# ALIVE
Jacksonville, FL · NCUA charter 67316 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/alive-67316

Who the members are: state charter, organized 1991, low-income designated. 18,605 members of 55,815 potential (33.3% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 112.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $294.2M |
| Members | 18,605 (-2.9% YoY) |
| Full-time staff | 56 |
| Net worth | $33.6M |
| Net worth ratio | 11.4% (p54 of band) |
| ROA (annualized) | 0.88% (p64 of band) |
| Total delinquency | 0.41% (p31 of band) |
| Net charge-offs (annualized) | 0.18% (p26 of band) |
| Loans / shares | 63% (p27 of band) |
| Cash / assets | 7.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.10% (p21 of band) |
| Operating expense / assets | 3.28% (p33 of band) |
| Vehicles % of loans | 45% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 65% |
| Third-party paper % of net worth | 157% (p73 of band) |
| Vehicle delinquency | 0.40% (p36 of band) |
| Vehicle NCO | 0.25% (p25 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 41% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 20% |
| Average share balance | $7,269 |
| Participations bought / yr | $18.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $35.6M |
| Loans outstanding per 100 members | 112% |
| Loans granted per 100 members, annualized | 252% |
| Average loan balance | $7,885 |
| Loans granted, annualized | $57.6M |

## Participation posture (from the same filings)

Bought $18.7M and sold $0 in the latest annualized quarter; $35.6M outstanding purchased (105.8% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 1.7% year over year.

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 2 |  | delinquency rising |
| 2017-09 | 3 | delinquency rising |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | net worth falling, losing money |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 4 | members leaving | losing money |
| 2020-12 | 3 |  | members leaving |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 | members leaving | net worth falling |
| 2021-09 | 4 | delinquency rising |  |
| 2021-12 | 5 | net worth falling |  |
| 2022-03 | 5 |  |  |
| 2022-06 | 4 |  | members leaving |
| 2022-09 | 3 |  | net worth falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 3 | assets shrinking |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 1 |  | auto monoline, assets shrinking |
| 2024-06 | 3 | net worth falling, delinquency rising |  |
| 2024-09 | 2 |  | net worth falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 | members leaving | delinquency rising |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | members leaving |

