# CHAMPION
Toledo, OH · NCUA charter 63100 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/champion-63100

Who the members are: state charter, organized 1942, low-income designated. 5,482 members of 431,279 potential (1.3% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $74.1M |
| Members | 5,482 (-3.0% YoY) |
| Full-time staff | 13 |
| Net worth | $8.5M |
| Net worth ratio | 11.5% (p35 of band) |
| ROA (annualized) | 1.17% (p74 of band) |
| Total delinquency | 0.70% (p54 of band) |
| Net charge-offs (annualized) | 0.09% (p31 of band) |
| Loans / shares | 37% (p11 of band) |
| Cash / assets | 30.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.93% (p15 of band) |
| Operating expense / assets | 3.81% (p59 of band) |
| Vehicles % of loans | 57% (p71 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 53% |
| Third-party paper % of net worth | 86% (p83 of band) |
| Vehicle delinquency | 0.83% (p64 of band) |
| Vehicle NCO | 0.18% (p48 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 4% |
| Average share balance | $6,568 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $9,487 |
| Loans granted, annualized | $6.6M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## 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 | 2 | net worth falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 | losing money | net worth falling |
| 2017-09 | 3 | 3rd-party paper>100% NW |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | net worth falling | losing money |
| 2018-06 | 1 |  | delinquency 2x band, net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency 2x band |  |
| 2019-06 | 1 |  | delinquency 2x band |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | members leaving |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 3 | margin squeeze | members leaving |
| 2020-09 | 5 | losing money, delinquency 2x band |  |
| 2020-12 | 4 | loan book shrinking | 3rd-party paper>100% NW, delinquency 2x band |
| 2021-03 | 5 | delinquency 2x band |  |
| 2021-06 | 7 | delinquency rising, members leaving |  |
| 2021-09 | 4 |  | net worth falling, losing money, delinquency rising |
| 2021-12 | 2 |  | margin squeeze, loan book shrinking |
| 2022-03 | 4 | net worth falling, losing money |  |
| 2022-06 | 1 |  | members leaving, net worth falling, losing money |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | delinquency 2x band |
| 2023-03 | 3 | delinquency 2x band, 3rd-party paper>100% NW, auto monoline |  |
| 2023-06 | 4 | assets shrinking |  |
| 2023-09 | 3 |  | delinquency 2x band |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | assets shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | members leaving |  |
| 2025-03 | 4 | net worth falling |  |
| 2025-06 | 2 |  | auto monoline, net worth falling |
| 2025-09 | 0 |  | 3rd-party paper>100% NW, members leaving |
| 2025-12 | 1 | members leaving |  |
| 2026-03 | 1 |  |  |

