# OCALA COMMUNITY
Ocala, FL · NCUA charter 67938 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ocala-community-67938

Who the members are: state charter, organized 1953, low-income designated. 2,552 members of 116,674 potential (2.2% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *ordinary*. 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 | $49.1M |
| Members | 2,552 (-5.9% YoY) |
| Full-time staff | 9 |
| Net worth | $4.9M |
| Net worth ratio | 9.9% (p16 of band) |
| ROA (annualized) | 0.21% (p33 of band) |
| Total delinquency | 1.27% (p67 of band) |
| Net charge-offs (annualized) | 1.57% (p90 of band) |
| Loans / shares | 32% (p16 of band) |
| Cash / assets | 14.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.91% (p16 of band) |
| Operating expense / assets | 2.57% (p21 of band) |
| Vehicles % of loans | 43% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.42% (p83 of band) |
| Vehicle NCO | 2.48% (p94 of band) |
| Repossessed % of vehicle book | 0.08% (p92 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 13% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 17% |
| Average share balance | $7,666 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $9,596 |
| Loans granted, annualized | $1.1M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## 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 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | net worth falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | losing money, delinquency rising |  |
| 2020-06 | 2 | net worth falling | losing money |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 3 | margin squeeze, members leaving |  |
| 2021-03 | 3 | net worth falling | delinquency rising |
| 2021-06 | 1 |  | margin squeeze, members leaving |
| 2021-09 | 2 | margin squeeze |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | delinquency rising | margin squeeze |
| 2022-06 | 3 | thin capital |  |
| 2022-09 | 1 |  | net worth falling, thin capital |
| 2022-12 | 1 | thin capital | delinquency rising |
| 2023-03 | 1 | charge-offs p90 | thin capital |
| 2023-06 | 0 |  | charge-offs p90 |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 4 | net worth falling, losing money, delinquency 2x band |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 6 | thin capital, members leaving |  |
| 2024-12 | 2 |  | delinquency rising, net worth falling, delinquency 2x band, thin capital |
| 2025-03 | 2 | loan book shrinking | losing money |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | assets shrinking |  |
| 2025-12 | 2 |  | assets shrinking |
| 2026-03 | 4 | delinquency rising, charge-offs p90 |  |

