# TUSCALOOSA V A
Tuscaloosa, AL · NCUA charter 7532 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tuscaloosa-v-a-7532

Who the members are: federal charter, community charter, organized 1951, low-income designated. 4,788 members of 249,718 potential (1.9% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 104.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $51.6M |
| Members | 4,788 (39.8% YoY) |
| Full-time staff | 13 |
| Net worth | $6.6M |
| Net worth ratio | 12.9% (p51 of band) |
| ROA (annualized) | 1.15% (p73 of band) |
| Total delinquency | 0.55% (p45 of band) |
| Net charge-offs (annualized) | 0.84% (p85 of band) |
| Loans / shares | 71% (p71 of band) |
| Cash / assets | 15.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.59% (p90 of band) |
| Operating expense / assets | 3.89% (p63 of band) |
| Vehicles % of loans | 44% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 64% |
| Third-party paper % of net worth | 372% (p99 of band) |
| Vehicle delinquency | 0.31% (p32 of band) |
| Vehicle NCO | 0.45% (p64 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 16% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 23% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 14% |
| Average share balance | $5,639 |
| Participations bought / yr | $37.3M |
| Participations sold / yr | $16.5M |
| Participations outstanding | $15.8M |
| Loans outstanding per 100 members | 104% |
| Loans granted per 100 members, annualized | 171% |
| Average loan balance | $6,507 |
| Loans granted, annualized | $63.5M |

## Participation posture (from the same filings)

Bought $37.3M and sold $16.5M in the latest annualized quarter; $15.8M outstanding purchased (238.4% of net worth), $1.2M sold and retained. Sold in 1 and bought in 4 of the last 8 quarters. Shares 6.2% year over year.

## Flags firing in the latest filing

- **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 | 2 | delinquency 2x band, repo signal |  |
| 2016-12 | 0 |  | delinquency 2x band, repo signal |
| 2017-03 | 4 | losing money, delinquency rising, charge-offs p90, members leaving |  |
| 2017-06 | 4 | delinquency 2x band | charge-offs p90 |
| 2017-09 | 0 |  | losing money, delinquency rising, members leaving, delinquency 2x band |
| 2017-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 1 | net worth falling | delinquency 2x band |
| 2018-09 | 1 | members leaving | net worth falling |
| 2018-12 | 2 | delinquency 2x band |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 | delinquency rising | delinquency 2x band |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 4 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2020-09 | 5 | margin squeeze, repo signal | net worth falling |
| 2020-12 | 4 |  | repo signal |
| 2021-03 | 5 | net worth falling |  |
| 2021-06 | 3 |  | delinquency rising, net worth falling |
| 2021-09 | 1 |  | members leaving, margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 0 |  | delinquency 2x band, assets shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | net worth falling |  |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 0 |  | net worth falling, delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | 3rd-party paper>100% NW |  |

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

- 2012-08-16 [Suspect arrested in connection to Tuscaloosa credit union robbery - WBRC](https://news.google.com/rss/articles/CBMipAFBVV95cUxNVElzcjJNZ1FleV90R0NqbG92aUJxdGFLbHB5U0ZrNUswaGtJYkdQSGZib1JaWnZZMms2M1BSOWJlaGEtMDF5b1d5QTBvWkt6TUhVYkRITS0xUkVnU2V4YktJN0doamlvQ2tWM0t5VDQ3UjRtMUJuUEhIVGQya3FBZ0F0SVhmWVVqTy14bGVPNUwwRVVVLVBhQXVvaTN4YjR5eEVEbdIBtwFBVV95cUxPNUR2emVWdG1zNDZ3dXJ1Qk1Sd3IxclhzT3Q4b2xnOWJSZnJMLUN4MHRLZmdBSjRxWU5LejFEQzFtX2g1eWlsaF9BMVdJYUd3cHBTb2dBeDc2cU1aczMwNkNHcjVpQXFRbGd2SzBBdXJoeGxZZWhhWFpPYlY3ZEd3bVBqUU9GLXpwWHpjVDViVFhJVjdLc012LUVzZnVyYlY1MWwwZ1ZkamdXUjFNelowOXBWRUxqX00?oc=5) · WBRC
- 2022-02-28 [Tuscaloosa Dealership to Give Free Car to Local College Student - Tuscaloosa Thread](https://news.google.com/rss/articles/CBMic0FVX3lxTE1KT1NvdENUd2VuSE5ZUmJHZ29iSGpwekdjdF9BNFZUSjZicDlZcmNmclVlRVJYeGRwbU5sWkJ3d0IyaFQ2UURkUUd4aUp0UHdJS3B0OUhzejQwU213QVJ0SjNnZm1tWGxWZjJ5T0YtMU84SjA?oc=5) · Tuscaloosa Thread
- 2026-06-25 [Take a look back at the BF Goodrich operation in Tuscaloosa - The Tuscaloosa News](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOeURGdmlpbE96QWhWejZ3VEpqQXZlcE5mYVlpMzBXdEd0cVBzTlhVU2QyN0RhLXEwUGtUWklyUjJmclZHdmNqcnZQdjAyNWNTaWRmV25SXzR4T2htY05RRS01MmoyMU5raXRGRUFOeHFqM2JvU3R3OGJBc0NOUVVWQWh0TWpUTE9WVC02LXhmdHZIMjB1S3pRcm9CNkNsWmJxcHFKZkEtUHNEZlFSaXR4bHViMldjNUgzckZVWXRxZXJhdnM?oc=5) · The Tuscaloosa News
- 2021-12-23 [PEOPLE TO WATCH: Faith, family inspire David E. Gay Jr. to help community - The Tuscaloosa News](https://news.google.com/rss/articles/CBMiywFBVV95cUxQUExlU0hWNlVnZ1p3YlVWT0Z2ME5YYlVMdXFSZk9WcTNvdEphT0g1NnZTSHc0Z2dJcjZTUlNIVVBEaUdfSEVtbk9NeDhubGdRdm5QUHdmRm9VNEtVdmxSdnczR3hTVGo0MXhGUXNNQVZCMDN1MUwwWlBCSFFNRUVVcUdKblZEQlVTVkRKV1BpRHp2T3JTZkdSQ2pWaGx2VF9fM1dHdWQ4S3VqOFk5cTlTS191ZmR6Si10T3dWYTY4c011b3pIMXhENDd6SQ?oc=5) · The Tuscaloosa News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7532 (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/44.json (key "7532", 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=7532
- 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