# CITY TRUST
FORT WAYNE, IN · NCUA charter 8472 · asset band <$50M · latest filing 2022-09 · stopped filing after 2022-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/city-trust-8472

Who the members are: federal charter, multiple common bond, organized 1953, low-income designated. 735 members of 3,000 potential (24.5% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 22.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $11.4M |
| Members | 735 (-6.6% YoY) |
| Full-time staff | 2 |
| Net worth | $1.3M |
| Net worth ratio | 11.4% (p44 of band) |
| ROA (annualized) | -0.87% (p9 of band) |
| Total delinquency | 1.99% (p82 of band) |
| Net charge-offs (annualized) | -0.35% (p3 of band) |
| Loans / shares | 18% (p7 of band) |
| Cash / assets | 81.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.52% (p11 of band) |
| Operating expense / assets | 2.93% (p50 of band) |
| Vehicles % of loans | 60% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p42 of band) |
| Vehicle delinquency | 3.31% (p91 of band) |
| Vehicle NCO | 0.00% (p30 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 26% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 87% |
| Certificates % of member funds | 4% |
| Average share balance | $9,646 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $11,637 |
| Loans granted, annualized | $903,768 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 1 |  | losing money |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 3 | members leaving |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 1 |  | members leaving |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 3 | delinquency rising, members leaving | net worth falling |
| 2018-09 | 4 | delinquency 2x band |  |
| 2018-12 | 4 | net worth falling | delinquency 2x band |
| 2019-03 | 5 | delinquency 2x band |  |
| 2019-06 | 2 |  | delinquency rising, net worth falling, delinquency 2x band |
| 2019-09 | 0 |  | auto monoline, members leaving |
| 2019-12 | 1 | loan book shrinking |  |
| 2020-03 | 2 | members leaving |  |
| 2020-06 | 3 | net worth falling, delinquency rising | loan book shrinking |
| 2020-09 | 4 | margin squeeze, delinquency 2x band | members leaving |
| 2020-12 | 2 |  | delinquency rising, delinquency 2x band |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | charge-offs p90 |  |
| 2021-09 | 4 | members leaving, loan book shrinking | net worth falling |
| 2021-12 | 2 |  | charge-offs p90, loan book shrinking |
| 2022-03 | 4 | net worth falling, delinquency 2x band, loan book shrinking | margin squeeze |
| 2022-06 | 4 | delinquency rising | net worth falling |
| 2022-09 | 7 | losing money, assets shrinking, auto monoline |  |

