# AUBURN UNIVERSITY
Auburn, AL · NCUA charter 68701 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/auburn-university-68701

Who the members are: state charter, organized 1960, low-income designated. 18,122 members of 30,000 potential (60.4% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *ordinary*. 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 | $269.1M |
| Members | 18,122 (4.9% YoY) |
| Full-time staff | 40 |
| Net worth | $25.8M |
| Net worth ratio | 9.6% (p24 of band) |
| ROA (annualized) | 0.55% (p38 of band) |
| Total delinquency | 0.59% (p49 of band) |
| Net charge-offs (annualized) | 0.33% (p45 of band) |
| Loans / shares | 61% (p24 of band) |
| Cash / assets | 12.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.93% (p14 of band) |
| Operating expense / assets | 2.89% (p20 of band) |
| Vehicles % of loans | 31% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 50% |
| Third-party paper % of net worth | 192% (p79 of band) |
| Vehicle delinquency | 1.30% (p85 of band) |
| Vehicle NCO | 0.31% (p29 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 88% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 33% |
| Average share balance | $7,496 |
| Participations bought / yr | $3.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $9.8M |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $18,675 |
| Loans granted, annualized | $92.2M |

## Participation posture (from the same filings)

Bought $3.1M and sold $0 in the latest annualized quarter; $9.8M outstanding purchased (37.9% of net worth), $2.4M sold and retained. Sold in 3 and bought in 8 of the last 8 quarters. Shares 6.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | delinquency rising |  |
| 2021-03 | 2 | margin squeeze | delinquency rising |
| 2021-06 | 2 | delinquency rising | margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 2 | delinquency rising, members leaving | net worth falling |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 4 | delinquency 2x band, assets shrinking |  |
| 2023-03 | 3 |  | members leaving |
| 2023-06 | 3 | 3rd-party paper>100% NW | assets shrinking |
| 2023-09 | 4 | net worth falling |  |
| 2023-12 | 2 |  | delinquency rising, 3rd-party paper>100% NW |
| 2024-03 | 3 | 3rd-party paper>100% NW |  |
| 2024-06 | 1 |  | net worth falling, 3rd-party paper>100% NW |
| 2024-09 | 1 | 3rd-party paper>100% NW | delinquency 2x band |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | net worth falling |  |
| 2026-03 | 2 |  |  |

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

- 2026-04-09 [25th Annual Auburn CityFest — Pirates of the Plains set for April 25 - City of Auburn News](https://news.google.com/rss/articles/CBMiXEFVX3lxTFBFMjdxYll3U1FncEpmMmZSNURtci1zSlZaS3l6Y2t2aGpDMk9QZGEzSlFnRnQ4ak9saTMxNmRKeFNBX1NkTGRHYi01OXotTUNENHVHanQ2N3NTSWlv?oc=5) · City of Auburn News
- 2026-04-11 [Sheila May Hayes Obituary Apr 11, 2026 - Evans Mortuary](https://news.google.com/rss/articles/CBMiY0FVX3lxTE12SGN6R1A3VU9WZ1hBUW5leVM2NzV1MFpFa1RkcWY3MlVKYmZjNEp0dE9IcEdobGd1VHhRdmxqeURXTnRGWWZ4M1p4ZXZrVllqZ19PLUF1OU5jTE5RRU9WV3M5cw?oc=5) · Evans Mortuary
- 2026-01-08 [Southern Energy Credit Union names 4 new vice presidents - HooverSun.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPVUhFLVppMUozNkZDNzZnZGhtWVljWjhrYWFBbURqcDk1aU9vcTZDQWpWa1Q4S0hiTWtBQXhBTGhLZUlOZmR3VnoySk1ON1pWemtjcTdzaGljOXNETFdGT1RQUFJ3dU1hLVZUZldoblliLWYzOU50VFgxSXRBby0tN0dKOTFEU3ZyT09CM0V1dzJBcURn0gGfAUFVX3lxTE90aERrTjkzdjBTMkhYOHRKMzJiekcwTWhrVFVFQU1KeFBOdmRwZXFodWhxT21Bdk5NR2poSFpiLXdvTkQtQUxfaXJLWkdRN1locjlaNGtPMktscEw3X25lRXQySUl6YU5meDhLZ3M2WkdVNjc3ZUhPMnZURTU5UXg4MzhiSlltckRzck1UYmJLaXRMZHZpeU5sYi0wUUlmbw?oc=5) · HooverSun.com
- 2026-04-10 [Alabama Extension Week highlights lifelong learning with events, webinars - Gulf Coast Media](https://news.google.com/rss/articles/CBMitAFBVV95cUxOV2g3SlBJRkJIXzVfQ29mVXllSGVLOEVTMHdPY1VETUQzOW9QUlJxUHFPbDBfSkhwVWMzVk1jTU0wVGRVQVJrd1ppWGxwM2xfZHNaTFZzTFdWcXNrSG9wUDZkWXVBdWQtUlRzd3ROeDNQYkxuN3RVODdiQkFoWU10Ykx0Nl92aDUyS0Uxd0lFeUtNTGdsWmRLempNSGhENURpSDdseWZJNm92RWlpYnJqSjRKV2o?oc=5) · Gulf Coast Media
- 2026-02-23 [Spotlight on Fayette, Lamar & Marion Counties: Movers & Shapers - businessalabama.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxObGJPTEd1YTRqV0FPdTd6UjJZT2lnRUM0dHVnRnRyQXA4OGxZZ01BclJpQnl2T0JsNG15SUdGbjVGc1Zza1QyaENPUHdlM0RTS2pWZWs5Q3VuNk5ILURwUUJaYnB6U2FVVlM1amJzT1pIQnFQOWJwS1dZbnNMLUxBY3J1LVRvaGM4VlpqUUpOQQ?oc=5) · businessalabama.com
- 2025-12-16 [Santa Claus is back in Alabama: Where to take holiday photos now - The Bama Buzz](https://news.google.com/rss/articles/CBMikgFBVV95cUxQMTVURnFQQmIzN2FuSjNCb0ZwQlhQN1lNeUljQUZwekdYemtLS3I0S2JrSDBMcldlWmQtd1FNY2tmMTk1ZmhxMTNJclRpTjhhSEpOc2o3ejhSS3lrUVdFbDhNZERGY2c5N2JiN1IzYkl4Vi1RTVFSTkNkX2VYdkVRUkRWNzY5clhsemJ4TGp2SndpQQ?oc=5) · The Bama Buzz
- 2015-02-06 [Auburn University Federal Credit Union warns of phishing scam - WSFA](https://news.google.com/rss/articles/CBMinwFBVV95cUxPY3hsZ2hLY2V5NXVnbF9BdWJBd3FsYzNxdl83SGh0VmlQTFZEVE1Mc2VMTnF2V1VBeE1NQzlhZmVHTVRySERtN1kyMjFRNXdYVFluWWJTNE53VTl2OXl3QlFnQTA1dDVlRmVEdmtuTVBZeS05TzFtRGptRFpaVDVCNjFvc2VXdlJIaGtmZUFkVnppcVBhVFBsbmdRQmd5M0HSAbIBQVVfeXFMT3ZNV3JJa21OVUxFaXJDcEJuM2NVRi1ndTZnUnVsTngzMVZncXAwUDBoVFAzNXBLZzk4SUFiZ2NnSF9TLTd4cnhBQkU5bHNTWElZVnRDVGN4Ujg0RklJdW9iWW1LUThvaTh2RVZsSWF5V1ZPYXNSQUNtY2RxdDJaYnp1WF9xMW5iZWstWVljT0lodlVTc2tTcmtYZGFqNkJtNkMzeHVEcnFPUllkWDR1WGlydw?oc=5) · WSFA
- 2022-03-13 [MAX names Martin Head Chief Executive Officer and President - CUInsight](https://news.google.com/rss/articles/CBMiogFBVV95cUxOYVB2dUVOcm1QcEhNakM5anU5ZDlmRUotc3J1bFpwOVhJTHhNQTJKY1MtNFpfQUJiV1dzNWlkbWpiSzhUbUVvcFlDUVRxeVZxdWxoZGtEVi1Uby0yS05Cb3MxUHVsbVJQYnppSGRiU25NTkJoRDM4MlFqUWp1NDJuRlFzOEJyY0NsSjVhRFNHUWZfYXRteEdBNS1zX250TVgyTmc?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68701 (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/29.json (key "68701", 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=68701
- 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