# CHAMPION COMMUNITY
Courtland, AL · NCUA charter 63614 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/champion-community-63614

Who the members are: state charter, organized 1971. 3,043 members of 24,000 potential (12.7% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 80.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $51.4M |
| Members | 3,043 (-2.8% YoY) |
| Full-time staff | 11 |
| Net worth | $7.5M |
| Net worth ratio | 14.5% (p66 of band) |
| ROA (annualized) | 0.43% (p35 of band) |
| Total delinquency | 0.55% (p45 of band) |
| Net charge-offs (annualized) | -0.12% (p4 of band) |
| Loans / shares | 50% (p29 of band) |
| Cash / assets | 56.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.19% (p24 of band) |
| Operating expense / assets | 3.34% (p42 of band) |
| Vehicles % of loans | 32% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.73% (p60 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.42% (p95 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 21% |
| Average share balance | $7,411 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 80% |
| Loans granted per 100 members, annualized | 36% |
| Average loan balance | $8,895 |
| Loans granted, annualized | $5.4M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **repo signal** (`aq_repo`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | delinquency 2x band |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | delinquency 2x band, assets shrinking |  |
| 2017-09 | 2 | delinquency rising | assets shrinking |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 | losing money | delinquency 2x band, delinquency rising |
| 2018-06 | 2 | delinquency 2x band |  |
| 2018-09 | 1 |  | losing money |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | losing money | delinquency 2x band |
| 2019-06 | 3 | net worth falling, delinquency 2x band |  |
| 2019-09 | 2 | repo signal | net worth falling, delinquency 2x band |
| 2019-12 | 1 |  | repo signal |
| 2020-03 | 2 | net worth falling, delinquency rising | losing money |
| 2020-06 | 1 |  | delinquency rising |
| 2020-09 | 4 | losing money, delinquency 2x band, delinquency rising, loan book shrinking | net worth falling |
| 2020-12 | 2 |  | losing money, loan book shrinking |
| 2021-03 | 5 | net worth falling, losing money, margin squeeze, loan book shrinking | delinquency rising |
| 2021-06 | 5 | delinquency rising | margin squeeze |
| 2021-09 | 2 |  | net worth falling, loan book shrinking, delinquency rising |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | net worth falling | delinquency 2x band |
| 2022-06 | 3 | delinquency 2x band, members leaving | net worth falling |
| 2022-09 | 2 |  | losing money |
| 2022-12 | 2 | assets shrinking | delinquency 2x band |
| 2023-03 | 3 | repo signal |  |
| 2023-06 | 3 | delinquency 2x band | repo signal |
| 2023-09 | 4 | delinquency rising |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 1 |  | members leaving, delinquency 2x band, delinquency rising |
| 2024-09 | 2 | members leaving |  |
| 2024-12 | 3 | delinquency 2x band, delinquency rising | assets shrinking |
| 2025-03 | 2 | assets shrinking | delinquency 2x band, delinquency rising |
| 2025-06 | 4 | delinquency 2x band, delinquency rising, loan book shrinking | assets shrinking |
| 2025-09 | 2 |  | delinquency 2x band, loan book shrinking |
| 2025-12 | 2 | delinquency 2x band | delinquency rising |
| 2026-03 | 3 | net worth falling, repo signal, loan book shrinking | members leaving, delinquency 2x band |

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

- 2025-09-10 [2025 CU Times Luminaries Finalists: Executive Leadership – Credit Union CEO - CUTimes](https://news.google.com/rss/articles/CBMirgFBVV95cUxOY1hmMkJHck10el9KU3JNT014R1pIRzJfY3NfZEowNFBHN1lBN0lrTmd5Q1JLT0lwTEhNdjhEQ2JNdFNLU21fclJpS0xPS3dEeEFXQlZEb1gtYkxIRzZ0MXR6YUhvZDRPR1VPZGFzZGFnb1Y0YlF2Qnc1VkYtamxrTmNuTkdMbW9TUjYxdWZsZTBMbkRnSmIzTjhaV1R1dHBYT2oyd3hyVUVRRHRKV3c?oc=5) · CUTimes
- 2025-04-26 [Obituary information for Kimberly Hill "Kim" Masterson - Morrison Funeral Home](https://news.google.com/rss/articles/CBMikwFBVV95cUxQSDhsSW9adGZ1UTBmNlhtWnhYb3VuWk15Z3JTNmZ5elhNQTl6dVRzY09ndzlabFlhRS05NnRZMTBMclB5Y1pjckQ1RlRDUHBSM281ZmtYRGFqbWFzODlzdHlOZ0VUOGt0MTd1UTdZZWNCMjY5Nk1PSVBVV0l1aUxFeUl6akVPZjF3aE50UkhyYXUwRWc?oc=5) · Morrison Funeral Home
- 2019-08-22 [Obituary for Roger Dale Keenum - Parkway Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiW0FVX3lxTE4tRTRBY29yTkZ4dTZnTGM0UWZxcDdfamVWMVVRSUZNaU9zLXg5cFlsd2lnaVl1dy00VTZ6bFdZNGdKSHE2RFZiX0hJclNfMGlzeHY0WGhDNnQ4bG8?oc=5) · Parkway Funeral Home & Crematory
- 2022-12-22 [A Show of Force: Navy Federal Credit Union Supports Soldiers’ Angels - Soldiers' Angels](https://news.google.com/rss/articles/CBMikAFBVV95cUxQZU5nV3ctS0UwbWJEMmxIRkQzVU1mbGlSeG9TYmtnTjJNNjFhMkdBb0VYUjhUOEtxbk84N2dtb1ZDam4tZnhaN29yZ2cyZDJ0NlFYZXBsMURvOHRxWlBVYk85UTZ6NmRhQjlLSUNwamMwWURlTkxaRjJtcEw5c3piUHZ3QU5CblJHZEFxZ3NSREo?oc=5) · Soldiers' Angels
- 2016-12-09 [Eugene Hobert Farley, Jr. Obituary Dec 9, 2016 - Tharp Funeral Home & Crematory](https://news.google.com/rss/articles/CBMidkFVX3lxTE9wbV9lLVV5VTlJREpTS2ktVmhsQW5fYzM2eTJGLU9ZNjhudDQ5bE9hckVBYW9xOFNWOW10ajd6VG9IdHRyaDB6dUZNd1hhSUpTdWFicXpvM0toS3hHUXNPc2dVSEpoUlMwYmFTV2JwcXRtT1EzT1E?oc=5) · Tharp Funeral Home & Crematory
- 2017-09-26 [Your Town: Kiwanis Club recognizes Seniors of the Month — plus, schools celebrate dress-up days and more - Observer Local News](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQd2ZLQXBrRWM2M3A0N1pXODhsdnJrVVBnWW85djBMR1lMY2E0S2R3OXprajJiLVNvdGhqQm01bXpPaXg1WmdKZmJybjhKTW1CV0QtOFI4dDJhS2VXZFdza0NxU0gtRGtOdHhDTU5QOGhCT1pQYjgzdTFWNUlCSWpVaWRVUHY4Z1VCcFFiNTdVQVYySVBJbE5mZWJjN3hESVd4RlY1X1NNLURHQ1lnRi1FQXhiN3dVRUZZRndnRldoclFmU2w0VE5mVVphcE56OFVlVmRQLUxzSURoczVmSmJFNHRn?oc=5) · Observer Local News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63614 (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/62.json (key "63614", 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=63614
- 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