# O'NEAL
BIRMINGHAM, AL · NCUA charter 64593 · asset band <$50M · latest filing 2022-09 · stopped filing after 2022-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/o-neal-64593

Who the members are: state charter, organized 1955. 451 members of 2,000 potential (22.6% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.3M |
| Members | 451 (-15.9% YoY) |
| Full-time staff | 1 |
| Net worth | $622,999 |
| Net worth ratio | 26.8% (p93 of band) |
| ROA (annualized) | -1.15% (p6 of band) |
| Total delinquency | 2.89% (p88 of band) |
| Net charge-offs (annualized) | 0.84% (p90 of band) |
| Loans / shares | 96% (p96 of band) |
| Cash / assets | 27.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.63% (p85 of band) |
| Operating expense / assets | 4.89% (p90 of band) |
| Vehicles % of loans | 86% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p42 of band) |
| Vehicle delinquency | 3.16% (p91 of band) |
| Vehicle NCO | 0.00% (p30 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,465 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 35% |
| Average loan balance | $8,201 |
| Loans granted, annualized | $929,075 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loans>95% of shares** (`str_ltos`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | delinquency 2x band, charge-offs p90, auto monoline |  |
| 2016-06 | 1 |  | charge-offs p90, auto monoline |
| 2016-09 | 2 | auto monoline |  |
| 2016-12 | 1 |  | delinquency 2x band |
| 2017-03 | 3 | delinquency 2x band, members leaving |  |
| 2017-06 | 3 | net worth falling | delinquency 2x band |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | delinquency 2x band |  |
| 2018-03 | 3 |  | delinquency 2x band |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | delinquency rising |  |
| 2019-06 | 3 | assets shrinking | delinquency rising |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 5 | net worth falling, margin squeeze, delinquency rising | assets shrinking |
| 2020-09 | 3 |  | net worth falling, delinquency rising |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | delinquency 2x band, delinquency rising |  |
| 2021-06 | 6 | losing money |  |
| 2021-09 | 7 | net worth falling |  |
| 2021-12 | 6 |  | net worth falling |
| 2022-03 | 5 |  | delinquency rising |
| 2022-06 | 4 | charge-offs p90 | margin squeeze, losing money |
| 2022-09 | 6 | losing money, assets shrinking, loans>95% of shares | charge-offs p90 |

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

- 2026-09-09 [Join California's Grand Tasting September 11 - KFBK News Radio](https://news.google.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?oc=5) · KFBK News Radio
- 2026-08-03 [Obituary for O'Neal Messick - norrisfuneralservice.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE1tekdJZTdpVUF6RXRVSTZEcHNkWnZ1cmZYcXJHaUIzR1V2RXIxUGRHd1lTYWgwNHdxQ21XZFlnUjZVWTIteU1LbFljMUNBMVE2X2IwUVVoME1GX2RuQ25lRjBlMHA0OFBZOHpz?oc=5) · norrisfuneralservice.com
- 2026-04-13 [Crypto Is Getting Popular in St. Cloud. One of the City’s Credit Unions Noticed. - Twin Cities Business](https://news.google.com/rss/articles/CBMiekFVX3lxTE0xZHU0aDVfY1AyRTBaSWhYMHowUHgxVkItdURUUlNYMDh2dkthd2ZmQUh6TzNvQmkySkN1WmYxejhGZWFad3MtNHNuRXFmVXFmU3NwS0pKS0xVTWtJejZPTkhaZ2poMnBXc1l4eENna0RESWc4dFFNYTFR?oc=5) · Twin Cities Business
- 2026-08-09 [On the Record for Monday, Aug. 10, 2026 - Texarkana Gazette](https://news.google.com/rss/articles/CBMikAFBVV95cUxQRG1GWF9BaWdmOF9hLVFwbFREYjV3cDB2R3lISEpWT19BMUFSVno0UjROdkVxLWVfTGdyT082U2U3NEh3UkRIQ2RJbTQyRWRWXzJmZmFMeVh3VHNCUTlYVTN2OXpac1FQOEpLeVRjNVZrSDBmSjNmNWlhV0o3SEM1RDctdzMtSl9rWFJwWkZlS1o?oc=5) · Texarkana Gazette
- 2026-01-15 [How Unusual Was Blaze Credit Union’s Data Breach? - Twin Cities Business](https://news.google.com/rss/articles/CBMidkFVX3lxTFBXYTZyM2dKd1pmTFNWVFJkMVN1MHJvVk1ib2VBSUlONzNGUlJzOUlSTHBoN2lpRTFkZkpzXzhYMEtublJINkdVdkwwZ1BTU1RxZUpzZk55eGsyVWJWOUVPZU84THp5Tk9aRGlFOFdNMkd3cmkwR1E?oc=5) · Twin Cities Business
- 2026-02-25 [Anthony Ray Hinton: An Innocent Man Who Spent 30 Years on Death Row - KFBK News Radio](https://news.google.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?oc=5) · KFBK News Radio
- 2021-12-28 [Alabama One emerges back from the brink - Business Alabama Magazine](https://news.google.com/rss/articles/CBMid0FVX3lxTE1IazUydmNPRUNVOWwydkhDczFhM1JiNkpnTk9DeXUtV20tN19fbTJRd0VpSHllWUdrMWxXcTZhNl85RC11UXRPZjdNRkNMc2JmLTRyREJWQk9ZalN1b01vRHA5VXpOTHhVSlY2RkFkeXNfTXpxcjdJ?oc=5) · Business Alabama Magazine
- 2019-01-22 [Pelican State Credit Union to build new corporate headquarters on O'Neal Lane - The Advocate](https://news.google.com/rss/articles/CBMijAJBVV95cUxQS0lqUWVWcHZGdmx6OTlxT0pzRk9tenNrNjRaWmcxRHUwekV3dUowR0lDZFF5eFNHTUY3RTUxc1p0Z2U0ZElmRFVsdDFyU1FJWG03NmtMNXFZLVN4WDk3cE1FQUU3RmlYS3p5WFV6OG9wOGdoN29CREpyUVJIMUVlMlV1cDh4N1dQSGkzSXR5dkREV3k1cWJLc1hvcUxmTVpadXhwYWhwUk1sV0JuSkdiYVJSZUNjd3BPQzI4aGI4bm5HODZhZlU5ZVgybUxCRVNTUWRiY1hobzVLS1VVTm5VeUVEN0htRjhIc3lGQ25odFhZbndhdEtUR2dJaER1bGkzSGdfc0tLZVFFZUFC?oc=5) · The Advocate

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64593 (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/17.json (key "64593", 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=64593
- 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