# DYNAMIC
CELINA, OH · NCUA charter 6747 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/dynamic-6747

Who the members are: federal charter, community charter, organized 1950. 6,268 members of 42,737 potential (14.7% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $81.3M |
| Members | 6,268 (1.5% YoY) |
| Full-time staff | 15 |
| Net worth | $16.0M |
| Net worth ratio | 19.7% (p89 of band) |
| ROA (annualized) | 2.33% (p98 of band) |
| Total delinquency | 0.24% (p24 of band) |
| Net charge-offs (annualized) | 0.00% (p17 of band) |
| Loans / shares | 68% (p63 of band) |
| Cash / assets | 12.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.82% (p58 of band) |
| Operating expense / assets | 3.17% (p36 of band) |
| Vehicles % of loans | 43% (p53 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.24% (p29 of band) |
| Vehicle NCO | 0.02% (p36 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 22% |
| Average share balance | $4,976 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $13,585 |
| Loans granted, annualized | $19.1M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 1 | net worth falling | delinquency rising |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 1 | margin squeeze |  |
| 2021-12 | 0 |  | margin squeeze |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 0 |  | delinquency rising, assets shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-07-21 [Nicholas Frederick Giesige Obituary (2026) - Celina, OH - Cisco Funeral Home - Celina - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPU3BqbTdOLWhiUGpfQjZiSGxvNlVFRnJVeVlKcVRnek1hclNQWGRncWt3VU5Nd29GUTZXcVl3dGNfc0tZNEdpd3RvaG9qSzJPRWFhbXVqcVBUbEctTllMQXMtSkNZLVFNYUJhQ3dnLXFRTlR6VGZDc1lhaVVISzFkOVB2ekplZw?oc=5) · legacy.com
- 2022-11-16 [Liberty volleyball’s dynamic duo of Sarah Hart, Paige Coulson have Lions on cusp of state title - Baltimore Sun](https://news.google.com/rss/articles/CBMizwFBVV95cUxQRHhMc2U3SGhEbGhhU3hqMkJoZDhPN2RoZUZhUE8wd0c4NnROSlRjNlExeE9idmJjaGxRSTZjQnVLWndyZnV2OEhMQUdTTzFBZURRbnJmOF9Gd2hHOWpDU1hKOVlyWFptVV83Y3JIVVVCY0ZKZWI0b0JBd3oydmdQUDNIYkpieHEwcWpZRVFKanFsQ1BRMlRydjlvcUZHZThTRHRqM2tmai13eWVXZFo3c2ZyZmo4TnVHb08ya0lmVE9wMjRjeXJWYUxHemQ0WGM?oc=5) · Baltimore Sun
- 2023-05-22 [Dynamic Manufacturing biometric privacy $1.8M class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQU056YUlfRUliUlNpVEhvOXlSeUY2aXJJQXZqeV9UTGxiSVNsc09fdU8xNGQ4ajBNNHh0a3VBekpKcGZ5dE03OWJyWUs0V2xKWnVFdTZheThwelNXLXNGTEdna2NpT2VlbE5EajFXQUJOQ3lvanBBemRFaVdFYW9DY0RGR0dtdEtHU1dORk9hZmxfSGJ6XzZ5RWQxNTZxQ0tIQ011ZmtHTFRxLUtGZXBRajRpXzBHa3ZZbWpvaFA1NHJYeDk0Y1o2bWpmZmR4QW9Semc?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6747 (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/27.json (key "6747", 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=6747
- 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