# CITY-COUNTY EMPLOYEES
CLEARWATER, FL · NCUA charter 67323 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/city-county-employees-67323

Who the members are: state charter, organized 1941, low-income designated. 3,958 members of 19,227 potential (20.6% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 2166.

**Verdict on the desk:** this could be *auto monoline*. 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 | $42.2M |
| Members | 3,958 (0.8% YoY) |
| Full-time staff | 8 |
| Net worth | $3.5M |
| Net worth ratio | 8.2% (p6 of band) |
| ROA (annualized) | 0.81% (p61 of band) |
| Total delinquency | 0.31% (p37 of band) |
| Net charge-offs (annualized) | 1.02% (p86 of band) |
| Loans / shares | 66% (p62 of band) |
| Cash / assets | 35.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.49% (p73 of band) |
| Operating expense / assets | 3.95% (p59 of band) |
| Vehicles % of loans | 63% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 98% (p97 of band) |
| Vehicle delinquency | 0.46% (p50 of band) |
| Vehicle NCO | 1.21% (p88 of band) |
| Repossessed % of vehicle book | 0.18% (p94 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 26% |
| Average share balance | $6,210 |
| Participations bought / yr | $3.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $3.4M |
| Loans outstanding per 100 members | 2166% |
| Loans granted per 100 members, annualized | 1147% |
| Average loan balance | $300 |
| Loans granted, annualized | $11.6M |

## Participation posture (from the same filings)

Bought $3.0M and sold $0 in the latest annualized quarter; $3.4M outstanding purchased (96.8% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 2.1% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 3 | net worth falling |  |
| 2018-03 | 4 | members leaving |  |
| 2018-06 | 2 |  | delinquency rising, members leaving |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 2 |  | delinquency rising |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 4 | delinquency 2x band, delinquency rising | net worth falling |
| 2021-03 | 3 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2021-06 | 3 | delinquency rising | charge-offs p90 |
| 2021-09 | 4 | delinquency 2x band |  |
| 2021-12 | 4 | net worth falling, charge-offs p90 | margin squeeze, delinquency rising |
| 2022-03 | 4 |  |  |
| 2022-06 | 4 | delinquency rising | net worth falling |
| 2022-09 | 3 |  | delinquency rising |
| 2022-12 | 3 | 3rd-party paper>100% NW | delinquency 2x band |
| 2023-03 | 4 | delinquency 2x band, delinquency rising | 3rd-party paper>100% NW |
| 2023-06 | 4 | net worth falling | delinquency rising |
| 2023-09 | 6 | thin capital, losing money |  |
| 2023-12 | 6 | assets shrinking | delinquency 2x band |
| 2024-03 | 8 | delinquency 2x band, repo signal |  |
| 2024-06 | 6 |  | net worth falling, delinquency 2x band |
| 2024-09 | 3 |  | losing money, assets shrinking, repo signal |
| 2024-12 | 6 | net worth falling, repo signal, loan book shrinking |  |
| 2025-03 | 5 |  | repo signal |
| 2025-06 | 4 | repo signal | net worth falling, loan book shrinking |
| 2025-09 | 4 |  |  |
| 2025-12 | 3 |  | repo signal |
| 2026-03 | 2 |  | charge-offs p90 |

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

- 2026-05-26 [The Credit Union Impact Foundation announces 2026 grant recipients - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWU1lcXlRT19fLXU3QUM5d0hkWFVHTjFrZkwwZU8yTVdGay02cXUyeGx3MG9qUE8yQUgzSlg1bHAtMExCaDZjYmpQZGVpLWxBY0hfbGJtdklFdGxndUtOSXU4ZXhCdVRfZGdic0VyLVdKYlZGNUxQY2VEa2hQSlZSWVZPMzZaM1RDS05USDEzLUJNSUFicHREWXVTblhHaFE2enlLZzNWaG1hY2c?oc=5) · CUInsight
- 2026-04-17 [USF credit union was the fastest-growing in Tampa Bay last year - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxNVUZsVzNBVkVHQmRKRDRBOGp1Sy1udWJCeTVYNEJzZ3FnUVo4a1RXMFk2VG5ad2tWdVFicVY4RDh3M28yeVpBMHZXXzBBUFlYRlJiYjQybXExVEtsN1laYlAtWUdLQm4wOXlOYV9SUGdyNXN6OGhnYUVmRmFMSmtyWW1td3NGdGtubUJwRmZEQS1HMXMx?oc=5) · The Business Journals
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - imore.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · imore.com
- 2018-09-26 [Two Clearwater employees arrested in unrelated cases of stealing from city - Tampa Bay Times](https://news.google.com/rss/articles/CBMiywFBVV95cUxQY1E1QUVGeE5pX09YejlUaTZ2Z2p1WjR3WmcxbDhZcTN2T3lJVWlWQks1cUw0ekl4V0xFeHYzazgzSGc0aVRNZmN1RDRzdVpHX3BQdjRnOExUc0JabXdrRlZJVlA1Y09GazlneUNNR29LUTk1WDZTU2E0cWg0ZERCWkN3NElYZV9CVnVqNllxbzdwS0t1cFdzYUotT1RZUEU5aXFEVHlwZXZEb2p1ME9HanB4dHZmRmJCRHdzWnJhVWV1Z3VvaHN3bTVUWQ?oc=5) · Tampa Bay Times
- 2024-07-09 [Jodi May Jones Obituary | A Life Tribute Funeral Care - Largo | Largo, FL - Tribute Archive](https://news.google.com/rss/articles/CBMic0FVX3lxTE9UdllJZS1IM2hyOXlwSFJHa0tDWnNxNkFHMWZRVzYwS0NWTkpLZGxQY3pubmpNSVFRSEJoN0hTWC0wWjBmS1ZqM1Y1NHZzZFBSaTdjUEJaS1U1U0c4OVpQWms0N2w0OThSNjRsWFBxLWdGUzA?oc=5) · Tribute Archive

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67323 (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/59.json (key "67323", 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=67323
- 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