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

- 2025-07-22 [Ocala Community Credit Union Partners with InvestiFi to Offer Crypto Investing for Members - ABF Journal](https://news.google.com/rss/articles/CBMiugFBVV95cUxOXzRMZUJMaFdFUU1YckUzbXRLZ2gyeDR2RGVMY2ZBV1dnNW1uQV9nekpDVXhfTTZMYzdVRkFEdjVQNnpGSEd0STRCOWhiSVh2UlZZcUo4bkpqcTlwVmFObEE4cnNIVUJNd3JHUGVmcmJGMzZSNUU3cnltNHhCeTB4NDZaT1FlQWhXRE5tYVJZTlRGclp0MmE5dW1jSU55Yk5iaWNwSDJ0clUxbDQ2OWFNY3NxMW1lSkZUd2c?oc=5) · ABF Journal
- 2025-08-05 [InvestiFi Brings Digital Investing to Illiana Financial - Finovate](https://news.google.com/rss/articles/CBMigwFBVV95cUxPdzByUlhWY1phZzZ3ZnE1R05FMm5pNFlRbURMYXl4Ti1pU01lY2VSRDlXeDd1UUhBblVuXzJsNVhtUVhQQ2lBR3ZVWEhmcDZlb3RtQVlCSDR0Y2ppMEpOMGxRSjFCRzhtMVdKQXkwQnlQaWxVLW1OcDRBZGx5bTctTTFTSQ?oc=5) · Finovate
- 2025-07-23 [InvestiFi, Florida credit union partner on crypto trading - americanbanker.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNUGFIcjE1ZnJtREstRlpYa3ZmMVRMM1ZEcXhNbURYU0Zna3ZxRUNmZGoyS1ljaE9IVW4yTkRoVk1fOUhsMzNIRjZWSTNoQkJYMlFvSWxXNS16aWdRWmduLUdDVkRMMDdyMU9lRG83R0JZbF9iT2lxdXFWNmNYZHN1N1Zva1FTVmQ2MUM1Y1kzRzdtbDR6OWpTZmMwOHZSUHZlOWRmWjRkUUc?oc=5) · americanbanker.com
- 2015-04-24 [Ocala Community CU Pays Tribute to Scotty Andrews - cutoday.info](https://news.google.com/rss/articles/CBMilgFBVV95cUxOaEwxZ01IRl8yQi1xT25kR0V4ODQxS29FXzR5WlI0NTNZQ3hsdkZoU1o2NFNiamJIU19tcnJLQktaSGRwWmJLOXJkT3ZqRHBrNUY2UFJQanhyNW9KbmpzN09kWGZMT3piNlBZZ3VrbDhmSXRHdWtTNk1fSHlwbHNlNy1fVTF1NGpHOGdPUlE4SmJRcG9QZVE?oc=5) · cutoday.info
- 2016-08-01 [News and events related to business and industry - Ocala StarBanner](https://news.google.com/rss/articles/CBMiwwFBVV95cUxONnd5WnpNdFlBQ21OaVZZb3dsbUdFQVl6MU1SbkVyNmdnV0JsdjdobDQtNTdJdU5EVDJkanRTNmw5WjZ1WVJndlpZdWp1LTNxN284QzRqSUtPb01wVDd3a2FiWDdsR3N5bkJDZFBYYmt4RW1kVmQ5aHVMWUZoVGEwRHQ4UWtYQ3hJOXRwc256VFlOZTRiWW5xOGRfMEFNRGJ1d0lWVFRaNlJ2UnVZcEZnZlBlSnhZczJnTnFSMTFKcFQ4WnM?oc=5) · Ocala StarBanner
- 2019-09-25 [Credit unions go shopping - Florida Trend](https://news.google.com/rss/articles/CBMieEFVX3lxTE5mNFNVV3FpcDI0QWxrQThHSU5PUC1rakxIY2gzOFhHV1V6ME8tS3JjMjhoaDl5TjV5bkoyZnFuMmlQamgzODR5dHJRXzJJYnNOZkdEQlhNREV2eXRvaXo5VFNMRlk0NFBkUU96RXk5a3J6ZlNudk9KQg?oc=5) · Florida Trend
- 2025-10-16 [Ocala and Marion County businesses celebrate at the 2025 Community's Choice Awards - Ocala StarBanner](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPejdzZDZJMTRLLTAzay1BR3VwRU5LM0ZiM1lSdjRWQTE2YXJQM0tLM05aU2VoVWkwc3ByYXowSUpwd2EzRU03WTZhdVpIb1otejRMak5kVG0zLWRKYTFLdG4zTHNjeFlKVnRGRzJPS0tJZXdzRG03UUc0S3F3QVoycHBHREpIeEN5bWtGZWxoOHJGWUVBbWdLRFRNX1dRd3pOUHMtcWVOaEc0cjBFYlNNTU80YnhBVjV5aVdHcXh6dlN2dw?oc=5) · Ocala StarBanner
- 2017-10-31 [CU on Halloween: Credit unions in costume - americanbanker.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxONVpFazc5VVNfUUVTeENvYWtReG9nM1ljNFhkaFBUWXFLTUx2d3NEM3BuSDJ0a0lBWG1tSWxmTDNEVVZZRFJUaFhuTy1NeGZIWGNlZUtEazczcWdZN05mclp6dU5Ec1RFOERGdFdyMTd6Z0hhSHNXS0psU3RFQkF4dFFTSkZaenpjMHhoWC1WZi1EUmkwTnVvdm9R?oc=5) · americanbanker.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67938 (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/34.json (key "67938", 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=67938
- 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