWX0kyTkh3eGJDX29ualFZcURXbTJNNEkxOUZ4bWt5U0JuM2h5YWliR1B4dHdiSWQzeF9ZaTJpa28wdGRESklQT1ZpUTdGb2xkbm9teVRyekhpZzRmQzJWbG5XVHlXUHhIOWVCZ0FQOFhpZll3UlM0b2pBOEltb0FuQlFRQ0kyZw?oc=5) · The Cullman Times
- 2015-02-03 [Listerhill Credit Union to temporarily close north Alabama branches for system upgrade - AL.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE1QYW9yVkpVcy16aVI3dEtIc2RfQ193em43WVZBUFpNYkdhNUxTMHZtWmhsa2w0S0RqYWFHeEk2WlZEVHhRZnp3R1hkX2NRd3p4d0ZqNkRUdVpILTgwMk5hTDZsVVRTcU02ellmMExzS3ZpLVJ4ai12VmJHaw?oc=5) · AL.com
- 2018-11-12 [High tech touches pay off in Listerhill's new branch | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxPcEh3a0FUZlh4aFhtcXFYMVpQellMSWJFUXYycEF3d3F1X3RqREZtZENJOHVNVl9SdmxsMXB6V2FXb25VakhnRU1uUzNaWm1GMDV4eUhfZWJiSWgwMUNFS1lKTjZFcWZjYmROclNDR0w5X0VuU01BQlFPSVAycDNQSHdOMXdBR3p3YS0tLUhzVVBRclMyekF5QnFPOFdVMHdFeFE?oc=5) · American Banker
- 2011-10-24 [Florence Police arrest suspect in credit union robbery - WAFF](https://news.google.com/rss/articles/CBMijgFBVV95cUxQVmpqTUkzNWNMc2k0N2RzWC10YTlZSWlyTE8zUVA1V3JHMHJpODdVbi1lQnBNQWI1ajFpUERTR2VqR0JlbWlUVDFSdzh2U3NQTWgyemdKaHhnRVdPcmZieENWNDBrRjlRa1o0aTlKbGxTaV8wTE5OWHZHR3M2Uk83U3BubGpQME9WREFLZjJ30gGgAUFVX3lxTFA2V1J5X19zdnJYSlNGa1VnczIySkh4eFd2QlZTM1QxMmNtT3RoX1EwWGJ3SGxScWpGdGdzdnNyNDdDY05pd0ppeW5sc2ZYbktnT0FLR1lPeW5iTElCazJWS0Q4Skl5eUhLellDRHJqOFBhS05KSWNaMGs5Rm5ielZ0a3ZtYng4MHlGZ0JVUGd3dHljNk0zYlJVa3hSa3JiaXI?oc=5) · WAFF
- 2021-04-30 [Visions FCU Wins Diamond Award for Financial Education - Berks Community Television](https://news.google.com/rss/articles/CBMiogFBVV95cUxQUEctZmgwUUsyQ1ZWbzNBSmlFUFJoOWJCMXFUVi1Cc184VFhnZ1Fqc0tWOVRTQ29YQ3hOM20yT3NGY0xGUmwwTUZsVlF6Vk5hdi1zcHIyMUhYcHlOVnJ5NVRKM3p2Rnd6QkJjMUtNWnd4aFdMYUw5aC02bjRqYlA0U1RLaVNIdHA4QUExUTF0UnlTeEFqY0d6S0NCamlYZlc0V0E?oc=5) · Berks Community Television
- 2023-03-08 [Credit unions aim to benefit communities and members - Business Alabama Magazine](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQelJuOUZsdUNyM1kyTTVpLUdpdXREZ09mdVljNjVRdEN6clBCWnBVY0drendicEdDcEFqYXhBcWVJM2VVOEYwSHVVczlhWkVZeFJpVjJ0TW5fR21MQ1dreHRNSi1sSUkxXzVUbWo5c1NCWWdqNzRObmJTYzM2U2dSc0IxR1hhRHVv?oc=5) · Business Alabama Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63057 (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/17.json (key "63057", 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=63057
- 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