# CHARLOTTE FIRE DEPARTMENT
Charlotte, NC · NCUA charter 63566 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/charlotte-fire-department-63566

Who the members are: state charter, organized 1955. 3,016 members of 5,500 potential (54.8% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *auto monoline*. 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 | $54.5M |
| Members | 3,016 (0.1% YoY) |
| Full-time staff | 10 |
| Net worth | $7.7M |
| Net worth ratio | 14.2% (p64 of band) |
| ROA (annualized) | 0.93% (p64 of band) |
| Total delinquency | 1.20% (p78 of band) |
| Net charge-offs (annualized) | 0.00% (p15 of band) |
| Loans / shares | 42% (p16 of band) |
| Cash / assets | 22.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.59% (p47 of band) |
| Operating expense / assets | 3.11% (p34 of band) |
| Vehicles % of loans | 70% (p90 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 9% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 19% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 28% |
| Average share balance | $9,355 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $231,516 |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 30% |
| Average loan balance | $13,561 |
| Loans granted, annualized | $4.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $231,516 outstanding purchased (3.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 0.2% year over year.

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2022-07-21 [Crews battle 5-alarm fire at Charlotte storage facility - WLOS](https://news.google.com/rss/articles/CBMirAFBVV95cUxPRmRKbF8wMkhPb0NoWHJkNFdGSGhPazJkc3BpU2liaklEVjBBMFlwNGlrd1NjXzdiaUdiYUV2bjQtSUwyYWFFODdlYnQzenNaeE95cUN2VlRCWlJzN25KV3ZCc2UyaGV6dEk0MnhuelBFeWU4NDNUbHZtS0lERUVwNllJdkJmczRNbHYyQmRmRFZsRmtKdl9uSmRJQnZ1c1pjUWc3NzZJcXRBZV9i?oc=5) · WLOS
- 2018-02-27 [Charlotte Firefighter Dies in Station - firehouse.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNT1VoWVpyWGU3RHF2SVFKaU9lVGRwVTlHSHZDa3JrSTBnVWFWZWpiajAzWGtMU3dlOS1mODl5dmxkZjlzNHhSR2dFdkdxWldsLWpFeEFhbEh6QndrekhYUC1nODl4c1JmZ2hJX256cDc5YXZSUlJKTEVQZ2Vadld5dGFHQ3hSNWtjUUx3?oc=5) · firehouse.com
- 2014-08-28 [Donald Gilbert Obituary - Charlotte, NC - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxQRHhvSzBhLWpsVjl4VC1qYnNxd2ZoemR0MUFwUXJ5NDdDVGtjQnRyUllEeC1xNjZMVE0xSVNabkVUd0MwVnNidmU1b29QTWItVnFWMHVKb0gtZjZxNDV3OTItcnJtZ3ZnM1ctdHhNanA4cVU2TmFyUWRsejhoWUJsWFBkdlg?oc=5) · Dignity Memorial
- 2021-12-23 [‘From tragic to almost unbearable’: Memorial growing after officer killed during crash investigation - WYFF](https://news.google.com/rss/articles/CBMilwFBVV95cUxPSTJ1TlpLNmotcFdKSzd5NzQ0Q29DTDZBRWxMMHNnUHRRdk1BR01JdmtRaldMLXBtdUR6Y2FwX2FBejdWNmQ2QXV3OUo1dElNaHZkWFEyTzlsTXQ1Smd4VjlvcVB6R2FnQ3lSXzlSNWlvOHVfdWpIaE82ZGlIMWktcVd1VEtvY3dzSWwzbEtwS1VIbWczZGRV?oc=5) · WYFF
- 2023-05-30 [Residents concerned over proposal to add 10-story building near Plaza Midwood - WBTV](https://news.google.com/rss/articles/CBMiqwFBVV95cUxON19tSXMxM2RXR2JGMFJKdXZvcmwxYU5SWW5USWFoYjFfWUtPTjdXdmpjUG9PenVoYl93VXE3YWV0ZnFmbTlHWWRWMGllUE9wbV9EN0hKbXRUWktYLWVHTEJKRFhZS2xqQUg3dWppMWZ5RXZuRWRiSEhvS3ZvZmFxZTh3XzRvS0RRcnRXaXBVcnYxWUlpY1U2WnhDSzc3Mk5Td3NLN1psa2tIcGc?oc=5) · WBTV
- 2022-05-31 [Levine Properties files rezoning petition for 12-story apartment building near Plaza Midwood - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNMU0zeDRQS21DTkw0TkZ3SE9kdmhJZ3pIOG9NWW0wSWNMUzEzVVllQ0toUFI3VmpBWE1NZm9KUVBvaFVzY2lqVUZlZDhWTVM4SXNWQzJRNGdsOFZzRlV4U1liRjhBTkxjS3hyNnE0ZldqN0JxOFpFOXpkbUxlcjlPM3RtSko1Q0djSDFPV2hFNkpsLVlLNlFqWnVJTUlEaXgyMUJ1V1ktZw?oc=5) · The Business Journals
- 2021-10-04 [Kelly Baker Obituary (2004) - Mecklenburg, NC - Charlotte Observer - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPWklMNl96U0NZYkl2eFdWOTV6SVhPaV9LU0FwR0M1LVRKNDFoOV8zZTdJaDdEMnpvYVV4clRPV3A0S2phYmtHZi1XZmM4R3kxeW0xeEgxbXFETlJYLVctdVQ3elVMNjh0UWEwOTNKa252Smd3RzkwNzgxTDZ5MkhCNkpxempwbmtWTXhYVg?oc=5) · legacy.com
- 2021-12-22 [‘The profession hurts’: CMPD Officer Mia Goodwin dies in crash on I-85 in Charlotte, days after return from maternity leave - WBTV](https://news.google.com/rss/articles/CBMigwFBVV95cUxOODF2a1o2OGNrMEd4V3lWblVLQXUyWE83Mjhzam1wZHk5RkZOSHBOdUpESDR1VHhhZ2VEX0tHRzlyRWJUbjkzZzhCdGY4aGdBdTUtaFZ2VzNxQi1hdTgwNmJUd3JwRGQzWHFwcC1LY2hZbHZxTFdLQk85czNpd2JkU3M0ONIBlwFBVV95cUxPWnRjWE1WVTFaNkNNbDVOUHBNcXN5VC1rZG9oemd1anRTRHlTS3hpTWE4cjBsT0pEQ0J6b1k2ZkpFQ21yZHE4V0lDYVhUdnBSbVZIMGpuYXBaLUNPTXBiLTFiU1pfbmh2VGYwNG5tb3E5T3dHLWVHTHZfQkVDMzQzMXh3ZzU1c29OdnFZdm9hZDBnMDVwTGln?oc=5) · WBTV

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63566 (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/14.json (key "63566", 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=63566
- 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