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

- 2025-12-03 [A legacy of service: Why CME Federal Credit Union is Ohio’s No. 1 credit union - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNNjk5UmtnZFMydU1wMnhLdnc3WFlPUFo0NjZoZjZIM1A2SDlXLUJjbFlseG5DcDlaYUp0bUZDQlVMOWRSdkJzQUJoTmg3VEd3SDlPelNhMTBwU0ZaTGFVdUk3SFBFTTlIMHN4TWNZSHdzT0lJM2RQd0VQZVQtVVpBTFNPQ2pVNl90aW04VUVSeTNSRWt6b2pyMGdMZlB4MnpJNTkydA?oc=5) · The Business Journals
- 2026-06-02 [OPINION: Banker attacks won’t distract credit unions from our mission - Dayton Daily News](https://news.google.com/rss/articles/CBMilAFBVV95cUxPay14U2toZTg0a25tUlFDQ2tVUmhkNWw3STlzNmZldVZIb3VVV0ZNRWhkMEtlaW5vdzVpUHVBbjVxU0N1ckNDUEZPR1psc0h1NnhFb1IyZ1VCNDQzckhUUFpTWTZjX0pnR05ZN29aazRFMFBFWU9KcXdvUGNBVzJpZ3Z2anNaN1Fxd3VsQVhwT0VoLUc1?oc=5) · Dayton Daily News
- 2026-07-23 [Grand champion chicken fetches $2,100 at sale - Record Herald](https://news.google.com/rss/articles/CBMijAFBVV95cUxPZklyRXB6YkJmZzA4bVNuTUpROFNjMEdyaXlLZmhaRG5DeUdBbFZ6eUlINDRpNTd0SFBnbTI3c1pGWURnalQzVWswUUVLQ1BMUmVMRFRIRWdEVlFickE4aUVuNUdaRFRPdXZ3Rk5PU1lrMVN3WUxoZ095VWJyT3dQSmRHZG5JMklKTzd3Vg?oc=5) · Record Herald
- 2026-07-28 [Buyers step up to support Livestock Sale - thetelegramnews.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQa3VQcVNoLW12MExZVWpLaDh0UDJldkdqSGJDWllpcmpoTXdJSXBYNDRINjAxajd3M1YtTWtzd0w2em95c3FLeGhZQmVqcUo0RkxoSmtickZVeXdCd285TG9QaThMaENIOG9IWUpUQ3huOVdDUno5VDFOY2YyYUVtZlFpYjVxNEd5M0E?oc=5) · thetelegramnews.com
- 2025-10-23 [Painesville Credit Union cuts the ribbon on North Perry branch - gazettenews.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQNDB6N1RmbjZ2UGhNVFh6b0xlQXZVVmNtN09wWmREZU9DbnFZbkYtUFg4cFNjdGEtVW5BR0lkQWlybkV0eW5YSno0dF9ac2lYZVdQUzdtazlXQmZIY3IzOWR1TWpSUVBlR1dsTkRLUTNMaGhuRk5JbHkwME5Xa3pscFU4Z2E4LXQ5QnVnTXd0Z1Q?oc=5) · gazettenews.com
- 2023-09-25 [New Canton headquarters underway for Champion Credit Union - The Mountaineer](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNR1ZtR2xaZUx4LWJlcmZoYUFTbm53RkNIb1A3NWF0ajJUWHhpcHdFZ0xOa3lGSWY2TllRazVreVU2VGM4TmpBck9Ea2V4TjJVVUowQ093d29qRHpNUVJqdi01R1lFRGtXelFaZUsxbkhvT2tEN2V4RlFZSnM1VWxWT3BBYzFUcmlYRTZ3dmg2aHBfRW9OdTR0eEV0VWZjSWw2ZFZfb3pnMmxxVnR3N3BvTHAycDZyZWdMZU5GeEVIX0lzZGZxcWwwMHZnczJ5TUhDczJFU29KNWdQRTJK?oc=5) · The Mountaineer
- 2026-06-11 [Moeller baseball team to play for the Division I state championship Friday in Akron - WCPO 9 Cincinnati](https://news.google.com/rss/articles/CBMiygFBVV95cUxQU2lWMmQ5TXJXWTV2NWswMHhuTjQ1SHdqN0dTNTEyc0ZFWGFHYkktMkd0U0d5RW0zVHR2Y3dMSFFicUlGYnFYR0hxejhRUXVqZ3BQRHVzaWJkSHFUZ3AyMVlRMDVucnNUMlFOd0pBYi03Y0p6dTdneW5yUzhkRmlreS02LTAyYTBjb0QtMktDalRfZzNENU9tUXN6UWg2SUlxRGcxS25MYXlDUEFlNmNYcVZfWXdrbUhKSnhta19sbUk3X2dwSlBlNTdR?oc=5) · WCPO 9 Cincinnati
- 2025-02-28 [#NHLStats Pack: 2025 Navy Federal Credit Union NHL Stadium Series - NHL Media](https://news.google.com/rss/articles/CBMiUEFVX3lxTE5CdmZFRFp6Qzd2eUp2N1c5RVl3UER1MlRjTThQM2hrd09wZjZYNDRGY0NJbHU3bXVCLTJwUkpETjZrYkwzZFJ3MElaa2lSQ21k?oc=5) · NHL Media

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63100 (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 "63100", 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=63100
- 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