# L. E. O.
Painesville, OH · NCUA charter 66329 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/l-e-o-66329

Who the members are: state charter, organized 1985. 1,521 members of 8,000 potential (19.0% of the field); checking penetration 19% (share draft accounts per 100 members); loans per 100 members 43.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $10.4M |
| Members | 1,521 (-3.8% YoY) |
| Full-time staff | 4 |
| Net worth | $2.5M |
| Net worth ratio | 24.4% (p85 of band) |
| ROA (annualized) | -1.82% (p7 of band) |
| Total delinquency | 6.16% (p95 of band) |
| Net charge-offs (annualized) | 1.75% (p92 of band) |
| Loans / shares | 47% (p34 of band) |
| Cash / assets | 10.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.79% (p46 of band) |
| Operating expense / assets | 4.71% (p74 of band) |
| Vehicles % of loans | 73% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 6.93% (p96 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 15% |
| Unsecured % of loans | 23% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 41% |
| Average share balance | $3,778 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $5,624 |
| Loans granted, annualized | $770,164 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | delinquency rising, assets shrinking |  |
| 2017-06 | 3 |  | assets shrinking |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 4 | assets shrinking, members leaving |  |
| 2019-03 | 2 |  | assets shrinking, members leaving |
| 2019-06 | 2 | assets shrinking | delinquency 2x band |
| 2019-09 | 2 | delinquency 2x band | assets shrinking |
| 2019-12 | 3 | net worth falling |  |
| 2020-03 | 1 |  | delinquency 2x band, net worth falling |
| 2020-06 | 4 | margin squeeze, delinquency 2x band, loan book shrinking |  |
| 2020-09 | 3 | net worth falling | margin squeeze, delinquency 2x band |
| 2020-12 | 5 | assets shrinking, members leaving |  |
| 2021-03 | 5 | margin squeeze, charge-offs p90 | net worth falling, assets shrinking |
| 2021-06 | 5 | delinquency 2x band | charge-offs p90 |
| 2021-09 | 4 | assets shrinking | loan book shrinking, margin squeeze |
| 2021-12 | 4 |  |  |
| 2022-03 | 6 | losing money, delinquency rising |  |
| 2022-06 | 7 | net worth falling, charge-offs p90 | delinquency rising |
| 2022-09 | 6 | delinquency rising | net worth falling, charge-offs p90 |
| 2022-12 | 5 |  | delinquency rising |
| 2023-03 | 6 | expense trap |  |
| 2023-06 | 5 |  | expense trap |
| 2023-09 | 4 |  | delinquency 2x band |
| 2023-12 | 5 | delinquency 2x band |  |
| 2024-03 | 5 | net worth falling | members leaving |
| 2024-06 | 7 | delinquency rising, members leaving, loan book shrinking | assets shrinking |
| 2024-09 | 5 |  | losing money, net worth falling |
| 2024-12 | 5 |  |  |
| 2025-03 | 4 |  | delinquency rising |
| 2025-06 | 5 | delinquency rising |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 4 |  | loan book shrinking |
| 2026-03 | 7 | losing money, charge-offs p90, assets shrinking |  |

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

- 2026-07-22 [Do Good For Dayton July Winner: Joyce Swiadek - WKEF](https://news.google.com/rss/articles/CBMitgFBVV95cUxPTzVSV1lfYzVWTVBWVmE0SjZmRnp4ejdVMzFGWTVtZ0FVTFRobC1TT3BVVXFDeHJGcWQzTW4tZXBuaTUzR21Pd1BMRnBtam5HQ3RNekpQM2RDRVlDNUI5TExyeWd5UFFCWmVDM3IxMEltaVgtQXZLVmNDbl9mMmxGdWxqWi1uSkJRSm8weC1KRXYwaTNqckZpcllfQ1lBUkxzY3dtTkRmSllWNkpPdWk3U2xFSl9CZw?oc=5) · WKEF
- 2026-03-09 [Basketball and local scores for the Southland, Aurora, Elgin, Naperville and Lake County - Chicago Tribune](https://news.google.com/rss/articles/CBMitgFBVV95cUxNby1UNEVfUXJTTzQxQm5SdGZZNGRJdFh3NVVXdGs1TlNBd21mWU1jQ1NBNjFsVXl0bFVNV2lKQ1plWGZXRU5wTWxiNXFvVkNzUWxLWm03YWcxaE9QMTB2b09XcGJ0bVdtelRaZmlsMDFQQm1CUHZvWnM4b2dTLUVsQ2lkV0Q1MlVkek9fV2pJR3FuN2lzQldQM3BtMFNjVnpfbmI2TGRXcVRqaU1WRGdBaW15bTVnQQ?oc=5) · Chicago Tribune
- 2024-11-08 [Tribute Wall | Leo Bader Danforth - Restland Funeral Home, Cemetery and Crematory](https://news.google.com/rss/articles/CBMickFVX3lxTFBEVHhnYkFLQjdhMVFTR1h6OGRMVjN2aWRnVnpiZkxVeFV4aXNwbDctTTBpWE5zdWEzTlF0LVd2M2lsT3VLekxwWGdlX2NnTU9mRE85cVZxeUpSRU1sMmQ0MElkbTA4cjFFWFZPSmo4RVJaZw?oc=5) · Restland Funeral Home, Cemetery and Crematory
- 2021-10-10 [James HAYDEN Obituary (2012) - Toledo, OH - The Blade - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPbW04YTNQcVB3RUFLRmhsZkR3SG1vR3FoT3FfdWxOcHBGc29oY2xEU0ZoMWM4N0xYUHNCXzFzUVBKMjBwYjRqRXVheDJ2WTdhRUtXTzlwdEZGcU1oTm5XUWplN25GcFdqUTNQbGpEWW9PLVRTbUZfbkRqbTVWUnZjSUd4N0RyUWlEYjRVeDkxRWI?oc=5) · legacy.com
- 2016-03-02 [JOHN E. SZAKAL - Cleveland.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPaER3VUhtOW1XUGF2enM3STNDd09GRjhhSVltVVJzcUlhWE52TUZCbU9fbjl6OGZfcUpHVFY0ZnRGenM4QjkwREFxNjhod3ZOM2k1S0pET1NmeVNhc0xSM3ZFODdpZVY3SU8yYnRvMlNteXhLQ2QxRWVyclNoUnUzdGVpbTRmbklfNjBSdVdFMExqTEk?oc=5) · Cleveland.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66329 (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/25.json (key "66329", 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=66329
- 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