# ABOUND
Radcliff, KY · NCUA charter 7000 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/abound-7000

Who the members are: federal charter, multiple common bond, organized 1950, low-income designated. 115,025 members of 216,852 potential (53.0% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 72.

**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 | $2.72B |
| Members | 115,025 (-2.4% YoY) |
| Full-time staff | 427 |
| Net worth | $428.8M |
| Net worth ratio | 15.8% (p95 of band) |
| ROA (annualized) | 0.82% (p60 of band) |
| Total delinquency | 0.54% (p43 of band) |
| Net charge-offs (annualized) | 0.68% (p66 of band) |
| Loans / shares | 87% (p52 of band) |
| Cash / assets | 11.2% |
| Borrowings / assets | 2.58% |
| Net interest margin | 2.98% (p26 of band) |
| Operating expense / assets | 2.34% (p13 of band) |
| Vehicles % of loans | 39% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 74% |
| Third-party paper % of net worth | 145% (p52 of band) |
| Vehicle delinquency | 0.43% (p31 of band) |
| Vehicle NCO | 1.41% (p70 of band) |
| Repossessed % of vehicle book | 0.08% (p54 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 37% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 54% |
| Average share balance | $10,405 |
| Participations bought / yr | $14.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $79.3M |
| Loans outstanding per 100 members | 72% |
| Loans granted per 100 members, annualized | 46% |
| Average loan balance | $23,450 |
| Loans granted, annualized | $800.1M |

