# JAX FIRE
Jacksonville, FL · NCUA charter 67717 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/jax-fire-67717

Who the members are: state charter, organized 1933. 2,379 members of 44,621 potential (5.3% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 4766.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $41.6M |
| Members | 2,379 (-8.6% YoY) |
| Full-time staff | 0 |
| Net worth | $5.3M |
| Net worth ratio | 12.8% (p37 of band) |
| ROA (annualized) | 0.70% (p56 of band) |
| Total delinquency | 0.14% (p28 of band) |
| Net charge-offs (annualized) | -0.02% (p18 of band) |
| Loans / shares | 47% (p34 of band) |
| Cash / assets | 33.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.96% (p53 of band) |
| Operating expense / assets | 3.75% (p54 of band) |
| Vehicles % of loans | 74% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 99% (p97 of band) |
| Vehicle delinquency | 0.06% (p34 of band) |
| Vehicle NCO | 0.74% (p84 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 92% |
| Certificates % of member funds | 4% |
| Average share balance | $9,966 |
| Participations bought / yr | $2.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $5.3M |
| Loans outstanding per 100 members | 4766% |
| Loans granted per 100 members, annualized | 1875% |
| Average loan balance | $149 |
| Loans granted, annualized | $6.1M |

## Participation posture (from the same filings)

Bought $2.9M and sold $0 in the latest annualized quarter; $5.3M outstanding purchased (99.1% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -10.6% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2022-03-10 [Dashing in a winter wonderland - The Florida Times-Union](https://news.google.com/rss/articles/CBMilwFBVV95cUxNY0twNkpxQWRhSnRQZDI0OVJGTDI5NGEyR05JYnhnaHJjR2RiX3NRMHQwQ3gwLVZpMFgwbVlxZTE3SUF6WE9kLWtzOWpFWDIwdzJnOUd0cXhfYkhOQmk2eHNlTzRYYmFxanBoREY1OXAxcWlxcDR6SGFuajFFTE4wNWRnZmtBNC14cmRHZkdaZGdnR3BrTDZJ?oc=5) · The Florida Times-Union
- 2022-01-22 [NAS Jax families enjoy tree-lighting festivities - The Florida Times-Union](https://news.google.com/rss/articles/CBMivgFBVV95cUxOYVIwckdqeTVkOXVRdzZBSmlnMnJyQVV5YzlZQWFKdWJYNURQSDgwX3pWNV9WNzl2S3lNNzJXeV9ZMzc3dU5OWkgyQVNHOW1vNjNVXzdYY0thWnJZTmRIZE0yOE5Ub1F5S2N6MWVMaVo2Yl9zZk12T1hVeTIwbUFSTFBsY215dzhoTldMNXl5cTRua3hQS3A0SUZKQjhkTk8xN281TFhvYS1Bb3NDdlFQTlozN0V3eHlyVzd1OWVn?oc=5) · The Florida Times-Union

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67717 (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/5.json (key "67717", 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=67717
- 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