# FIVE STAR
Dothan, AL · NCUA charter 68302 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/five-star-68302

Who the members are: state charter, organized 1964, low-income designated. 66,938 members of 1,522,058 potential (4.4% of the field); checking penetration 83% (share draft accounts per 100 members); loans per 100 members 218.

**Verdict on the desk:** this could be *fortress*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.25B |
| Members | 66,938 (2.3% YoY) |
| Full-time staff | 235 |
| Net worth | $170.6M |
| Net worth ratio | 13.6% (p88 of band) |
| ROA (annualized) | 1.03% (p76 of band) |
| Total delinquency | 1.34% (p91 of band) |
| Net charge-offs (annualized) | 0.46% (p45 of band) |
| Loans / shares | 78% (p29 of band) |
| Cash / assets | 12.5% |
| Borrowings / assets | 4.02% |
| Net interest margin | 3.33% (p50 of band) |
| Operating expense / assets | 3.91% (p83 of band) |
| Vehicles % of loans | 21% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 21% (p18 of band) |
| Vehicle delinquency | 0.49% (p40 of band) |
| Vehicle NCO | 0.58% (p23 of band) |
| Repossessed % of vehicle book | 0.01% (p26 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 144% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 48% |
| Average share balance | $7,532 |
| Participations bought / yr | $6.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $42.2M |
| Loans outstanding per 100 members | 218% |
| Loans granted per 100 members, annualized | 127% |
| Average loan balance | $5,840 |
| Loans granted, annualized | $320.0M |

## Participation posture (from the same filings)

Bought $6.3M and sold $0 in the latest annualized quarter; $42.2M outstanding purchased (24.7% of net worth), $4.8M sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 1.4% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## 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 | 1 | delinquency rising |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 1 | delinquency 2x band |  |
| 2019-12 | 0 |  | delinquency 2x band |
| 2020-03 | 0 |  |  |
| 2020-06 | 4 | net worth falling, margin squeeze, delinquency 2x band, charge-offs p90 |  |
| 2020-09 | 1 |  | net worth falling, delinquency 2x band, charge-offs p90 |
| 2020-12 | 2 | charge-offs p90 |  |
| 2021-03 | 2 | net worth falling | charge-offs p90 |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 | charge-offs p90 | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | leaning on borrowings |  |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | charge-offs p90, delinquency rising |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | net worth falling, delinquency rising |  |
| 2024-06 | 4 | losing money, margin squeeze | delinquency rising |
| 2024-09 | 2 | delinquency rising | leaning on borrowings, losing money, margin squeeze |
| 2024-12 | 1 |  | net worth falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | delinquency 2x band |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 0 |  | delinquency rising, delinquency 2x band |
| 2026-03 | 1 | delinquency 2x band |  |

