# DAY AIR
Kettering, OH · NCUA charter 66835 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/day-air-66835

Who the members are: state charter, organized 1944, low-income designated. 53,982 members of 100,000 potential (54.0% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $892.9M |
| Members | 53,982 (1.4% YoY) |
| Full-time staff | 113 |
| Net worth | $129.5M |
| Net worth ratio | 14.5% (p91 of band) |
| ROA (annualized) | 2.20% (p98 of band) |
| Total delinquency | 0.86% (p71 of band) |
| Net charge-offs (annualized) | 0.64% (p70 of band) |
| Loans / shares | 94% (p90 of band) |
| Cash / assets | 7.8% |
| Borrowings / assets | 2.80% |
| Net interest margin | 3.38% (p44 of band) |
| Operating expense / assets | 2.77% (p15 of band) |
| Vehicles % of loans | 45% (p82 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 90% |
| Third-party paper % of net worth | 231% (p79 of band) |
| Vehicle delinquency | 1.23% (p85 of band) |
| Vehicle NCO | 1.33% (p69 of band) |
| Repossessed % of vehicle book | 0.88% (p99 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 75% |
| Core shares % of member funds | 34% |
| Certificates % of member funds | 23% |
| Average share balance | $6,620 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $50.1M |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $20,495 |
| Loans granted, annualized | $248.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $50.1M outstanding purchased (38.7% of net worth), $34.5M sold and retained. Sold in 7 and bought in 3 of the last 8 quarters. Shares 5.0% year over year.

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | loans>95% of shares, 3rd-party paper>100% NW |  |
| 2016-06 | 3 | auto monoline |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | loans>95% of shares |
| 2017-06 | 3 | delinquency rising |  |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | auto monoline |
| 2019-03 | 2 | auto monoline |  |
| 2019-06 | 2 | delinquency rising | auto monoline |
| 2019-09 | 2 | loans>95% of shares | delinquency rising |
| 2019-12 | 3 | repo signal |  |
| 2020-03 | 3 | net worth falling | loans>95% of shares |
| 2020-06 | 2 |  | repo signal |
| 2020-09 | 3 | delinquency 2x band |  |
| 2020-12 | 3 | delinquency rising | delinquency 2x band |
| 2021-03 | 4 | charge-offs p90, repo signal | delinquency rising |
| 2021-06 | 1 |  | net worth falling, charge-offs p90, repo signal |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | repo signal |  |
| 2022-06 | 1 |  | repo signal |
| 2022-09 | 2 | repo signal |  |
| 2022-12 | 3 | loans>95% of shares |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 6 | net worth falling, delinquency rising, leaning on borrowings |  |
| 2023-09 | 5 |  | net worth falling |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 | net worth falling | delinquency rising |
| 2024-06 | 4 |  | net worth falling |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | leaning on borrowings |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | loans>95% of shares |

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

- 2026-09-04 [Day Air Credit Union to Host College Prep Night at Day Air Ballpark on September 9 - MLB.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxQN3FfMnkwb2J3azRTODVrX1U0R0pTMTZSNXg4eDItbHdMTEtQbDBpYkZXU19ZVk9VZldPTkh2ZW9ZWWRySkFNSWxPRndIRENvT3hGR3RoWnlTWS1aVlVTaDFrSHktWldZRmxNUWtmUmg4MmgwaTFmN0FURjBTYWpvZThLOHNTd0E0c01RNzNQT0FPWVhrOU5IU0ZtcFBLNS0zUVFoTFZobFU1YUVFOFBpTjNZOHpudw?oc=5) · MLB.com
- 2026-04-20 [Official Dayton Dragons Website - mlb.com](https://news.google.com/rss/articles/CBMiRkFVX3lxTFB0M0xYVklIY0t2bFVqa1JGeU5GTDZZWUtqRkxGTDFNd0hzMFdsSG1BUnI3cVZaUGNyenRXWVN3ZXBmVERwZEE?oc=5) · mlb.com
- 2026-04-04 [Day Air Credit Union to build new locations at 2 former Frisch’s sites - WHIO TV](https://news.google.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?oc=5) · WHIO TV
- 2026-02-27 [New Day Air Credit Union branch could replace old Beavercreek Frisch’s - wdtn.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNSkQ0bXd3bElNM0R6Ym5QZVpGOFBOSTlrb0JlQkZGQTZIZF9ObDR2U05BSnFsZWU5ZnZMOU9senJqa2J3U1BqUFpyT2xKZ0kwTVdWc3BDa3hIQ3B3Qk1HWllLcmZIRE1lZlktaUJfSDlQWEozcEJGVXd0SmpGbGRwN0ZmMGZkM2xzVDlZMmxfNGd2RVc5VXgyR21R0gGfAUFVX3lxTE1TTGZENTdZV0VRNHd4bERJblpKVGkwTjlTT09BSUFQc2xlOUhMR0FnQ3lNcVZnSmJBMGhZUkk5Q3d4SWt2cDFmWUVjNUxTM19OWEZacE55UjVYN0Rndlg0RHFvN05sMjNtRWQ4OE5wMnI0ZkxkMGxueGpwSERmem9tTE5PdEY0c19YU0NUMEh4dVJyb2pxT0xwM2h5NTdVRQ?oc=5) · wdtn.com
- 2024-06-05 [Robin Diana Grimsley Obituary - newcomerdayton.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE5jRWZuLXVPV3pjSGQ5REZxZVpvNzZ6bk9CRzJkQ0l5NWduZlJzQXh1cDUzaFY1M1MtLXJ2YXppeDMxZ2hNUFhVdm9EOVNZLXlVd0J0VFpQWHl4QWZqZEtDUTl1ZmdvWl9LbTJ0UlNlTQ?oc=5) · newcomerdayton.com
- 2020-01-29 [New for 2020: Day Air Ballpark - Ballpark Digest](https://news.google.com/rss/articles/CBMid0FVX3lxTFBIbUt5N3J1SVBITDFRRFJyVFBlTUlPUWZiRGY5eV8tVXBIaUliOExOeHdnbmZ2S0k2cHBDSnpGSmk5Q2p1QnRNVnpIMXFsWVhWS3lhTTh5c0Z5MmExdkFkZEN5VDBrOFpqOTF6SHA3eEFTMmUtYk9r?oc=5) · Ballpark Digest
- 2026-09-04 [Day Air Credit Union to Host College Prep Night at Day Air Ballpark on September 9 - MLB.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxOU3A4eUVIQnlkaW0wRnNZY0xSbTc0VWZEcjczeXZEdWljN0c1cEE5WnFsSXRucHdPQXpjLW9zZ3U1elFWOHA4N3ZSUEQ1TmM5a1J1eHZseUI4UzB0N0xvYk1SVUMzRWFMZVlqNlpBY3ZQRmtPSFZOSlNzVEhQaEp6TnN4MExsZlBmZnhXam12UFBCa09vZHlOUEtLeVVWWk5nTnduRGprVHJvUnI4?oc=5) · MLB.com
- 2021-09-29 [College Prep | Dragons - MLB.com](https://news.google.com/rss/articles/CBMiWkFVX3lxTFBGZGVRempSREdlSTNCelFXbzdOOTg2S3lPTVpWajdScm9HY0JuYnEwNXBHNHFIdU9hbi0wSkxhRkIzakdTMGlUN2VXMHZQT0lEbDRxQ2hBdC0tZw?oc=5) · MLB.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66835 (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/19.json (key "66835", 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=66835
- 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