# CONNECT CREDIT UNION
Fort lauderdale, FL · NCUA charter 67342 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/connect-credit-union-67342

Who the members are: state charter, organized 1909, low-income designated. 5,092 members of 1,874,577 potential (0.3% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 2603.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $102.9M |
| Members | 5,092 (-5.3% YoY) |
| Full-time staff | 21 |
| Net worth | $13.2M |
| Net worth ratio | 12.8% (p64 of band) |
| ROA (annualized) | 0.81% (p57 of band) |
| Total delinquency | 0.77% (p62 of band) |
| Net charge-offs (annualized) | 0.39% (p56 of band) |
| Loans / shares | 86% (p84 of band) |
| Cash / assets | 9.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.77% (p58 of band) |
| Operating expense / assets | 3.35% (p39 of band) |
| Vehicles % of loans | 74% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 218% (p87 of band) |
| Vehicle delinquency | 0.99% (p70 of band) |
| Vehicle NCO | 0.78% (p65 of band) |
| Repossessed % of vehicle book | 0.24% (p88 of band) |
| Real estate % of loans | 13% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 25% |
| Average share balance | $10,213 |
| Participations bought / yr | $22.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $28.7M |
| Loans outstanding per 100 members | 2603% |
| Loans granted per 100 members, annualized | 884% |
| Average loan balance | $581 |
| Loans granted, annualized | $51.0M |

## Participation posture (from the same filings)

Bought $22.1M and sold $0 in the latest annualized quarter; $28.7M outstanding purchased (218.1% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 2.1% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 | charge-offs p90 | delinquency 2x band |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 | members leaving | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 | net worth falling | charge-offs p90, members leaving |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 1 | charge-offs p90 | delinquency rising |
| 2019-06 | 1 | delinquency rising | charge-offs p90 |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | net worth falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | auto monoline |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | 3rd-party paper>100% NW |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 3 | members leaving | delinquency rising |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | members leaving |
| 2025-03 | 4 | delinquency rising, repo signal |  |
| 2025-06 | 3 | members leaving | delinquency rising, repo signal |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | delinquency rising |  |
| 2026-03 | 3 |  | delinquency rising |

