# INSIGHT
WINTER SPRINGS, FL · NCUA charter 67344 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/insight-67344

Who the members are: state charter, organized 1991, low-income designated. 42,981 members of 6,383,907 potential (0.7% of the field); checking penetration 85% (share draft accounts per 100 members); loans per 100 members 22.

**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 | $659.8M |
| Members | 42,981 (-4.3% YoY) |
| Full-time staff | 132 |
| Net worth | $65.3M |
| Net worth ratio | 9.9% (p40 of band) |
| ROA (annualized) | -0.11% (p4 of band) |
| Total delinquency | 1.12% (p83 of band) |
| Net charge-offs (annualized) | 0.85% (p82 of band) |
| Loans / shares | 63% (p13 of band) |
| Cash / assets | 13.4% |
| Borrowings / assets | 3.03% |
| Net interest margin | 3.03% (p23 of band) |
| Operating expense / assets | 3.62% (p54 of band) |
| Vehicles % of loans | 33% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 34% |
| Third-party paper % of net worth | 153% (p64 of band) |
| Vehicle delinquency | 0.99% (p76 of band) |
| Vehicle NCO | 2.50% (p90 of band) |
| Repossessed % of vehicle book | 0.07% (p55 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 235% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 18% |
| Average share balance | $5,897 |
| Participations bought / yr | $42.6M |
| Participations sold / yr | $0 |
| Participations outstanding | $203.1M |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $38,032 |
| Loans granted, annualized | $69.1M |

## Participation posture (from the same filings)

Bought $42.6M and sold $0 in the latest annualized quarter; $203.1M outstanding purchased (310.8% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -3.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | losing money, delinquency 2x band, charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  | delinquency 2x band |
| 2016-09 | 4 | thin capital |  |
| 2016-12 | 4 | delinquency 2x band | thin capital |
| 2017-03 | 3 | thin capital | losing money, delinquency 2x band |
| 2017-06 | 3 | delinquency 2x band | thin capital |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 8 | thin capital, net worth falling, losing money, delinquency rising, members leaving |  |
| 2018-06 | 6 |  | net worth falling, delinquency rising |
| 2018-09 | 5 |  | thin capital |
| 2018-12 | 3 |  | delinquency 2x band, losing money |
| 2019-03 | 2 |  | charge-offs p90 |
| 2019-06 | 1 |  | 3rd-party paper>100% NW |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 5 | thin capital, net worth falling, losing money, margin squeeze |  |
| 2020-09 | 2 |  | thin capital, net worth falling, losing money |
| 2020-12 | 1 |  | members leaving |
| 2021-03 | 3 | thin capital, net worth falling |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 | delinquency rising | net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 | net worth falling | margin squeeze, delinquency rising |
| 2022-06 | 3 | delinquency rising, members leaving | net worth falling |
| 2022-09 | 0 |  | thin capital, delinquency rising, members leaving |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | delinquency rising, members leaving |  |
| 2023-06 | 0 |  | delinquency rising, members leaving |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | losing money, assets shrinking |  |
| 2024-06 | 6 | net worth falling, members leaving, leaning on borrowings, 3rd-party paper>100% NW | assets shrinking |
| 2024-09 | 4 |  | losing money, net worth falling |
| 2024-12 | 3 |  | leaning on borrowings |
| 2025-03 | 3 | losing money | delinquency rising |
| 2025-06 | 4 | net worth falling |  |
| 2025-09 | 4 | assets shrinking | net worth falling |
| 2025-12 | 4 |  |  |
| 2026-03 | 5 | net worth falling |  |

