# CS
Catawba, NC · NCUA charter 66856 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cs-66856

Who the members are: state charter, organized 1986. 2,841 members of 5,000 potential (56.8% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 70.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $31.5M |
| Members | 2,841 (-0.3% YoY) |
| Full-time staff | 8 |
| Net worth | $5.7M |
| Net worth ratio | 17.9% (p66 of band) |
| ROA (annualized) | 0.43% (p43 of band) |
| Total delinquency | 0.09% (p25 of band) |
| Net charge-offs (annualized) | 0.06% (p56 of band) |
| Loans / shares | 62% (p56 of band) |
| Cash / assets | 17.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.59% (p38 of band) |
| Operating expense / assets | 3.47% (p45 of band) |
| Vehicles % of loans | 55% (p41 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.11% (p37 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 13% |
| Average share balance | $4,964 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 70% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $8,215 |
| Loans granted, annualized | $3.9M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | members leaving |  |
| 2018-06 | 1 |  | members leaving |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 3 | delinquency rising, assets shrinking |  |
| 2019-06 | 2 |  | delinquency rising |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | assets shrinking |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | charge-offs p90, loan book shrinking |  |
| 2021-06 | 3 |  | net worth falling, loan book shrinking |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | margin squeeze |
| 2022-03 | 0 |  | delinquency 2x band, charge-offs p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | losing money, assets shrinking |  |
| 2023-06 | 1 |  | losing money |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 2 | delinquency 2x band, delinquency rising | assets shrinking |
| 2024-12 | 1 | members leaving | delinquency 2x band, delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | members leaving |
| 2025-09 | 1 | assets shrinking |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | assets shrinking |

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

- 2026-02-27 [North Carolina High School Boys Lacrosse Rankings 2026 - HighSchoolOT](https://news.google.com/rss/articles/CBMilwFBVV95cUxQREt4R19PVk5RZzFPNkZOU1Myb2NZM19CZ05kLXdNa1pQMnBBYkVqU3gyaFY1dTZBUllkYkF5WlhQc3JzU3l3QWpESWZpRGZPMThyWTFrNXhCdXBPT0tPZjJvNk9TbF9PMlRmNllHLWgyRGNqZFQwSXJFaERtcWRvRzJ4VmM1NkJFSmRBV3FsbWF2b3p3R18w?oc=5) · HighSchoolOT
- 2026-04-06 [Spiritbox & Suicidal Tendencies To Open For Metallica This November - The Nu-Metal Agenda](https://news.google.com/rss/articles/CBMilgFBVV95cUxPWFFlNjJDb2kxek9GWC1zWGVfMjIwa3N2UVM4OF9Yck0xdUtwcS1CMG5iRFdZMFBXVUVvTzZ3M1JzS0tKc19CbHNoSExjSWNnYnBiQUFwY3pKR2QyS3VRZGFDcEpPNWluYWVDTEloTURxSXBGQmdyM0VjZVBBUUt5VE1XU1MxUEJ6T2kxVjlWOHBOdDlFM1E?oc=5) · The Nu-Metal Agenda
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2025-04-11 [America's Best Regional Banks and Credit Unions 2025 - New York - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxQeEk3TUd0LUd6YTZiZkFaSGpRRzdDVHVzUWdsaDJuUzVmSHBBV1I4X2dQTHh1ckdQWklQdnpzMDh3UHBkaE9RQTBNV1piUUJQYWkyVXVUd2k1dGpncWpQTHR6Qmp4UGZKSENYNWx2MkxueTJIY3I3S01JQWlnbnhsQXNsSFgxRnl5b1VXdnBTSQ?oc=5) · Newsweek Rankings
- 2023-09-29 [North Charlotte: Hispanic Heritage Month Highlights - City of Charlotte (.gov)](https://news.google.com/rss/articles/CBMinAFBVV95cUxOSmJkNmMzVkVQOGpDUjV2T1BSbURxTzVUemg2dWJlTWZtOUdJNktkNDVrVl9LOFdqVTFQdkIzNG1IZWtHbzdzcnpydmdLQXFVX3lpLWVaSGZSbEVBNnZXUUhzLUowTkt2eHJFallacXB6cEFqX00wWHQ4d3pqdjZBUnFGdUJ2TDhSZldEbXBLbkF2Rl91cUdHZUtGYzY?oc=5) · City of Charlotte (.gov)
- 2019-07-27 [Richard Muse Obituary - Raleigh, NC - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5qWXZwQjBKeWZqRFRtR2dfcUgtaE1FNEhCUDdSNWdPdjZCdzFVRlR4WnZtZTZudUpfRUlwRkZZTldGSkEwZzVoZnA0WFVoWVZZN1htbkcwbHVYOHB1MW5IRFZfNUhpU2NiWXVPaUJ4RVFoZzctdWxweElES0xuVVU?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66856 (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/40.json (key "66856", 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=66856
- 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