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

- 2026-07-31 [Connect Credit Union Taps Appli to Launch AI-Powered Lending Calculators for Florida Members - FF News](https://news.google.com/rss/articles/CBMitwFBVV95cUxOdlpBT3J3TUlPb1BPTlRybDBwR3ctU2RzaVRYczg2Q19VdW1kYWx5bVFaVkpmT2Njem02QTkzT3ljLWs1d0FpdENGLVllUE5ZdFRkQk1RVDQwY0FvbXZiLUNidXBfSG1Uanp0a3NjTGRkb3VTSU9pVXhPbHNteUMxWFhfT29KbTdzY3BpMW13Y0ZDZHl3ZkNELUtTNVdsbTRHLUN5YjFMTEVJaGxtSW9XMnhrdnlkRkE?oc=5) · FF News
- 2026-07-31 [Connect Credit Union Selects Appli to Bring AI-Powered Calculators to Newly Redesigned Website - EIN Presswire](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNM2xad2RKUGNXMHFlc29TODk4RXNxSU94RmZlQ1BFeTd0NHRVS21RdDgwcGY2U3YzUDlsXzJpZFktMHN0VU1JVUtaOVY4Z1FYa1RTWkM0TjBVY2lHZkRxR0VNUjdVZ0hPZ01XWXRkMjIzZjRWWFJ6LU5LSThMQkxtb2JEWjJFSjhxYTRJa0xoQTVDSjBGU0ptTjV6aEFNUWJxVUxDYVRMZG1ib19xZFF6dXhiVk9CYU5vdzZuNlU4UVZPTUFvcjNITktnaV82WHNkMVpYd05Nd1I?oc=5) · EIN Presswire
- 2026-08-19 [Reseda Group Invests in Goodbuy to Connect MSU Federal Credit Union Members with Local Small Businesses Through White-Label Community Commerce Platform - citybiz](https://news.google.com/rss/articles/CBMimgJBVV95cUxQSTJ0NkhQM1JaV0hTaVd2eEZyajNMNmU0NXhTd2VRRGpWaG9XRE9uRlNBWEFZZlJHM2lRX0NrdGhMdWJWcXlHalZLZ09CS2l3OUxxaHQzVXlmcnc1YXRCUE1WU1BPcDNBYmdpcXdxSXlvLUFNMVpsTWxHZUx4YzBqT2c1Skk3MzFtUHU2a2pPd3ZvdlA0V0pGLWtVaVFoeDY3LWdES1JsYl9RU0tIc21fNjc5MndWTnN5Z2ZDbTB3THdvNzZ0V0ZqT0FKRzRhX2UxRWExOVBuVTNNMkhYMlVtVFZmR3p6T2g0dnJHdmp1d0NldTN4bTNpOXN5RGVoRjRJX1ZVSjB5QWtJQloyX3R1OEVJaWxwWkwtNUE?oc=5) · citybiz
- 2026-08-03 [Fintech Rundown: A Rapid Review of Weekly News - Finovate](https://news.google.com/rss/articles/CBMie0FVX3lxTE1UTHZjVnJlVTFHcVBlZXZfeWtueHhzS0FOOXoxMzhTX25KZ0dfN0NrOU9VZG5JQmtCa1Y4UU9DSUo2UnJHcGZUaU5kYThkRDVtaWZsUjVvMzVTdGpkWHpIWFZzXzA5OEM5eUpxcGs2bUN1VzZiRTlpTFlGQQ?oc=5) · Finovate
- 2026-08-03 [Jim Ryan named senior vice president at VyStar Credit Union - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMirAFBVV95cUxPS05IRGxZQ1ZWLTRQcWJPc0paM1hCMjVRVE81YVYwcHBicGRJbzVrckpRS2V2c0NNT2kyNHlJTC1kMEN5YnRCWDRxUGQ3VFhha0J2SXRua3FzU3M4ZWZaSnZKalJFWXoyeW4wMlpMS2lGajlmMVNrMVJRaTRTeVdMa1hhcmtGRVpRVGxqdkxzX25hTnA2c2o2bVljeXp6SnQ1VUE3Smw3RGV5bzZZ?oc=5) · Jacksonville Daily Record
- 2026-03-17 [The League announces 12 emerging professional network LEADs - CUInsight](https://news.google.com/rss/articles/CBMiogFBVV95cUxOX1JyV0p4d2E4T0dZaEFSRnplQmZnOFN2WTRsR0VDSEF3MWJiUUtoajU1V3V3ZlZ2V3JKc0hJTlRGODlLdUJwVWV6RHRMbVNvQkthWEJtWU5Ba3lBVW9hU0k4UXF6ejk3SzNEQzd3cVNGZ3NNU2lpRXJsSDRMQ0VHS2tJb0k3c01uTUF0bmdyX24xSUp5T0N4ZElwQUJHQlVWZEE?oc=5) · CUInsight
- 2026-08-24 [&Barr takes SCCU Watchdog to new grounds - marketingreport.one](https://news.google.com/rss/articles/CBMijgFBVV95cUxQR3g2akx3OV9pNlpza0h4SXlvM0pqOXJUSG1ybWV5bWJ5N2tQZC1sbjhBcnpORmd1WHBiNUZlamZQc0FMZE44a2dOU3Q5d1pPWGtRc3h0OV9MX2M5UUc5eGZpQXMycnhFcWpGclVEYlBOVldFWGNNNEVtNDhKT0lQTXVvQlZCdkl4UFRvdzN3?oc=5) · marketingreport.one
- 2026-08-28 [BoardroomPR Wins Bernays Award for Best Social Media Campaign from the Gold Coast Public Relations Council - USA Today](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPUXRiSDVVbEhGa1hVbHFPZlN3NEE2SjR2bmNQN1BhdFpOUTNjYTh5bDJFdmU0R2d2U2JlVUVaVG03UEx6MTdNOVE2V0dKWnZWd0dsTGx6clFCQW8zU0NMYzJyM3htd2NndzE5Q2VDTmRVVENBMGxBTGN6OVU5Y1RrMDJSRGRlTnREZjRlay1Hd0dEREN2cEdvTUo0S1VnXzV2UXRnTkM3UG5fNWZrQUlUazFydjBqQzZGRDhxVGtScmwtR2NXUTc1ay1MSFVIbTRBTWRnWGlVbUZDOVBHdk9wNHNfcjlMUzBzd3FidnphYw?oc=5) · USA Today

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67342 (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/14.json (key "67342", 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=67342
- 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