## Participation posture (from the same filings)

Bought $14.5M and sold $0 in the latest annualized quarter; $79.3M outstanding purchased (18.5% of net worth), $2.5M sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 9.3% 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 |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | 3rd-party paper>100% NW |  |
| 2017-06 | 0 |  | 3rd-party paper>100% NW |
| 2017-09 | 1 | 3rd-party paper>100% NW |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 4 | delinquency 2x band, delinquency rising, charge-offs p90 | net worth falling |
| 2018-09 | 4 |  |  |
| 2018-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2019-03 | 4 | net worth falling, delinquency 2x band, delinquency rising | charge-offs p90 |
| 2019-06 | 3 |  | delinquency rising |
| 2019-09 | 3 | charge-offs p90 | net worth falling |
| 2019-12 | 3 | delinquency rising | charge-offs p90 |
| 2020-03 | 4 | net worth falling, charge-offs p90 | delinquency rising |
| 2020-06 | 4 |  |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 2 |  | delinquency 2x band |
| 2021-03 | 2 | net worth falling | charge-offs p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | members leaving |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 1 |  | members leaving, net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-06-23 [Building Financial Confidence: WKU Hosts 6th Annual Personal Finance Summer Camp - Western Kentucky University](https://news.google.com/rss/articles/CBMifEFVX3lxTE5BcWYxbEZHbzlNNzdoeEZLeVZYeW05NWs2Q2NVS1gta0NDMWEwYjZTbnRCU0dzemVMNlBvWkJ6bmN6NkdNbUhZamlxbXJVckhzejk3Z3hrMlk0Z2t4dmpXVHFiZG9abGcwMUIxdXRIbkF2Ul9yd25HdHN2Qi0?oc=5) · Western Kentucky University
- 2026-04-08 [Kentucky students and graduates commit to careers in the STEM field at Going Pro signing event - Kentucky Teacher](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPMjdhZkF2c2lFeFhZdG9IZnVwYXBteFctMVJOaHNTOFRmQlV1WlZjLWtWeXR3ckREWWxqdEZwejRtMzdoUjZpS0N2UFNEVTRnMXBISzRLSWxxUl9nVzE2Yi1wcWROY3FCbEdBWlJoVS1xOEV2TVBoSmxqSFVDVVFUQnVoalIwTjhvbmJJZDAzVUozQXE5N1czaFdRalQxaHkyckZ5d1lSUDllZUtVVnF3YjZDRWFFbkc4V3dFcnZZUkwtNnNWZlZScDd2Y1pBQjl5X1YxN2pOZw?oc=5) · Kentucky Teacher
- 2026-02-13 [Abound Credit Union Celebration of the Arts Award Ceremony to be held Friday, February 27 - Western Kentucky University](https://news.google.com/rss/articles/CBMifEFVX3lxTE1WWlVKY081Sk5ucE8yWDhoVEFneWQ0a3E1RlBURjhOaTNWM3gyZVVDZ0NWYnZLZTdlb2NfNlRmTVFrR3Z4SXcyNXJUVXl5MVJnRC1HY0pTWHowc3dPYVRwb2J6WmxIX0poemVqdUM5UEstRVI3bzZ3QjgtR2o?oc=5) · Western Kentucky University
- 2025-05-29 [Abound opens new Jeffersontown branch, expanding financial opportunities for military, veterans, students and more - CUInsight](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNRTBVRjlCRGpfcTJoN0ZUMHRBUFU2anFOdktLajdHQk43bmZaWGhtR1hwblVfanBwM2h3YmFkTUFoQkdhOXFXcDFINTRQam16MU9BS0FSZTBJYmNTM1ZJYm5OYmtsR1Fjd0ZiV29vWm00bEVYRmc2RU9Sc2g0VFQyLWI3cGJaY1M5SWtBZXplck0tbUJBOHZaR0I1cTNHRXAzQUh6bFdZcjU2aWV3S3NWM25WdWpuR2RvQnNRR2VvT3I1aU9KZ3V6QjMxNng0Q3RBMl9leUlrem90YUhzUV84dVRBM2x5S2s?oc=5) · CUInsight
- 2025-03-10 [2025 Best Places to Work in Kentucky Announced - kychamberbottomline.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNanNqRGFxUW4zSW9CbkZRRXBEYy1GS3FxY3E4SV9kR1BYWDJxOUk3dW1vUnBfSElOUnRyM1hjaVhHNkhpTnhWS01ha3o4dHdlWGhoYjRsV0VjVVRWNjRybWJsTjE2Qy00LUEwYUhQbDk4ejhBREF0R3lHTFRfb2Vld2tpaWNpZ3R1clU4VFF1alVtZ3Ix0gGaAUFVX3lxTE5VcnpMbkozZDl6bVE0el9iOUlfazV2aUZ1aEpsREFfZlQyUlpnbW9Ja1B5ZXNvcHRKTE1rQU9kcGpvdjl4ZUlhNlVYY3ZZZk1ZcjAtVVFrSWVDM1lDSVU2Q2ZJSHpJZlpsOHdjZllXYjZxLTc5U3JOOXdRcGFISWlpcDFRV0tsNXBoZXdsSnM0ZzdUVm5FdXczS0E?oc=5) · kychamberbottomline.com
- 2026-08-23 [Abound’s Shelley Mitchell receives statewide award - pmg-ky2.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxQd01PdXJ4dWF0d2k0WmR1YTJ6ZFFtRTNYZHFLV0RDelJrS1JybUlyX2VpMnV1YmVaVU94ZVV3QmJUd191VUY0YWtUal9KekFrYWRpRXprb3ZTZm1zcXl1NFBEQnNjeG5hMXVLVmg3SHFjUGhFcEktbTk4UDRKMFNyU0ViOUoyMzJHamNVaElSQkl0UGIwYnJ1SXdKalEtaldNZmJ6VnBCS2VhcHFEOU9ZRkpvUHlyb1ZtVGw3aml4X1c2Ym9WVElKZ1Y3LVhDVjQ?oc=5) · pmg-ky2.com
- 2026-04-02 [KCTCS kicks off its ‘Going Pro’ events — for students signing up with Kentucky employers - Northern Kentucky Tribune](https://news.google.com/rss/articles/CBMitwFBVV95cUxQUFdGSDNXbG92LVdqZTNoX1pRWkxVSjI5SGZsUko0ODZlVFFJeUpmNWxZQlN0RkpWVXB0RVhfSVlBdnV6LVdNU0dMWmJIUEVQMTctcmxZLUlEZWJwUnllNGJ3TnBKOG94enpIbFVVeldNUHNrY3FoYmpXM0JucmpVMXZHZzZsalN4Qm9pNWxTakpCOWJndl9rcG01S0QteF9XRTU3NGJHNFRPbUp5bFdGZDVZTnVId0k?oc=5) · Northern Kentucky Tribune
- 2022-08-16 [Abound holds ribbon cutting for financial learning center at South Warren High School - WNKY](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQN1dsRS1BYjR4RmR4RFNwRWFuelJ4bXk2bUs2UUZGeTltXzVBREdzeE55V3hXb1VKME5TNFhRU3lwQTZXeWZIRVl2VHRuR1hFUm9rZ0VyR0FYVFZDT2RELXdmbnJGX3FocG5SVmdvVHdpMHdHaUdPdjhRMTN5YU1DbHhoQWxKNjZ6WTdINkZyd1pvT3QxZHA1U3hsbV9sOElsZGI3c092WDJtbzg?oc=5) · WNKY

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7000 (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/24.json (key "7000", 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=7000
- 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