# WEYCO COMMUNITY
PLYMOUTH, NC · NCUA charter 66324 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/weyco-community-66324

Who the members are: state charter, organized 1959, low-income designated. 5,691 members of 490,264 potential (1.2% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 52.

**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 | $114.6M |
| Members | 5,691 (3.7% YoY) |
| Full-time staff | 22 |
| Net worth | $11.4M |
| Net worth ratio | 9.9% (p27 of band) |
| ROA (annualized) | 0.24% (p20 of band) |
| Total delinquency | 2.28% (p95 of band) |
| Net charge-offs (annualized) | 1.07% (p90 of band) |
| Loans / shares | 66% (p42 of band) |
| Cash / assets | 33.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.96% (p13 of band) |
| Operating expense / assets | 3.19% (p33 of band) |
| Vehicles % of loans | 21% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 5.05% (p99 of band) |
| Vehicle NCO | 2.47% (p94 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 71% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 36% |
| Average share balance | $7,065 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $5.4M |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $23,019 |
| Loans granted, annualized | $18.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $5.4M outstanding purchased (47.5% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 3.4% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | losing money |
| 2017-03 | 4 | losing money, charge-offs p90, members leaving |  |
| 2017-06 | 4 | net worth falling | charge-offs p90 |
| 2017-09 | 3 |  | net worth falling |
| 2017-12 | 4 | assets shrinking |  |
| 2018-03 | 3 |  | losing money |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | assets shrinking |
| 2018-12 | 1 |  | members leaving |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | assets shrinking |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling, losing money | assets shrinking |
| 2020-09 | 2 |  | losing money |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | net worth falling, losing money |  |
| 2022-06 | 2 | delinquency rising | net worth falling, losing money |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | net worth falling | delinquency rising |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | net worth falling |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | net worth falling, delinquency rising |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 | members leaving | delinquency rising |
| 2024-12 | 2 |  | members leaving |
| 2025-03 | 3 | members leaving |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 1 |  | members leaving |
| 2025-12 | 2 | members leaving |  |
| 2026-03 | 1 |  | members leaving |

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

- 2025-12-19 [Pirate Football And Military Bowl Coverage On WITN - WITN](https://news.google.com/rss/articles/CBMiggFBVV95cUxPNFhMRko5OUZmNDkydUM1Ny1lYlhFM2tEWS1EeTFwY3N4bnlxRU1jRkJIak5qUVhKRTBOUUprbGxQeThRWjNmZnpyLVplcjNma3p6Q2pGN0tkeWkwRENyY1pvLWs3dUVTYTF1ZC1LSTZCQlZtc2ppdzhUd25pQm13eHpB?oc=5) · WITN
- 2025-08-04 [Drug charges prevalent for defendants in Martin County | News - reflector.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPNjByZG9BSXRENkFHempQNDdEdUZ5S1I4OFpQR3ZyV2FMUWFTN1V0Nl9UaFlyX0Vsem5KMC1hcjRKd190SzFJVWhBYlNKWE9KSk1rV0pfaW5PanpraFlTeVAyNkJjZ0ZCT0Z3OGIzZ1h3VWM0bGdjXzctbGlISk96dFBIaV9Vem1Kd0tBTmZiX053bXZvUlFqYXFFSmxZaHlmazV6NmNLVXVpb0JoSE50UUgxV1ZzYmZqRm13dzZSX3hhNDdOV1hqY3VSV0ZZQ1JLcHdMRkJUTmQ0RFJISzNEWWNaay13c2c?oc=5) · reflector.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66324 (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/20.json (key "66324", 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=66324
- 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