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

- 2026-09-02 [Florida Gulf Coast Eagles vs Stetson Hatters | January 9, 2027 | NCAAB Matchup - theScore](https://news.google.com/rss/articles/CBMicEFVX3lxTE1MaExzOVk5Sm5lSUNUSmtpUXNGRFFNQlFwcFRxaEJHRWJSZ1pKYzVwOE51Q1RBSzFGVzJJZEptQUJ5Mkx0d0xiS003QnBPQWZqaGdGNl9EWVdfRWVQbnhaMExUbVZxUFpYd2VUVUNYWUQ?oc=5) · theScore
- 2025-11-25 [Early run fuels Raiders to Tuesday night road win - Wright State University Athletics](https://news.google.com/rss/articles/CBMipwFBVV95cUxPRVdxOTQ0dnYxZ1YyS0pkU3dRVGtfT0t2V01XWmJ3SWlMcjRHaDZIRkczS0VxMnVaM1lUYUNYQTliUFlvUVNKTHhwdzhLWWhtR05PbGRxNE44UjdILWFRT3dsQUk1VmFaYlhkZFN3bTB2X3FzNC1seU1OQmE1V1dFZDJHREx2amxSengwTnJfVkhUandCNTVmWXhtZy1rXzdGVC1KNnB1dw?oc=5) · Wright State University Athletics
- 2025-10-28 [Space Coast Credit Union opens first Orlando branch - CUInsight](https://news.google.com/rss/articles/CBMilwFBVV95cUxPMm5VbjA3OGdHQTl4Nk1SUnJyTGxEeTBfWEFiTm5yNmg2WUFTaGNqdHptOU1vUktHdldrekZRY1RUODczblNTQlFEQkJsZlRHNF81WEZ1U0pjcDRoWDVsRXBuamt4a3h2MTFPQnNPbnNWUk9sRXE5bVNWVjQ1WFN1Q3JIRmN2LVQ1Mi1Bb0VBMG5KLXJaVk9J?oc=5) · CUInsight
- 2024-09-03 [Stetson, Insight Credit Union reach naming rights agreement for arena - Spectrum News 13](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPUDN4ZkZYTjNHUGVtQW5uX3ltRi1yUHdWVUdhQmQ0Wll1NXZ4OVNaZGViMnljRW5YSFFxbHFGZmNVUFh2SHNFTUdyUU1rUXdlRXVObW9FX0tTSWhYbkFRdzVkMHd2MDN1VXVWNG1LZ1huWEZFT2ozTFJxVnVadXYyTDhGZVEzbjdxMExBX2dvcHpISjc1OWF1Skt4ZDllajRiV3ZHRWM1Y3F6MXRQcDNZMWFFU3lXdC1EN0p3?oc=5) · Spectrum News 13
- 2024-09-05 [Stetson, Insight Credit Union agree to multi-year naming rights partnership for campus arena - Stetson University](https://news.google.com/rss/articles/CBMiywFBVV95cUxOcTZMVnZEa0pXZG90aDNrYUN5cEZtY0xpaTdUa1JIbFRBQ09PSm41Q2J1SVhxdHZEYVljTDVpZDg5eF95LThoTk5JVFJPRmZvYTB5eEh5d0N2Sjd0MkhXOVd4c05aVDAtSS0zdFZLWUIyWnc2VzY0R3BNS3dIMGgzVUFEZXozOVNtQ1duQWM2MU9HMnZXZU5aSktuVTJvQmMybmpKVy14Y3dRbkRJS2JjRjJ5SkRqcWVqcHBldGJwbGYzX3RUUmdxU3dVWQ?oc=5) · Stetson University
- 2026-09-03 [Jacksonville Dolphins vs Stetson Hatters | February 25, 2027 | NCAAB Matchup - theScore](https://news.google.com/rss/articles/CBMiV0FVX3lxTE5BdHZOZHN4RnF1SU1NUE5WYURUN2tUOFJmcnhLUmp3Zk0wRjNwQWhFY1gwZGM2X2xhZHpOU1R5YXV1YW9ZTktnd2EtYUNLU0xZWFVRWHc0Yw?oc=5) · theScore
- 2022-03-16 [Insight Credit Union celebrates new Ocala branch opening - CUInsight](https://news.google.com/rss/articles/CBMingFBVV95cUxPYmdBaGxCRHRNMWZ1bWozak9tTVk0TjZrbVFZeFNMWklpajgwUlN5dG5BM0lpa1NKa3ZMb2puWnZpNjBIekNEaXJQQzlHcXBZVWhWajF3YWNNUmwtdmRvcmdEZTlLVHdrM25LajVLRUtJeEQtRWhFSHRVeWZZSHFWQXYyZVV4RkZyTG8wLXpYOFZQalh0ajJvLVlhaWxsQQ?oc=5) · CUInsight
- 2026-03-19 [Power Financial Credit Union voted Best Credit Union in South Florida - CUInsight](https://news.google.com/rss/articles/CBMirwFBVV95cUxOS3RFdnhQYmgzMTU2RndrMFk1NkVnY2QwdHlCbkFHcnRfZ09qWnZuT3NPQkxjdmNVVHc0bHpCT0liNmxvOGRHM0Vubm9KOHdVNHZHVjlyUkFsYXdjUHdDcndtRkRsVkZCV2pPOUtRY0pCaDlMdXlTa19NdnRBOFlRUWtNdWc5T1JUMGVoSWxJTDJJaU1oRjVsS0s0RGIzRldKTFNOcGpkYlVfRFBXNGNN?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67344 (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/16.json (key "67344", 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=67344
- 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