# AUTOTRUCK FINANCIAL
Louisville, KY · NCUA charter 68617 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/autotruck-financial-68617

Who the members are: state charter, organized 1965. 17,263 members of 1,700,000 potential (1.0% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $219.1M |
| Members | 17,263 (-3.5% YoY) |
| Full-time staff | 40 |
| Net worth | $28.2M |
| Net worth ratio | 12.9% (p71 of band) |
| ROA (annualized) | 0.21% (p15 of band) |
| Total delinquency | 1.52% (p92 of band) |
| Net charge-offs (annualized) | 0.53% (p65 of band) |
| Loans / shares | 45% (p3 of band) |
| Cash / assets | 49.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.18% (p25 of band) |
| Operating expense / assets | 4.73% (p89 of band) |
| Vehicles % of loans | 49% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 2% |
| Third-party paper % of net worth | 3% (p23 of band) |
| Vehicle delinquency | 1.75% (p91 of band) |
| Vehicle NCO | 0.34% (p31 of band) |
| Repossessed % of vehicle book | 0.37% (p92 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 19% |
| Average share balance | $5,354 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $13,231 |
| Loans granted, annualized | $28.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## 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 | 1 | auto monoline |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 2 | delinquency 2x band | delinquency rising |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | delinquency 2x band |
| 2019-03 | 2 | delinquency 2x band |  |
| 2019-06 | 1 |  | delinquency 2x band |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | margin squeeze | net worth falling |
| 2020-12 | 1 |  | margin squeeze |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2021-12 | 2 |  | delinquency 2x band |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | auto monoline |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 3 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 0 |  | delinquency 2x band |
| 2024-09 | 1 | delinquency 2x band |  |
| 2024-12 | 2 | repo signal |  |
| 2025-03 | 3 | losing money, expense trap | delinquency 2x band |
| 2025-06 | 2 |  | losing money |
| 2025-09 | 1 |  | repo signal |
| 2025-12 | 1 |  |  |
| 2026-03 | 4 | net worth falling, delinquency 2x band, delinquency rising, members leaving | expense trap |

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

- 2024-10-02 [Credit union names its next president and CEO - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOaU9uODFSOWNiN3JDcmQyQmt3TzNSYTA5NEZFVl9DUm1CVGl1Qm5pQlRwNWtzVXhBTXh4ak5wT3pWNWd4N0R3dFN4TS16aEZ0bmZUNXVHV3pPaFBfUURPMjVualZVWnNNNWg0XzlaMVhpWTZBQUVobUhDQVpidkFUYnlGNnBfQWVLTjh1RDdnSjZWTFh4dU43ejE1MjNDMDdVZnNiaDRXa2dxZHU1?oc=5) · The Business Journals
- 2014-03-21 [A Taste of Fern Creek - The Courier-Journal](https://news.google.com/rss/articles/CBMirwFBVV95cUxNR2prY25wZndSTGVybkgwaHZhVGVvQlhIMm8xRzhMUnF1cHNoXzF0X0xQaFU1RzhxM09MRllKTVRqaXBENmtvQzRrdGM0dVNXSW9FMzRxODIyY0hjdk9pYTVYXzFwbDFHQzdhdmJxMk5XZGNPTmlpdEthbkttelYtTmpKZk5PVUp6dVpTWEt4MUEyZDZIalJwTUZvdHl3dzJmNXE4T0RNRzNxYk5XNXRz?oc=5) · The Courier-Journal
- 2019-12-21 [Rocky Comito Obituary - Shepherdsville, KY - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxNaWo0LXZyYjJzNFdSdG50MWtMV0ZrVnBaMVVkdEpucDBqZjcyMW85c29NOWVUWVl2RDV1aEF1cTRjZDRmLXNrZkt1aVFqamJZdklFQWl6MXpjWmFrNl9uS1JuRjBmYmZla0FVZGRmWkNGZFQwejFlVEZmNlQ3aWlXVmFITkpPRWFxOUE?oc=5) · Dignity Memorial
- 2017-05-31 [Class Act's Lynn Huether on why she's stuck with credit unions - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPYzFqWXlRemdRdUgyX29KNkhxOUs5MDI5Wm9obS10VldyNTI4Z1h6VlFidlJiWlZKSXhwbWhwZF8yQTFLWmVMUEdscWJKa0VMUnF0SGEyd2paMDJGVVJ2UWM1Q0hDTEh0ZUVYa1htczhod1YzN2ZTZ2xiOERoUG9ITlhiRFJSWHVTajl0ckhxVGtCdE1PVkpqWDAwZzVqbVNhdTVDM05qcmxzc2hTc3c?oc=5) · The Business Journals
- 2026-02-19 [New East End subdivision carves out 38 lots near Old Henry corridor - The Business Journals](https://news.google.com/rss/articles/CBMihwFBVV95cUxNcV9xWVl5Zm1UdFJmTmVKbWt0MVBpVmM1eFQ5eXNQZzJCU2RTakc5Tk1sUjJGckV0bVlxcHVWSll1S2lCMUNuU0hCcWFBVzRIODljYjBwcENFWnF4ck5UMUs0UGMzOGFZLVlRb0ZiekVuVXkwTHVPS0lJYnYyOEdKRUh3LWYzSkk?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68617 (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/9.json (key "68617", 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=68617
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide