# HOOSIER UNITED
Indianapolis, IN · NCUA charter 67648 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hoosier-united-67648

Who the members are: state charter, organized 1931, low-income designated. 3,283 members of 17,000 potential (19.3% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 39.

**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 | $37.2M |
| Members | 3,283 (-1.7% YoY) |
| Full-time staff | 6 |
| Net worth | $4.8M |
| Net worth ratio | 12.9% (p37 of band) |
| ROA (annualized) | 1.12% (p74 of band) |
| Total delinquency | 0.67% (p51 of band) |
| Net charge-offs (annualized) | -0.13% (p10 of band) |
| Loans / shares | 34% (p17 of band) |
| Cash / assets | 69.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.52% (p74 of band) |
| Operating expense / assets | 3.18% (p37 of band) |
| Vehicles % of loans | 73% (p69 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.76% (p59 of band) |
| Vehicle NCO | 1.29% (p89 of band) |
| Repossessed % of vehicle book | 1.60% (p100 of band) |
| Real estate % of loans | 5% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 8% |
| Average share balance | $5,853 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $8,388 |
| Loans granted, annualized | $3.6M |

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2025-10-17 [Hoosier United Credit Union’s David Brokaw receives Leadership Achievement Award - CUInsight](https://news.google.com/rss/articles/CBMivAFBVV95cUxQQ2JTZ2lad2E4SWNfd0dlVTZValczRlFMcTNZdk84MEZXTEs5TUk0V3VDQmZkZWJqUGFwUEZFeUVVVms3dVB3UmxnRVdqLThhdHBiWmd0OFRQbWx2SWFzd2g5V0lhdDE4Y3E4eE40WGgxaThadjBFM3ZNY3JVUzhra0FYLWQybWgwZ3ZsTDNBWlNCbFRHNTRTWW0xOVl6NF90RzRVS1BmVkR3dVBfR1d2ZGJZY0R3N21nM1RYTA?oc=5) · CUInsight
- 2022-03-17 [Doig/Bergengren established credit union celebrates 90 years - CUInsight](https://news.google.com/rss/articles/CBMiowFBVV95cUxQOUdJUzBkUFRLOGQ5RkxFTWFiRlBGcnZnTW9rTm1NT1VPRDRLMWNlV05nNHB4Q095UzFCcFN1VDJ1YV9vQTBpbWwtdzZxdXh2R0g4Y2h4YnNPRlpfR0FVdF9sZlFlWTNXcmtHNTUxeTRBc3dMdHNjTERNdzRoeWpnNzNFR3lkc3huMFUxQVc2bThJX1NHQk52QVRlUDc5OWVoYjNZ?oc=5) · CUInsight
- 2022-06-08 [Here’s What Latest Disclosure Forms on Proposed CU Mergers Reveal - cutoday.info](https://news.google.com/rss/articles/CBMipAFBVV95cUxNUFJ3ZmoyelRvWDZJX0tZTzlTNlVpeWdocFY0OFp2a0J1R09sQWNHLW4wZWlVMnJXOVhVd3kxZFNYcG9aLUF5TmJCZ0QySk9FUDgzemJCN0xlT0RtbXVETWhDZjBkQ01YWU0xWHNFRG44R1k1ajYtcXlTbDBKWHJ0NTJpVEVJdlM1azhNbHVVRkVHcjhnMXNnY3hFUXBnaFBObHUxRw?oc=5) · cutoday.info
- 2022-10-19 [Hoosier United CU’s Jeanna Richardson receives Emerging Leadership Award - CUInsight](https://news.google.com/rss/articles/CBMisgFBVV95cUxNVzNGT1Z1bFBINGRJNFRMcElDSTh2Y2tmR1JRQnVvaFFrSGhfUDM4TndkNGFQLUZNLVpiZ08xNTdOejBWQ21lRjFJbG9qN3p2akVuQUhxMjlVMkV5eVFsbXZFVDN1YllUNVJ5WS1TWks0TmpubC1ZbkkyUWotWlZYVjlrckxKNk5GeFVwS25DTGl6V0t6SzZYaTdkTXBnNnBDWWNWMmhoLThGeDVnUElpVHBR?oc=5) · CUInsight
- 2018-09-01 [Indy Labor Fest marks the weekend - IndyStar](https://news.google.com/rss/articles/CBMivgFBVV95cUxPVG8wb3QxWmhwcElxRFpDQ2Q5eDg1a19aU2hxaGlyZ1BrYzR4X2VkZ3k1WXdEWnBNNWVkNnUzQTdMMXF1SjRrUGZZYUlsMTNtWmJ2S0psbjBlVkxtdG5SVng5RFBSMHZxNnFYS0RPZzhCa0xDTjVBRFloczJ0X0NDeVRZNWNJQ2pnZzQ4V1BnckpEOEc4cTFvNkhJV21jU1ZkU2tMbmh0bmJFUHpoWktiSkZsemRfYTJWR1Q1NmFR?oc=5) · IndyStar

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67648 (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/0.json (key "67648", 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=67648
- 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