# HEALTHSHARE
Greensboro, NC · NCUA charter 66317 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/healthshare-66317

Who the members are: state charter, organized 1955, low-income designated. 5,727 members of 11,000 potential (52.1% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *ordinary*. 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 | $50.2M |
| Members | 5,727 (1.5% YoY) |
| Full-time staff | 12 |
| Net worth | $6.8M |
| Net worth ratio | 13.5% (p58 of band) |
| ROA (annualized) | 0.70% (p51 of band) |
| Total delinquency | 0.26% (p25 of band) |
| Net charge-offs (annualized) | 0.48% (p70 of band) |
| Loans / shares | 90% (p96 of band) |
| Cash / assets | 10.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.43% (p87 of band) |
| Operating expense / assets | 4.76% (p84 of band) |
| Vehicles % of loans | 25% (p21 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 18% |
| Third-party paper % of net worth | 25% (p70 of band) |
| Vehicle delinquency | 0.97% (p69 of band) |
| Vehicle NCO | 1.43% (p89 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 67% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 19% |
| Average share balance | $3,762 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 67% |
| Average loan balance | $14,303 |
| Loans granted, annualized | $10.3M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)

## 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 | 2 | net worth falling, losing money |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 0 |  | losing money |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | net worth falling, auto monoline |  |
| 2019-09 | 0 |  | net worth falling, auto monoline |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, delinquency rising |  |
| 2020-09 | 0 |  | net worth falling, delinquency rising |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | delinquency rising |  |
| 2022-06 | 0 |  | delinquency rising |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 3 | loans>95% of shares, leaning on borrowings | assets shrinking |
| 2023-09 | 3 | net worth falling | delinquency rising |
| 2023-12 | 2 |  | net worth falling |
| 2024-03 | 3 | margin squeeze |  |
| 2024-06 | 4 | delinquency rising |  |
| 2024-09 | 1 |  | loans>95% of shares, margin squeeze, delinquency rising |
| 2024-12 | 1 | delinquency rising | leaning on borrowings |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | assets shrinking |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 2 | loans>95% of shares |  |
| 2026-03 | 2 | delinquency rising | loans>95% of shares |

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

- 2025-06-18 [Vizo Financial announces board officers following 2025 annual meeting - CUInsight](https://news.google.com/rss/articles/CBMirwFBVV95cUxPZmFoY0lYWXY0Y19RTWJuVFZ5TGc1YnlQLXI5dkQ2SFJxb0czYWMyb1VGaHJHaWZuMXVRaGtxanZ3elJIa1lhYkhIR1NwYmRYdlJWeEZuY2RyYUJfajNIcklsVGFoUHF5cC1DaHJhcF9SbVhHWEs1d1F2SGtNOXdMNk1sbHFWeEltbzJVeHRFcXByVDNMd1hOWEkxdmFHNGlucGUyRUVjSWpVUlVjRTZj?oc=5) · CUInsight
- 2024-03-11 [Cone Health’s Michelle Adamolekun Named to Prominent List of Women Leaders - conehealth.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxPRWVtbHNMTFFtMlp4TUFsRVdrZG9ZRGVSMFNuQWZqQ3VDVFVvdDFOb1lJT1ZxeHV6ZjNoSGYtdlhfTDd0Xy1MaGZPd1I3STdGbHJvam5nNGEzQlpNR0NtSl92UnRLRVMxQVJyTkNOaVREVG91Z3h4ekc5ci16Y0psbmZkUDBla3dYRXRvdUt5ZGFqU1BremhlVEp2a2FKOWNTWktIcFJBRWlmTnR0VWhnOVR2UktmcHBmblVGS25mVUJSOGJlejZ3?oc=5) · conehealth.com
- 2013-08-30 [Hello, My Name Is… Truity, Bankwell, Ion, Align, Sage - The Financial Brand](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPRWxQQjgtSFd5YUxrNmZYVWlWeVk5UEJ4X0hJYl8zajgtVDFtdWxtMFo0SXZ6eDZxanVyVnVKVDBfNWdTd3pMZl9mdHNnY3dfSzVWSHp5SjIwNUdBS2Q0WHpTNUZoTTFPUWdyVlFTMk1jcFNxUWZfck9Ob0FoNVg4Mmpwd0xWY2R6d0xlZnJGWHNCZFJuM1czTjZUMzNpZDlWVWZEbWFYRlI?oc=5) · The Financial Brand
- 2024-02-13 [Cone Health’s Michelle Adamolekun Makes Outstanding Women in Business List - conehealth.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxOUHlOLTFYVnZPVVJINXlRdlQtTWM3QVJyWTNyczFtTGRNblZfVXp1Ty1vYnRGM2xzejBMZ2FnckZWT29YMnZnVDlnQ09hdDJaTUhZRnF1REpyVmoyMk9pYS0zY09tTkZRN2hYdnRFM3pmRFhpbTJCbmhaTlZYcDAzV1BmdWRDQmw4aG1lb2I2cFExVTg4UDRoMGZfdFVNZVpvQ0VSQkRJOG1qTnlPNmFrQnNxeTIySnc0SHAtd3lORUVRYXJqYUE0?oc=5) · conehealth.com
- 2020-09-02 [LaVern Wilson Delaney, MSN, MHA, MBA, RN, NE-BC, a Registered Nurse with Cone Health Alamance Regional Medical Center - Issuewire](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPUGtzZHRhb0RxVk9TdkVfQ1hhYm9uS3ZuNW5nNjQ4Ynk1TGdzRC1LeU5haDBTQUNaanB2Y2VKN2FqbXlwbGtYbFdwRjVYMXJzVzFOQW1XcmlVYmJONGhPbzFfV3BINnR0eTI5N0RfdDhTUVg5ZUxJTk5pQmxtTGx5SDZxVUwxV085RWZ0SmtJWkJKbmc1Z3htbEp6b1YyblRMTjRJRzdudFZSX2g1M0ZDYmxKemVzX0xFOUZZNzdoMkNIVWkxcE5QVU9qOGdaaWY5UWttWkFwT0dqTmk0V2dtR196X3VhcGR1TEE?oc=5) · Issuewire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66317 (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/13.json (key "66317", 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=66317
- 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