# MEMBERS HERITAGE
Lexington, KY · NCUA charter 68661 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/members-heritage-68661

Who the members are: state charter, organized 1960. 54,828 members of 955,338 potential (5.7% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $583.6M |
| Members | 54,828 (0.3% YoY) |
| Full-time staff | 85 |
| Net worth | $71.9M |
| Net worth ratio | 12.3% (p75 of band) |
| ROA (annualized) | 0.50% (p40 of band) |
| Total delinquency | 0.54% (p44 of band) |
| Net charge-offs (annualized) | 0.20% (p20 of band) |
| Loans / shares | 72% (p28 of band) |
| Cash / assets | 21.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.36% (p43 of band) |
| Operating expense / assets | 3.38% (p39 of band) |
| Vehicles % of loans | 46% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 74% |
| Third-party paper % of net worth | 177% (p69 of band) |
| Vehicle delinquency | 0.27% (p20 of band) |
| Vehicle NCO | 0.34% (p21 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 28% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 31% |
| Average share balance | $6,884 |
| Participations bought / yr | $4.2M |
| Participations sold / yr | $0 |
| Participations outstanding | $19.8M |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $20,891 |
| Loans granted, annualized | $116.7M |

## Participation posture (from the same filings)

Bought $4.2M and sold $0 in the latest annualized quarter; $19.8M outstanding purchased (27.6% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 4.5% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | charge-offs p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | net worth falling, delinquency rising |  |
| 2020-06 | 4 | losing money, margin squeeze | delinquency rising |
| 2020-09 | 1 |  | net worth falling, losing money, margin squeeze |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 2 | net worth falling | margin squeeze |
| 2021-09 | 3 | margin squeeze |  |
| 2021-12 | 2 |  | net worth falling |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 3 | margin squeeze, delinquency rising |  |
| 2026-03 | 2 |  | margin squeeze |

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

- 2026-07-31 [Pat Ferry - Chalkboard Champions Members Heritage Credit Union - WKYT](https://news.google.com/rss/articles/CBMioAFBVV95cUxQSWtPWW8wd0szdENZZU5TTEE1ekZjNkF4Ni1lcFloRTFSYm5RQTNaREpiTC1Pd0pPb0Y5THJtQklVNnd4STdIdFhKWGViOHlzMFJqS255ME9xenV4YXA3aHBlakNMTGd4anktM1hUSHpwYmhBZnVnSzF0RVlxWmtlZXQ4VzV5WU5wYzhUcURKQnpDS0djclhhN3JhTktEU0hq?oc=5) · WKYT
- 2026-03-06 [Shawna Mitchell and Emily Madden - Chalkboard Champions Members Heritage Credit Union - WKYT](https://news.google.com/rss/articles/CBMiugFBVV95cUxOVkZQR2dEbVhSNldZQzViTE1iZGJVRXNzbXNDLVhFRGdxQnU3bm9rbkkzbjdMaXZUNWxBdDNiT0RnTTMxMzZRUE5IdmxlRjB6d1ZhVHJYZjFQTEpBLVAyZ0JsVi1yVEpMTnlveG9zcWZ6Y0MyT3lRTG01Z0E1dU9OR1U0UGRXUUw1SS1JTGVQSWllUTUyc005VjRoQ2Z3NkVCcHo1bTdaYnBEdk5qSE5UbGtjajIwa012dGc?oc=5) · WKYT
- 2026-04-10 [Dennis Weiskircher, Destiny Rogers & Shelli Robeson - Chalkboard Champions Program Members Heritage Credit Union - WKYT](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOZ2pIWkhZZWQ5QjVRckMwTUZST05VdXVzdmdURkliQ0V3OC13NHZIODBIWnFlQnJWUTBoYS1YZkU4dzRBNHpWSzg1Nm9WVjRyamdwSjlvREl3Nm1vbnd1Rl9GOXZyMEJyWVR1U0V3cDZjR3RjbFNiZ3ppam9BTUJHM2s2M3VneGVHaldfWkJHdTk4WkV2WEtqdXBDWWtEc2o5Ul9IVk5qLXhyMUcyZU5Eb0tVOXFNazl4UFcyZVhybUtaNWVhUkc1QU1McG43VDQwNGgzaXlLYzZLWkhhTU1R?oc=5) · WKYT
- 2026-02-04 [Kentucky American Water Presents 41st Annual Kentucky American Water Science Fair - American Water Newsroom](https://news.google.com/rss/articles/CBMivgFBVV95cUxQS3ltODR1Ui0zOElwWkM1ZkV3Yms3RjAyem1LUEQ1R0l6VlgzMDRlZ1otOWtsOVdULW1EcEcwUWdLOENqUy1YWUQ2N1BqcmpTejNOdS1LbV9VbGR3YWFuX2VkT2dyVkVHRjhaSW5la3FsVW1Uc0VIVzVpOVZpTm41SXV0T2xqSTBYc1BBNDMxaVdXTXFQcTlPZ3hpM3JoMDV2bUk3bzNFMTROT2FJUjFOMGExb3JtX1RjNmQ0Yk1n?oc=5) · American Water Newsroom
- 2024-07-10 [1 injured after car crashes into Lexington credit union - FOX 56 News](https://news.google.com/rss/articles/CBMioAFBVV95cUxNbG44V2Q1MUVxWGdoT0xza0JSZVJ4bU9aUXNEQUw4Q0gtcVlDTi1vNWlQcy0yMC1MT2FXTUd6SU93MnNVRkVjbk5jcnVSLTFRUG5mSjd4ZXViTlJpSWtoWC1FYV9acEU1NEFpRmZaUFNHdmp6NE4teWk5N2VPU2ZVa3ZVREtBdkNkNkZqMThPTHhzalUtNEgzaUpGNHpRbmkx0gGmAUFVX3lxTE5LR0F0a2prWU9ibG8yUERabW1SbWFIVVVPY0hKTXpIeF9EaXNXNXUycGZBWTgyQXJoTUJQTTJzRTNuU0JDN2hna3d1SENaLU9MdnZTRWt4S29DZFZELWNjUDhRTWFGSmlvSEp1SlZJczdDRzhQZWdFeHFPQzZLWlBUNGZOY3RTakgzcC14OHpzckx2NnhkVjVzZzZVQWctWENrUklEbXc?oc=5) · FOX 56 News
- 2025-07-28 [Sherri Lee Blakeman Obituary (2025) - Winchester, KY - Kerr Brothers Funeral Home - Harrodsburg Road - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNUENFRmdCZmtDYV8tXzRsTThzTGdFSkJVVlcwanRoQkxvYWQ5cGZLb3kxdjF5c0JGcjBpTGtuLVdJS0szTC01MGpXYV90bXBhaFBHNUhDbzN6MV9FRlMtWGlUeTdmWEFac1NMa1ZzZHZWMXNGa3I1Z25ZY1B1RTRIWFprVFY?oc=5) · legacy.com
- 2026-04-22 [Joseph Wayne "Joe" Nichols Obituary (2026) - Paris, KY - Kerr Brothers Funeral Home - Harrodsburg Road - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOSXpLMWliNERtYU53NHhpa3Y2bV84SjkwcWpwVGpDMXh5YldJbmV3c0NlXzRsTlptR3BYMHVtSDdhaVluSGxDNXp4ZVRoTEhtZXVVMVlLWUZhUGZuTjJaWWxkSk5JUDZyUWRpLVlURHBkOHRHeGJXd3Rzcmx4bThMUVBhYw?oc=5) · legacy.com
- 2025-12-22 [Joy Waddles Blevins Obituary (2025) - Paris, KY - Lusk-McFarland Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1Ub3JtVWh2Z0Z0akZsdWROcVgxVFBHRG9WRFJOblhhblNna2tYUGNqU05pZTFVMzFvY0RualIzODBjOEdlSWpqQmFTeFZwZ2l2cm56d04tS0s4NFpGMFpTRHZ2eU5GdFdzUkxrQ0ZDUXk0cFBYWWZXU21SV05VNVk?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68661 (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/53.json (key "68661", 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=68661
- 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