# COLUMBUS METRO
Columbus, OH · NCUA charter 7393 · asset band $200-500M · latest filing 2020-12 · stopped filing after 2020-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/columbus-metro-7393

Who the members are: federal charter, community charter, organized 1951, low-income designated. 17,588 members of 1,000,000 potential (1.8% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 74.

**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 | $259.0M |
| Members | 17,588 (-8.2% YoY) |
| Full-time staff | 46 |
| Net worth | $27.4M |
| Net worth ratio | 10.6% (p62 of band) |
| ROA (annualized) | 0.11% (p11 of band) |
| Total delinquency | 0.12% (p12 of band) |
| Net charge-offs (annualized) | 0.31% (p55 of band) |
| Loans / shares | 80% (p76 of band) |
| Cash / assets | 10.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.88% (p6 of band) |
| Operating expense / assets | 2.31% (p12 of band) |
| Vehicles % of loans | 67% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 95% |
| Third-party paper % of net worth | 431% (p97 of band) |
| Vehicle delinquency | 0.16% (p19 of band) |
| Vehicle NCO | 0.45% (p53 of band) |
| Repossessed % of vehicle book | 0.06% (p75 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 30% |
| Average share balance | $7,371 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 74% |
| Loans granted per 100 members, annualized | 28% |
| Average loan balance | $14,227 |
| Loans granted, annualized | $81.6M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | net worth falling |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | assets shrinking |  |
| 2018-09 | 2 |  | assets shrinking |
| 2018-12 | 2 | assets shrinking | 3rd-party paper>100% NW |
| 2019-03 | 2 | 3rd-party paper>100% NW | assets shrinking |
| 2019-06 | 4 | delinquency rising, members leaving |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 3 |  | delinquency rising |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |

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

- 2019-07-29 [Faith services offered at DSCC - dla.mil](https://news.google.com/rss/articles/CBMiogFBVV95cUxPeVZCRFEtanRJWG9YaG51UjNIdEJoaE5EdXd2M2ZDRlpIZEhLc3IyTlFWQ09sM1dMTXh5T2dKcDdvVm8wSzV6Z0ViNUhXOEhyZ0RTN0l3cUZLTjhscDU5Vk8tVHp5bG92WDlUV0dSVVVfYm1qMmZhM3B6TnFVcXVQZlJiUjI2T0IydjFRbVh1MWVOaUEwNmNVcDJsYmh0ZVRmX1E?oc=5) · dla.mil
- 2020-03-22 [Robert Edd Short Obituary Mar 22, 2020 - Diehl-Whittaker Funeral](https://news.google.com/rss/articles/CBMia0FVX3lxTE1maDhnaUkzcy1ZdnZnYWptM05ia3pUSUNad2hYdVJDUmZTOFpXd3cwaUZlcHkwLV9ycHNoMkxYSW1KWUNEQ0VzSzR5ZkQwMU5JbnI2em5hX25zWWVVb3dCU0FoMDhDTzVoVXJN?oc=5) · Diehl-Whittaker Funeral
- 2024-02-12 [George Harvey III Obituary Feb 12, 2024 - shaw-davis.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBIcmd5WjU4eEVSYmc5bTNTSUt2ZkhEU3RFRXZ0cjNjS0ViX2pGbm9vdkd3M1hPdk9qZzVidXM4a3ljbWFWUHNaVHhkTWNEOXFKWmVuTjdHalM5SHRaQWY3SzMwY1pOUQ?oc=5) · shaw-davis.com
- 2024-07-19 [Mr. Henry Thomas Flint Obituary - thechapelofpeace.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE9lRU1iZlF2S3hYYjI0Q1YzZkFDQTNlMHFCMngtclBneklQUkR6eXBmazRlNTV0VWhwSVdZZ1pxQ1p1OXN6SDZ1QU95Szdud2lkbUtKRnNVeVZfNjlwOUw3MHpVTXlLMFVoeFpVOWdvSHlQZjQ?oc=5) · thechapelofpeace.com
- 2025-06-10 [Freda Mae Parsons Obituary - The Columbus Dispatch](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1qT29NY1V1dkZRRHhFNzAwVi1meUFFcG1EOXhKRm1hS2ZPSjk0aGNXX3EycS1jZWozazNpOWxMMzlOMy1jY0g1RE9jQkhlYlVFeXFlYzlUYVlRTmc?oc=5) · The Columbus Dispatch
- 2011-04-22 [Wanda Owens Obituary - Newcomer Columbus](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9IM2FUMG12Vl9tOUxuWjJGc1c0TGpLLVpWRG1WMnZyWmZUbGNCdkFyT0JfOW5jbm5VcjI5QVdubEg3TFQzZTBURTNZVURwLVBYYm5iSzFacE4wSkN4bjk5YkFZdW9wdw?oc=5) · Newcomer Columbus
- 2021-10-19 [Wanda Owens Obituary (2011) - Columbus, OH - The Columbus Dispatch - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQRWtVM01ZQjFkZjFRN044MTJVZmhaejZ5SWxmYWNGUFFaSHJoTXd3U28tR24yVmZvNG4ySnFWZzQ3RjRyY1dCaUxLSlJtZ3RsWXZYV1YyQ3NjTk9LQnJBb0gtUndleWk1MUlBbm1OTEJvWERNcEwzcUxMX0doRDZtNGI4ZV91Vlg4U2c?oc=5) · legacy.com
- 2010-07-08 [Kenneth Fleming Obituary - Columbus, OH - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPQ0UxLTNLVzMwTktzMXZNdXVEcnNaUmtwbGhsMW5tUnJtY1ZveWhKUHUyQUQ5eWxOUUwzaG5ySmFrWnd0c1N1dGZRczhZS1AxM01oYVpuY0JNVzNmXzBMM0JWajc2dm9WYko3WExIc1pQb3NVandxbWJudTl4eVlENy0ybXdhZw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7393 (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/33.json (key "7393", 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=7393
- 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