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

- 2026-09-04 [Alive Credit Union in review at Florida Blue’s tower in Brooklyn - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMisgFBVV95cUxNU1Frem1yd2FxNjdINEU2bGhZdDdUTmdnX3RLN0w0YWNwX2pIaE5HeE9BZnpMLXhfakhoZzBWVGh6TERUblJjakRzVWNhSE85MG5JX3FuYTBBaTNobVFHQVNsNS1yUFZENXJLVC1zWS1VTFFHUDgwUmRQa3RSMzc1RW1fZm1UOFNZcHp0RTlLQ2JzeTR3UXgxZnh4MC1YSHBHNm1fVGppVGJScUEzMjg5OU1B?oc=5) · Jacksonville Daily Record
- 2026-07-16 [Alive Credit Union Greater Jacksonville Kingfish Tournament - Clay Today](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPT3ZvaUgzX2FxX2RRX29zUmRiU2NOWHZZX0xqakg5MXliS21tZkpPd09GZDdnM3ByRGJiSF9oM2lFdGpfX0drOTI3TlV4cUhRU2M1NVRzb3RiYTJmM2JsMWtwRmZDaTg0bHB4bmRVZkZTdnpXWENNM0J0NzRLaG9SSmRYenBBaDFpWTRqWHRrTW9vTHVCdnNPNTRnNlBOd1ZBc2phRXJhQnFGUQ?oc=5) · Clay Today
- 2022-11-09 [Generation USA and Alive Credit Union Partner for Credit Union Member Services Specialist Program - newswire.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxOZUdvb1pLSnd2OFVROG4zT1o0aUhfQWRUVnpFOTRxMF8zVHZHaTZIT19Gak1pS3dNR2JpN2VUcmx5VldnalJycUU5WlVxQ3Y4Ty1ZNThXSk5xbzhaMjNzWHFadFRiWUZkRi10M0xpcll5QUJYWXNISjEtdE9uVXp0anpLa3hOdjFQaXJ2ekJRSTZOWFVNZVBwN3RUY0xXVDBYSDlOWU9UX1p4U1RH?oc=5) · newswire.com
- 2026-07-28 [Avenged Sevenfold Setlist: What to Expect from 2026 Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFAtY04yd2NldDhsemEzQ29ZeUJUXzhCWjRsY18yc3NiX0tmb3QydlRyMHJuUWtxTTYwbmExaUFYZVNHNk5xc3RReVZqYXR2YXhNdDZhOEMtU25qd1pKVWNzTk1ILUFHalk?oc=5) · Ticketmaster Blog
- 2026-07-18 [Greater Jacksonville Kingfish Tournament crew completes fishing double - The Florida Times-Union](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNVEhwNFBWZlVFUTk1d0VPVHA4ZnVrR0ZkZ1kzMWlXanhKX3cxR2xPX2g3TDVoZW9yTU5uQnBYbWNzeVBXaFI3bW52WDhEekpFTXBYLVFiNVhZMjNHLTh3LUdJYVc2WW5oY3dNOUo2SHdVa1o4WEQ1X1FDbEJpcDhhVTd2YzQ3TUE4bTFkMFd1UjB5WXdrcmFRQzcxTXpyWVRVVlBHRGxzWmZsNDQwYXZGUnlIdXp0UEFudEhjOWJuLXY5d09Ic1VhTGhLNlA0WE1EUkctVmlGU2R2ai1zTTU1X1d2MFVQTFU?oc=5) · The Florida Times-Union
- 2024-11-01 [Bold ATM heists: VyStar and Alive Credit Union targeted in early morning thefts - Action News Jax](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQZzh5cmVqRTMxSWphVUIzc3dmeWhUSXJoRF9sclVySHhONFg2VnBmMjFzNnpTV1ZMWVFxSFY4ODJmeDJQbDc0NUxnZUlWT0ZPMDRXdFJ2MXpsUHBsVlhoUkR2UVgwTldpWmc0T1pLcXlyVVc1NUs2ZEFvcllIYnJDcGFjZ3E3WmhLUlFGbDZCM3JsWFVET25DMjdMb0c4QTF5UmlCS0Z0TFhuclRoMHVMQ3o1TGR4WkRuS3RoTzBrOXZMa0NGWDBoV2hwYUtieEJfRzNsYXJJOA?oc=5) · Action News Jax
- 2025-03-22 [Fighting for Air: Jacksonville Community Raises Nearly $150K for Lung Health - American Lung Association](https://news.google.com/rss/articles/CBMie0FVX3lxTE5uSk16cHNkT19NS2N5UVNhV1NBLXg1cGZXMXVZUFVtX0l3X3JGenpXdThzaGZjQzRrSVdHbmZwd1RDYmN5TS13MWFCZkZxbGJ1ZldYV0F6V3BHQzJXeExDXzlBLUk0enYyZ1hCUHZfdXN2bGpaZmp0Y1d1OA?oc=5) · American Lung Association
- 2025-10-02 ['We want to keep these products alive': Local grocery store speaks out on current tariff rate hikes - firstcoastnews.com](https://news.google.com/rss/articles/CBMijgJBVV95cUxPMXNEN3hOTVEzX3JvTkNZWHRILXc5VXNVSlJHQkhJQm1xUnVraHJabHdZOURNdDlLSzRQOUZTM2dkdUZiamNfYWdLMEpwSjNmYUltMTFnaWxWRlhDMmZkbmc3bjV0WXBNc3JkSFRDalEwTW1CRlNZSDB4SnVlOFpEU3Jxcl9RcWR3cTBacWp4aGRXRkdCV2ttb1llUVFtSzJDRmRqQmh5RXRjcHF6cmFqUkNVWE5lRjJITUNoVHJQNzRWbGpEekN0SFFPcUhGT3Z1OWtFcDJIczEyY19waEY4MTlkams4ZlRGWVpMSnEyUU1ZU214ZG9SUTNaRmZBdnltUDM0QS1mNmhvUE9rRmc?oc=5) · firstcoastnews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67316 (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/52.json (key "67316", 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=67316
- 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