# PAINESVILLE CREDIT UNION
Painesville, OH · NCUA charter 63679 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/painesville-credit-union-63679

Who the members are: state charter, organized 1942, low-income designated. 5,960 members of 232,217 potential (2.6% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *auto monoline*. 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 | $45.7M |
| Members | 5,960 (1.9% YoY) |
| Full-time staff | 14 |
| Net worth | $7.4M |
| Net worth ratio | 16.2% (p58 of band) |
| ROA (annualized) | 0.12% (p29 of band) |
| Total delinquency | 0.32% (p37 of band) |
| Net charge-offs (annualized) | 0.30% (p69 of band) |
| Loans / shares | 68% (p65 of band) |
| Cash / assets | 15.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.87% (p50 of band) |
| Operating expense / assets | 5.17% (p81 of band) |
| Vehicles % of loans | 77% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.23% (p41 of band) |
| Vehicle NCO | 0.02% (p70 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 12% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 81% |
| Certificates % of member funds | 13% |
| Average share balance | $3,618 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $10,953 |
| Loans granted, annualized | $9.4M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 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
- 2024-02-29 [Painesville Credit Union receives city’s 2024 John F. Clair Award - News-Herald](https://news.google.com/rss/articles/CBMipgFBVV95cUxPN0hiZnNvRWU5TTFUNGFXRU5uc1ZNdTB6Rk54THlNNVNSNHlDRFZaZjNWLTdNbUNSX21zTHdlTkpBSzZFd1dhVml1cklmWVNvOU9NUWJoUVZaVjg5SVpSWU5UNktKVE4yeDZWNExzMHNSZWFHb05EM0hGNHp3SjdIa2JqNExmV0txNDI5c2JoTzVqcl9HUEw0ZDYtQ0s4empFSkpNblln?oc=5) · News-Herald
- 2021-08-16 [Painesville bishop opens up about family struggling after massive earthquake in Haiti - WKYC](https://news.google.com/rss/articles/CBMi_AFBVV95cUxQQko0SHVlcXVXNll1elBmZ2xIOW16QUZsWkpJZ2NLVGYtRFBTcXVvQ3hrd1EyWlJHYy1kNWdQcnl4cHUxV3dwVUpHZmZ5ekQzNFY3V1VSeWhZSkpDQjlTSkw0WlA2Q1VxMFNUM0FXTkJjZjJxdnhPYXkwb2lmTFZac1lYZkVaQjFkRldxQjFMV2h3Y0E5ZnNha1BNWERydWowcWZoOTJzNjUtNGRiWEFZZFhRTTA2WTdmNGZMY3kxWlpFUWlId1BpMEtDMG4tZVFwTFFfWnYxcmoybllCcmdRVXZqV25Mc19qVVY5d1FKQ3RZU0V4T2x0NzE4Ynk?oc=5) · WKYC
- 2024-12-21 [North Perry Village kept working in 2024 on proposed project to improve harbor - News-Herald](https://news.google.com/rss/articles/CBMiugFBVV95cUxPZFJhZnRQSGVrUGhZSHRVUFdnaUdIV3R3MV9jeXI5SHdSbWNCd3pzVTBOOWlpNVNJWlZUQUcwdDVPZm1Tbk96Mk1HclFUcVJYbWZyNVdzUDFHQ3hEeEd6M2tQeHZOUXYyY0xycXZzYWhMcHlzb3Z1ZTB5MWlXVkp5Q2JEdllxd0VXRE50VnVGRmRDQ0ZBRXVzYlkzemNpUnBHNzdfM2s4dmVrak4yR1U3UmpSUVk2bjBSRkE?oc=5) · News-Herald
- 2023-03-03 [Dottie Bentley Obituary (1948 - 2023) - Perry, OH - News-Herald - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQOGxhR1FVRWNBU1FOdXpmT3Q3T3RkbVBCdWlXaU1nTzBwLXdibzN5Q0FvWkZ6Zm1lMldSYzFIcUZwbjVyajliWnNBS1NCX0MtRmF4RUN0X3JUUnM1TDRJWl9RMDcyNV9qZ2tmTVBIT2tuRV91UHRrTEF1VzlMeldFbm8zZjNqU3ZnZmZEdWNlamtOZE0?oc=5) · legacy.com
- 2024-05-27 [Marion Bates Obituary - OH - News-Herald](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5RRmlLejNVdktiVlFReFJQZ1NJbmE1dUlZcVZpamtabEtjU2RmSUtQU0hITjctdHFhWWhBNGpTbmU2VHl2dmtZTkhKb1I1Q0pJblo5XzAtUXJQNmxGV3doVEhlOGJOQ2xp?oc=5) · News-Herald
- 2024-07-27 [Barbara Kalina Obituary (2024) - Painesville, OH - Johnson Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPemJSajl0T3NoOV9MdDZzZ0hyZ1BJYVNtRTJwYUV4LXlLSGRqUU02MUxxR19DTXVid1Z2UUVwTkQxcDRIc2xxenY3LU5wZmhEbEFKOVE2cWJ3TTVRNlJFV3YyTlBsQUtFNEhXR1JrRzRPM210Z3hhcG9VMC05T0pVdDBHOA?oc=5) · legacy.com
- 2026-04-19 [Sherrie Lynn Marie Wheeler Obituary - Painesville, OH - News-Herald](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOLTh1VEZRSk9yVWlfREtacW5OZ1J5MzJ5RG1wbzBLZ2wxQ09SbGFjNEZOTHlQem9OVjEtSmJwdHJDNWpaS1JEWkV6V2F1NUdSUGNvdXVOMVpWbGhaN0NQZms2WlkwaF9LYmxWSnRfWXNxbXRMR1k4cUdZb3pmcUZvM2xLMUl6Y1N0?oc=5) · News-Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63679 (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/63.json (key "63679", 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=63679
- 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