# THE WAY
New Knoxville, OH · NCUA charter 66066 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/the-way-66066

Who the members are: state charter, organized 1982. 735 members of 1,024 potential (71.8% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 0.

**Verdict on the desk:** this could be *ordinary*. 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 | $15.6M |
| Members | 735 (5.0% YoY) |
| Full-time staff | 3 |
| Net worth | $1.4M |
| Net worth ratio | 8.7% (p8 of band) |
| ROA (annualized) | 0.62% (p52 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | 0% (p0 of band) |
| Cash / assets | 33.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.32% (p7 of band) |
| Operating expense / assets | 1.72% (p7 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 16% |
| Average share balance | $10,348 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 2 | assets shrinking | net worth falling |
| 2017-06 | 1 |  | assets shrinking |
| 2017-09 | 1 | assets shrinking | thin capital |
| 2017-12 | 2 | members leaving |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | assets shrinking |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | net worth falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 | thin capital | members leaving |
| 2021-03 | 0 |  | thin capital |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | net worth falling |  |
| 2022-12 | 2 | thin capital |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | net worth falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | assets shrinking |  |
| 2024-06 | 1 |  | assets shrinking |
| 2024-09 | 0 |  | thin capital |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 2 | thin capital |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | net worth falling |

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

- 2026-01-14 [Trump's 10% cap on credit card interest rates would hurt many Americans | Opinion - The Columbus Dispatch](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNbFVLWVVXWkU0WEQ5V2F5dGVaSXZpZDgzenFlSUlhdkxSUUwydVlUM3lMOEtyeE9HNHVLTmZ4MVhwMjh1NDlxcWFGVllZYUlqSHh5V0NyU3FrbWh3VDdXX1MwNVpObGUwanhGR0VjZi1waDRXQ0hQQlZhQ3l1b2NERk93eWRZVklEOWdKNmphVXU1VUZ5S2E4bXhXc0x1TXNRQW9Qck11NURQa0luY1hKeFNvQ3g4eVNqenk0YVZ5bjJWU0ppNHpiQVBsRk9XY193QTdpcUlR?oc=5) · The Columbus Dispatch
- 2026-02-05 [America’s Best Financial Services of 2026 - Time Magazine](https://news.google.com/rss/articles/CBMicEFVX3lxTFBoTkN6VU5WZHhwQjZqdk9LVVdGTUdJVHUyX2NBR09wOGVaOWtkaGNJeWpBeG1QZGh4Zk9GSE1nVkgtUzRZYUxSeGlNUUJFU0xCdG0wc0xLbHM0MXRPSEc3X2hJVTZuUWxHUTJaMWZnNVE?oc=5) · Time Magazine
- 2026-05-22 [World's largest operating steam locomotive 'Big Boy' to make stop in northwest Ohio on America250 cross-country journey - WTOL](https://news.google.com/rss/articles/CBMiowJBVV95cUxNT1R4c092TlAyZFlydGNSc2p0dnczbk90MWU3eXQyOV9RTWJCeFU4SFRLdnBNN0trXzQ5X0I5eGc2NUNseThpZDhCR2ozZ0JRY0czY0Z3RzBNdWFZeUhtdF9YajcwSGRuTnJLQnRCMVBFZElCdk1WeHNwWVhRQXJoVEJxTzM4RGZLc3BNR1p5YjNzZ3E4SlpwMkxLOVNKRl9nSjluWDhZR1RkcHlJRW1ad0FWdUFxVjVRemcxbDZVOTg5Y0ZMUWJpbkRaQjBYQ2pzTHpJS3dVbV9rdEM0VUdzVGczXzFKQTlWTnZIRFo1bW1sNEwwZk9IOEtKQzJCTnhZODZxRnlJR05lcVA0LU1LLUpyZ3VXUUtWV1BPVGxaZ0JnaW8?oc=5) · WTOL
- 2026-07-21 [Five Finger Death Punch Concert Setlist: Discover the Average Song List - Ticketmaster Blog](https://news.google.com/rss/articles/CBMib0FVX3lxTE5xeUdKUmRnYW9tdWs5OVFwZXVrTzhZRVBIVzNEbUlpZ3pndkZkMFlVRE53emtsaTFSaE1Cd1d1TnltNXRmWnZweXRpeVFCMkwtQmtLRWdLazF6V0N2SURvdVVoZ1BDNGNzWkgxWjM0VQ?oc=5) · Ticketmaster Blog
- 2025-11-21 [Richard Marx Shares “The Way You Look Tonight” - Shore Fire Media](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPMHFXM1IzMTVDYkpQc1FSLU1nSF9aN1A2amVrNDEyTVplNVdUV1VaSXlZNWx4UzltLWhTMDd5LWt6dWJJWmlXR3oyUGtqcjBsT2U0RnU4U192V0ZNbkNGNUpkR2ZlZ3hRc0I3TmtaX0R2RkN5S0E5SnlVSGhFRTRYcHNqV3JFakN2?oc=5) · Shore Fire Media
- 2025-11-22 [David L. Poliquin Obituary Nov 22, 2025 - newcomerdayton.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9CeFFfaDI0TE5TNTRaVFk3QkduYUpHSnFhS3ZMdXNkdUE4bUtGU1pDSXA3S2U4Q3JVak9aSFdfSlY2b2s5U2VqaW1OY3BwWnVsblQ4bkt1UG1BZ1ctRE1jNmU0UHAxVnM?oc=5) · newcomerdayton.com
- 2024-05-15 [Credit union opens new Dayton branch, another project on the way - WKEF](https://news.google.com/rss/articles/CBMioAFBVV95cUxOYmp2ZHRaQmItOXIwWGxmQl9sbWdZbUpqR0RjYi1XVDMzUG1tX1p2enJnRnV5Sml6bU1LTnpfQ2d4M3lFNWo4WFp1djFxaGx4U1pHelVQU21ranZUSXVGMUNPSGhCeXpOcndwZkczOU9oY19XbWtfRHVpMVlJNkh0TE9Xb0JnRFNmMGs1QjNaZ2Uzd2dadWdfWWlLS09JMThR?oc=5) · WKEF
- 2024-05-04 [Skimming device used on several debit cards at American Heritage Credit Union in Bristol Township, Bucks County: Police - 6abc Philadelphia](https://news.google.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?oc=5) · 6abc Philadelphia

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66066 (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/18.json (key "66066", 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=66066
- 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