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

- 2026-05-05 [“The backbone of our community”: Dothan honors small businesses - WTVY](https://news.google.com/rss/articles/CBMijwFBVV95cUxPOGtudHFKaUV1enNuTnVtSFU1V3VqcXY4ODBFTlBHaERWUzlLNVVYNy16OWlvZjdISXc0Z2hMNzRSSjRRLUZPeVItc3Awb3l5TnVQbFkxUzFMTmNWdnBNeXlybVIweTAwTURGbnJnNFEzVXVKRms2OHhiRUx2aEFHY2U2ZHZpWjY2ODlyZWhCY9IBowFBVV95cUxNSjBWSXFJMHN1WUtTUUlqTTFHRndJT3EtVVB5RzVoQ1ZVSXdDZXlfeU1TaFVXQXJTa3dvRTNpT2w1Sm50RlJxV3J2WUxmcUN3WlU4WV9qZzJuWkdpR25SSl8xcVZ6emh5WkE5WVJjZm1CX3A3WURIVXdIUFhOYnZoZi0zaS1wNjE2OWJwSmY5QTJidEdSRk1Ec1oxNEJEUXVlMVln?oc=5) · WTVY
- 2023-09-01 [Alabama, Michigan credit unions buy banks in torrid M&A week - Banking Dive](https://news.google.com/rss/articles/CBMivwFBVV95cUxOSVFHM2NLd1dZc25jS0hGNFBJYV9MQ3FrbFZ5VUo2WGdaQXdaendyQVl2YzNYMXZfUkhHUVpYTzlvT1Bib3FPQlJMdG9feEJ0ZGwtMkExZ1hQSk44bXNqZEkzUzNpZjJaSVJRdFhCQlpCMWk3QzdjZkUtY2VNeExjN0hiemM2V0Y3UVZ5Ul9QaWNTLUNlby00bjBQTUdsX252dVRlUmNtMUg4VTBtRjJvUzhiUkg4OWMwZnF0VW11RQ?oc=5) · Banking Dive
- 2023-03-08 [Credit unions aim to benefit communities and members - Business Alabama Magazine](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQelJuOUZsdUNyM1kyTTVpLUdpdXREZ09mdVljNjVRdEN6clBCWnBVY0drendicEdDcEFqYXhBcWVJM2VVOEYwSHVVczlhWkVZeFJpVjJ0TW5fR21MQ1dreHRNSi1sSUkxXzVUbWo5c1NCWWdqNzRObmJTYzM2U2dSc0IxR1hhRHVv?oc=5) · Business Alabama Magazine
- 2026-05-22 [What’s open and closed on Memorial Day 2026? What you need to know - Democrat and Chronicle](https://news.google.com/rss/articles/CBMisAFBVV95cUxQWjgwdzcyUThaZ0dIdURwQVlfN0JXSmFQRHJLWFR3cGxMaUxkbmRuc1pHdXFraG9yRWM4TkFKSmZWaTJ5ckh0M3NRcFIyRlQ0VThGamNjT0h6R3d2S2VteUdQOFREeER0bTZwWVdTdlhjMGZaSDFXN3dGSUJJeV85eHpzc3VJajdTaU5yWmhfU3lEdUhyV0szcjRyc3kzRXBWXzlKVzZDT3doOFc5Vnppeg?oc=5) · Democrat and Chronicle
- 2023-09-01 [Two credit unions are on a bank shopping spree - americanbanker.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQS240cTRJelJES2kxcGZJSWVaeHRndmxBVl8zaFNDWVFMRnI0aEloUkh6TFBFM1BkdDExdFpuLVRLa0FNZkU1WDhnMHNLRXduSHM0ZmFKRFJDQXdOWlVaMXd6MzU3X0NtLWxucGhYNWJrd3I5Wmhhc0FVQmtleGw1TndUVzZXQ1d3WjFNdTRrWnh4ZG9XbkZDWURDWQ?oc=5) · americanbanker.com
- 2026-01-30 [Hot Sheet Cases Filed in 20th Judicial Circuit January 29, 2026 - Rickey Stokes News](https://news.google.com/rss/articles/CBMilwFBVV95cUxOMGYyMUhhemI3U1YtcVJjSFM4bkNlbjFCZW5kMWdrRm5qY3k4OXRkYkJQVlRZeVBqWmJadEdJS29UX1NkRFZEdG9zSjF6dkVJUnBueDdQLXF2bGFFZ3BrMGZuM2JRNk1XZlZoUDhEMllFS3JBX0FnX0xuTjdmeUlFUnprSmlZSURETGlfUWNHTXlTV1JyYnhj?oc=5) · Rickey Stokes News
- 2019-04-10 [Why Are More Credit Unions Buying Community Banks? - Federal Reserve Bank of St. Louis](https://news.google.com/rss/articles/CBMitAFBVV95cUxNRlpyMXZpaXB0eEZDVmRQaGVVOC1UWDhjdVJrYW15YXQ1ajFYcXFUVEQ2M1dnbmpLM0dDRGRuaWc5Nm1IMk1hSldPWE9FTHQtM2lsWG1tdGpKZzdDN042VXdPODZCZHo4VGNKYlFFYXZEMFJfYVpaUi1kQlRBeDRKSFJMa3J3R2JTajFwaEZtRmJ0Smp4VHI5VnNfUWFEMUgzUjE1ZEhfM0JFLUtnR3pRUHRLTEY?oc=5) · Federal Reserve Bank of St. Louis
- 2024-07-15 [Eglin Federal Credit Union Opens New Freeport Branch - Florida Chamber of Commerce](https://news.google.com/rss/articles/CBMihgFBVV95cUxPMm5yTW0wRWJ2dlZuZDBKdnVqcUR6MkJZWFRBS2ptb2ZlY2NzUmRTb2dBODRFeXkxU3BmeWJDTXFZb0t4VEZVbGVsZVkxQ1FPM1BGRTRxMUFUMGJiYktKSFNVZWtOU0s2bU84bGwxeVhsSkRXeUdTa2xOcVRtZGZ4LUhhSzRoQdIBhgFBVV95cUxPMm5yTW0wRWJ2dlZuZDBKdnVqcUR6MkJZWFRBS2ptb2ZlY2NzUmRTb2dBODRFeXkxU3BmeWJDTXFZb0t4VEZVbGVsZVkxQ1FPM1BGRTRxMUFUMGJiYktKSFNVZWtOU0s2bU84bGwxeVhsSkRXeUdTa2xOcVRtZGZ4LUhhSzRoQQ?oc=5) · Florida Chamber of Commerce

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68302 (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/14.json (key "68302", 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=68302
- 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