# NUEVA ESPERANZA COMMUNITY
Toledo, OH · NCUA charter 68603 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/nueva-esperanza-community-68603

Who the members are: state charter, organized 2010, low-income designated, minority depository institution. 810 members of 1,500 potential (54.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.4M |
| Members | 810 (24.0% YoY) |
| Full-time staff | 3 |
| Net worth | $2.1M |
| Net worth ratio | 47.8% (p99 of band) |
| ROA (annualized) | 2.00% (p93 of band) |
| Total delinquency | 1.82% (p76 of band) |
| Net charge-offs (annualized) | 0.14% (p61 of band) |
| Loans / shares | 125% (p100 of band) |
| Cash / assets | 42.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.97% (p85 of band) |
| Operating expense / assets | 5.94% (p89 of band) |
| Vehicles % of loans | 83% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.20% (p68 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 28% |
| Certificates % of member funds | 1% |
| Average share balance | $3,641 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $11,207 |
| Loans granted, annualized | $720,820 |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **loans>95% of shares** (`str_ltos`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, losing money, expense trap, delinquency 2x band |  |
| 2016-06 | 4 | charge-offs p90 | delinquency 2x band |
| 2016-09 | 5 | net worth falling, delinquency 2x band | charge-offs p90 |
| 2016-12 | 6 | auto monoline |  |
| 2017-03 | 4 | delinquency rising | thin capital, losing money, net worth falling |
| 2017-06 | 4 |  |  |
| 2017-09 | 2 |  | delinquency 2x band, delinquency rising |
| 2017-12 | 3 | delinquency 2x band |  |
| 2018-03 | 5 | net worth falling, losing money |  |
| 2018-06 | 3 |  | net worth falling, losing money |
| 2018-09 | 5 | delinquency rising, loans>95% of shares |  |
| 2018-12 | 5 | assets shrinking | delinquency rising |
| 2019-03 | 5 | losing money, charge-offs p90 | loans>95% of shares, assets shrinking |
| 2019-06 | 3 |  | losing money, charge-offs p90 |
| 2019-09 | 4 | loans>95% of shares |  |
| 2019-12 | 5 | margin squeeze |  |
| 2020-03 | 7 | thin capital, net worth falling, delinquency rising | margin squeeze |
| 2020-06 | 6 |  | loans>95% of shares |
| 2020-09 | 7 | losing money, charge-offs p90 | delinquency rising |
| 2020-12 | 4 |  | thin capital, net worth falling, losing money |
| 2021-03 | 6 | losing money, margin squeeze |  |
| 2021-06 | 7 | net worth falling, loan book shrinking | charge-offs p90 |
| 2021-09 | 3 |  | expense trap, losing money, net worth falling, loan book shrinking |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | expense trap, members leaving |  |
| 2022-06 | 6 | charge-offs p90 |  |
| 2022-09 | 6 | delinquency rising | margin squeeze |
| 2022-12 | 7 | loans>95% of shares |  |
| 2023-03 | 7 | losing money | charge-offs p90 |
| 2023-06 | 5 |  | delinquency rising, losing money |
| 2023-09 | 5 |  |  |
| 2023-12 | 3 |  | expense trap, members leaving |
| 2024-03 | 5 | losing money, delinquency rising |  |
| 2024-06 | 5 | assets shrinking | delinquency rising |
| 2024-09 | 5 | delinquency rising | assets shrinking |
| 2024-12 | 4 |  | delinquency rising |
| 2025-03 | 4 | charge-offs p90 | losing money |
| 2025-06 | 3 |  | charge-offs p90 |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | charge-offs p90 |  |
| 2026-03 | 3 |  | charge-offs p90 |

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

- 2018-05-15 [Latino credit union finds new home in South Toledo - Toledo Blade](https://news.google.com/rss/articles/CBMiugFBVV95cUxQMGtXZDZYSml0WDlodVhWbXE3VHFzZl9GdzRlMEdlZTczeXFyQmtXRWFoU1pqaFlMY213NmYzMFg1Q1ZmbldpSXJiTE84WUppSWpkOXB4blo4ZjUtRlZBYmtYR2xjSE1EQmJEamZQZ0dmUDJ3RG1qZWV6SWZ2U00tMTIxTXU3SzBxS0NfVVcwZWd4UnpBV1pvXzBIdGVDMHg5d25lb0E1WGZscC1BTzlnMHplV2JTb0dnU1E?oc=5) · Toledo Blade
- 2022-10-12 [Hispanic Heritage Month Concludes with The Diamante Awards - Toledo City Paper](https://news.google.com/rss/articles/CBMilgFBVV95cUxPRTBmTlZrTmlfc3Q3ZmxKSjhGQmZJMnVzc182a1E1YjM1Ty00LXdPQnNJWFJpQjdvUTRneUQ2eFM0ajNWWWdueWdUNDIwWjFhS01paVBzdy10U3Zia2dRUmN4cmFqVVpIeUhsc2E0ZjZ2dW5JYV9EdDF3RndSNFJGeGV3VmhZYm10YUJQX3VUa1JzcDQtUmc?oc=5) · Toledo City Paper
- 2016-11-01 [Clinic, credit union will fill old Toledo library site - Toledo Blade](https://news.google.com/rss/articles/CBMiiAJBVV95cUxOTzZvRXNKSTBobHZMOC1uZGowZ1BSTUVaUmZpVkR5a0syOUFMMVNtTXQ3YTVfVmRJOGZ2dGFNcmtSYV9MX0JONFd5T2t5QXpOVzVFaVNNMFhVb2Y1dFhRMlI0RGdPVW9oeDJ1ZEhOZ1lFT2UybEdXMWx1NTlGR052OW5lRDlXZlhrdHdHdjN3aTdDSHJDeUJLcVpJRndaclU2NWVGb0RockN5dGh2bkNjRUlFcGlLQ2xvWXYwQlphUlNFZXFGSDdmaVdTczJpeWJRbU16cmhhdndtcnBwcVJ2YmN3OUlEcS1DbVlYa1VnVTY0MkVWbjZyQ3VjeHJGeWtHWlg4QVU4QWQ?oc=5) · Toledo Blade
- 2021-02-19 [Putnam County court records - LimaOhio.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE40ZTBDc3lvVnlrelFLY2hwUm9qdThDREcwV1ZaS2RKLVpmV0E4WVlhb1hYdEQtSkkteFZnY1QwMG5JMHVTZ2E2V0x2aFlMUXllbjFkQ1VWbG9YRUMtLVk5R3FFcmVJZzFqQXVsV0ZLNkduNHlnRi1TMnJ2N1ZKQQ?oc=5) · LimaOhio.com
- 2017-03-12 [New life seen for Old South End - Toledo Blade](https://news.google.com/rss/articles/CBMipgFBVV95cUxQYjNPSWNZUHRZRGE0akN5d1lUek1sN3BmRjk2MnUyTVNoaF9HS09MM1BoZE1iNTR6MUtuMnF1akp1MXYtbG1IaEJTX1NRSGZpdlVQQ3J2ZlU1UWdoNnNyMmdqTEZDdlpnWHNzX2dCR2FUcDJydl9YdW05U0tPemJuekJHRDNjU1NYcktaT0RVNXRuQ184dDktcW9pOG5xR0FSVVF3QUt3?oc=5) · Toledo Blade

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68603 (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/59.json (key "68603", 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=68603
- 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