# GREATER CLEVELAND COMMUNITY
Cleveland, OH · NCUA charter 66860 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/greater-cleveland-community-66860

Who the members are: state charter, organized 1937, low-income designated, minority depository institution. 2,965 members of 1,264,817 potential (0.2% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $9.1M |
| Members | 2,965 (-2.2% YoY) |
| Full-time staff | 6 |
| Net worth | $1.8M |
| Net worth ratio | 19.9% (p74 of band) |
| ROA (annualized) | 0.03% (p25 of band) |
| Total delinquency | 4.12% (p91 of band) |
| Net charge-offs (annualized) | 2.12% (p94 of band) |
| Loans / shares | 77% (p78 of band) |
| Cash / assets | 30.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 6.69% (p98 of band) |
| Operating expense / assets | 10.55% (p98 of band) |
| Vehicles % of loans | 49% (p34 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 3.67% (p91 of band) |
| Vehicle NCO | 3.29% (p96 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 46% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 11% |
| Average share balance | $1,473 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $3,943 |
| Loans granted, annualized | $3.5M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, expense trap, charge-offs p90 |  |
| 2016-06 | 3 | delinquency 2x band | charge-offs p90 |
| 2016-09 | 1 |  | losing money, delinquency 2x band |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 4 | net worth falling, delinquency 2x band |  |
| 2017-09 | 2 |  | net worth falling, delinquency 2x band |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | net worth falling, delinquency 2x band, delinquency rising | members leaving |
| 2018-06 | 3 |  | delinquency rising |
| 2018-09 | 1 |  | net worth falling, delinquency 2x band |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | net worth falling |  |
| 2019-12 | 3 |  | net worth falling |
| 2020-03 | 3 | losing money | delinquency rising |
| 2020-06 | 6 | net worth falling, margin squeeze, charge-offs p90 |  |
| 2020-09 | 6 |  |  |
| 2020-12 | 5 |  | delinquency 2x band |
| 2021-03 | 3 |  | losing money, charge-offs p90 |
| 2021-06 | 5 | delinquency 2x band, charge-offs p90 |  |
| 2021-09 | 6 | loan book shrinking |  |
| 2021-12 | 5 | delinquency rising | net worth falling, charge-offs p90 |
| 2022-03 | 6 | charge-offs p90 |  |
| 2022-06 | 5 | members leaving | loan book shrinking, delinquency rising |
| 2022-09 | 5 | assets shrinking | margin squeeze |
| 2022-12 | 5 |  |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 4 |  | members leaving |
| 2023-09 | 5 | delinquency rising |  |
| 2023-12 | 5 | loans>95% of shares | delinquency rising |
| 2024-03 | 5 |  |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 3 |  | assets shrinking, loans>95% of shares |
| 2024-12 | 4 | net worth falling |  |
| 2025-03 | 6 | margin squeeze, loan book shrinking |  |
| 2025-06 | 5 |  | net worth falling |
| 2025-09 | 5 |  |  |
| 2025-12 | 7 | net worth falling, assets shrinking, members leaving | margin squeeze |
| 2026-03 | 5 | margin squeeze | loan book shrinking, net worth falling, members leaving |

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

- 2023-09-19 [‘Hidden gem’: Greater Cleveland Community Credit Union helps people access banking services from basement of City Hall - thelandcle.org](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPbWdUdEp5NFNIS3VGZVJ1MU1ISDZ1UEVMOXV2cHJIcXdvQnlIV2FpLXAweU56ZndwX0hYYURUR1ZuODZ5MFZna1FlZnhQeWg3U3lSRXBVSmdDWTRLY3VuSVE4R29yOWY0N21sQXdqRTNFamRsTm9GWVlza2RfbVh6VUtZMmkzTjBBUHIxODlyakt5dHBtUXRpRW0xX3dZSXpiVkxfa3dSRXFEeU8yeVpHZmJIWDNJUm02Q200QkZZRkdkZ0o3TTNud2ZxRjdBRk1JbmRNQlpFUHBUdzVNMDFmZg?oc=5) · thelandcle.org
- 2022-03-04 [Obituary for Gloria F McClendon - Gaines Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE95SkZzVi1UeVJFRzFlQVc3dWtHcU1EbnVVVnYxcGphOHVQY0hDR0xHelBGMDJUYzFhUTNTQmhpRFEzZE9xaXJ4c1ZPVUEyRzZyVkR6OWpTaDgxWldJQWZVUFhiblpKRUVHVzJv?oc=5) · Gaines Funeral Home
- 2022-06-17 [Catholic Charities’ general counsel honored by CMBA as volunteer of year - Catholic Diocese of Cleveland](https://news.google.com/rss/articles/CBMiywFBVV95cUxNV2w3RXVPQWdMNWZ5VHNBSzhwbEdnUDBjaVJZM1pnTGNkbllXbHlwOXo3SzdWd2NjcE1wak9TUmRyMWVIZVFFanVOUW1QVXhLcUJRZTRDTHJ5M1Zodm9udjhwRnVpLVJZT3JITWttVmJ2RUowSUlLSmx2cHN6ZGxsbW5wbUtEQnJTN09kcTBCVFdUVGhJZTE4WHhZd28tZFZkRVVFa0RDOTJkZ0hGWGhDZGZYeGVpU2MxbWtzUnNXYVZxdG9rNzFTZ1U2RQ?oc=5) · Catholic Diocese of Cleveland
- 2018-08-21 [How would you ease the credit union compliance burden? - americanbanker.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxOU1RkcXJQNE5wTWc1N29jeGI0c1ptUWhlMjhXRjRjY3Y5OFlRVndhRlFDVzg1ckhDUVNvTUFvOGplckZNNjRoQnlpMXZmWE5fSXdOVk1UVzFsQkxuZnc2M2xtcEtJQUR3ZkJVallRay0tZXdscGxkV28zeWltcnQ4NTRwOEphdU13enpZbWhCOWxNc3FfVmNWN1Y4LVN2UUNfVkVORg?oc=5) · americanbanker.com
- 2014-03-12 [CLARENCE JAMISON Obituary (2014) - Maple Heights, OH - Cleveland.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQaUxjVm1DNEh1c3hoTlJpMzJJYnZVTnExY1J6ZDVXQ2pEc1NiMU9sek9wLXZZaWlRQmFqOXFzWVVkbWdGMXBoTTZCcHZXY0Y0eWRMRkV2MzlmZE1fYUVhbllLelVvYndnQzIyQkRrTHdnN2dyWnM1cDZtWjlxZEFtYWxRQjFTVjZZSHlmUFc2QXRjX2xiOHVMdUZR?oc=5) · Cleveland.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66860 (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/44.json (key "66860", 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=66860
- 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