# FAYETTEVILLE POSTAL
FAYETTEVILLE, NC · NCUA charter 63612 · asset band <$50M · latest filing 2019-09 · stopped filing after 2019-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/fayetteville-postal-63612

Who the members are: state charter, organized 1928, low-income designated. 1,610 members of 1,800 potential (89.4% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 43.

**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 | $7.6M |
| Members | 1,610 (-2.5% YoY) |
| Full-time staff | 4 |
| Net worth | $757,645 |
| Net worth ratio | 9.9% (p22 of band) |
| ROA (annualized) | 0.20% (p27 of band) |
| Total delinquency | 3.92% (p90 of band) |
| Net charge-offs (annualized) | 1.18% (p88 of band) |
| Loans / shares | 68% (p58 of band) |
| Cash / assets | 7.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.63% (p95 of band) |
| Operating expense / assets | 6.01% (p91 of band) |
| Vehicles % of loans | 66% (p66 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 1.84% (p80 of band) |
| Vehicle NCO | 1.23% (p89 of band) |
| Repossessed % of vehicle book | 0.08% (p91 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 27% |
| Commercial % of net worth | 5% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 8% |
| Average share balance | $2,541 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 37% |
| Average loan balance | $6,680 |
| Loans granted, annualized | $2.2M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, auto monoline |  |
| 2016-06 | 4 | repo signal |  |
| 2016-09 | 5 | net worth falling |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 5 |  |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 4 |  | net worth falling |
| 2018-03 | 6 | delinquency rising, charge-offs p90 |  |
| 2018-06 | 4 |  | delinquency rising, charge-offs p90 |
| 2018-09 | 4 | assets shrinking | thin capital |
| 2018-12 | 4 |  |  |
| 2019-03 | 7 | thin capital, net worth falling, losing money |  |
| 2019-06 | 5 | members leaving | thin capital, net worth falling, losing money |
| 2019-09 | 4 | expense trap | repo signal, members leaving |

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

- 2026-06-22 [Mary Culbreth Obituary - Little River, SC - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPcVJMaTNYS2J1UnFkeGFJUnZKNVFIUldnaFU4WkZiRThITXRtWUdBVkRSRXJLR21JdmFxUFNoUV9vVmxySFRCN2VFSGpkbEJhTDRpYm0tNjcwRWdPRDFMTTZzZmtJN2g3cFJkVm5XLTFXODQyeWZ6UjBEemNhSXAxWTVrRERfUXFz?oc=5) · Dignity Memorial
- 2020-08-26 [Piedmont Advantage Credit Union picks up Fayetteville Postal in merger - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPNlZWLV81aG5YQkNZbUpVQy1IdEdGNXNISnVRV29kWmtGV2hoajd4SDBTZ1ZNY3E2UVhSOXc2Tm10TTFJOEY5WGpjRlhIMGE0Tk5DanhRNUdMdVNJbkxrUUhzOW43aTBRQlZqeVBCTWI1YXBMWjI2OHdodkNQRHp4N0ZhZnozbmM3RXhMdEFfQmk4ODlRUUktaVBtaHRmQVN1TnU2T3N0WHpUZzVpUEo0YlZpWmtpX3BpNmtR?oc=5) · American Banker
- 2022-06-17 [Obituary for Bobby Leo Byrd - Rogers & Breece Funeral Service](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5WeUpjRFlRc3VBQnd3WlVjS2ZKN1VaOE56cHNJRVlvNm4zUnhtNVIxS0lWNnhwRUk2cXVncXpuS25Md2ZWdzRHWUQ4bWh6OFZWTDhOaVRlMzlSaXI4eVl0NQ?oc=5) · Rogers &amp; Breece Funeral Service
- 2026-07-07 [Molly Gill Culbreth Obituary - Little River, SC - The Citizens' Voice](https://news.google.com/rss/articles/CBMigwFBVV95cUxPV0RMZTRGVDZJaHVxWWZIVnoxVUxlWVlXZVVvWVlSdktnMllTTnlPZ1ZFNmJsX2ZWS204REVFWTFma2ppRGNTN29FTjdBNjJ4TlRaaE45QnFjZGF6WW5Xb0lUV2p2Z1hkdngzOVFpWXdxYkVjajBGVWxOekxzQmVMYTJMSQ?oc=5) · The Citizens' Voice

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63612 (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 "63612", 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=63612
- 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