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

- 2022-06-28 [A Deceased CEO, A Big Staff Departure, No Payout Despite High Capital & A ‘We Like Them’ Partner: Here’s the Latest on 8 Proposed CU Mergers / Fresh Today / CUToday.info - cutoday.info](https://news.google.com/rss/articles/CBMi_wFBVV95cUxPSTBPVFNTZ3dBaFA0SHVwZGI0UXFzUlFJanZ0a01mOW9LaVlKbERscmp5T05rSXIyaWpFMWhZamZjc3lkeWl3V1hlWHRqWmNIOUtyUHRURTlZWF8zNEYzVVp4aVVncUJCUUlFTnRWbHgtWDRoZFRKb3VtbURDSW80aVlEM3poUGhnWWtSWTFZRXlYUUx6SVlqU1MwRTNlZU9vQlBnUEtkUnVEOFFuRVhqNVg3MTV0d1FsXzdFM3Y1cVBaSW1ac0ZZRmhUMmt3QUIwZEVLR3FBektuWkZUTEZaaU5KNzdxM1pfd3VtVTltdGF1T2ltVWRUOHZWV01UcFU?oc=5) · cutoday.info
- 2021-10-06 [RICHARD WALKER Obituary (2021) - Fort Wayne, IN - Fort Wayne Newspapers - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOZG9xTzhuSTRxUEtNZ2lQbFY3ZllNcVotdUxfSXNMaEpYSlRWTTNiTTZ1ck5XQV9hRGc5N05IanNYbW1LQXZuUUlSWFQ3XzZmRVVEc3E2ekxrTzFvbXpQTHBXRVczQjNuT045YWZUY05qWkFrZ2JvRXhIb1ZwYl9uR0hXazNRd0tpeXI5dk9sZnM?oc=5) · legacy.com
- 2025-06-02 [Thousands to attend the 2025 Foyle Cup Tournament - causewaycoastandglens.gov.uk](https://news.google.com/rss/articles/CBMilgFBVV95cUxQOEE3djZOZElNeGRRVU4zZGotai1CZzVZWjZTcWc4Nkd2UHNmN01KbGczX0ZfWF81anpBWTFpNDBjQ0s4ZmhjMDBfVzhIM04tRllfamUwcUQ0WjZNRHhGZFpPNUtQb3BUWkI2eGRmdk1lcTBnR2Jid3ZCcGU1RVpWUDBsRXMwWlo2Z1VQUEt1Z0tnUUxkanc?oc=5) · causewaycoastandglens.gov.uk
- 2019-05-24 [Call for Paddy ‘Bogside’ Doherty Memorial to mark contribution - Derry Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxNTU5nTTlKbmRnN2NCaFVJTEQ0WGNrX1ptSjdBYlVNY1I2UmJNY2ZCMEdtSktSOUIxMTNCQWlXREFQTHZOUUJpdUxsZXc2TWp4VTh0dVNyd0RzaENzV0ZmMkc4M0NUYnE4dG00M1p2c0VlYi1tanZjcXRBMm9lUm9fZnM2N3dqUmt6ZmUyb1FuektScEpFQWM0NUR2NVVLYlZ0bmI4?oc=5) · Derry Journal
- 2025-07-23 [Foyle Cup kicks off in spectacular style - Business First Online](https://news.google.com/rss/articles/CBMimgFBVV95cUxOQTZwQXRRX1N5S2NmLWpjcVBncHZzSEhSMm16TzlHa082TlEzRGJ6cDZnVU9oMEdZUzhwOW5tUWppaTh4Z1BGbm9ReTNYQmthakszRm5zOVhzblQ0UFdKQ2pSdVB2d2pzTmdlREFmM2E5ZEpnVjFBT1dDQUlzNmRWUk5reUVvRkQtWjBWQnFOc1l4VUZRWEFsaTh3?oc=5) · Business First Online
- 2016-01-11 [Paddy Bogside Doherty 'a visionary who made world a better place' - Belfast Telegraph](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNY3RjdlBYQW5kNy05VXhlWWVBQjRGVWdqQ1NMYmFVa0xEQVZVRHV2MTFtQ0RHZmhsTlZSNEdnWmJaaExtcms5ZUNycHVLS3paM0h6QjRSYnNuWmRXV3RTMGVna0tJaFJfTDI2cWNIX2VhX19aYklUQW9xUEVPdnZEVlE3WUkxNXA0WnVseUl5SDhKX0prakVGWWlZODAyTEs0R0hKSjVOSTNBbXRYVzBLTkpseEtuUS03RU1NUXZqZVRZQS1VWGk4RWZfNlF4allnU2NB?oc=5) · Belfast Telegraph
- 2026-02-03 [Entries still open for Foyle Cup - Highland Radio](https://news.google.com/rss/articles/CBMiekFVX3lxTE1TV3VaNEw4RTZXaHhsa1ZHc0hNbTkxVzdYRmNvV0VFOW5wR1BJSktSTFN5eUZDMUNfZm5VaDhqZE5XeW9QRFNHcnhHclNNbWNlcDFvaW84RkhVY3NTc0N4VzFxR0dxVjI5LTljS29aWjRnTWlXdmVrQU1n?oc=5) · Highland Radio
- 2025-07-23 [42 memorable photos from Day 3 at the Foyle Cup across Derry and the North West - Derry Journal](https://news.google.com/rss/articles/CBMitAFBVV95cUxPZGk0UkVSYU9LUWVoSmhuRW1ONjRoVkluQy0tbndYMXdqY1FIU0Y5UzVEck1iaGpNazYxcWFhNF9rNHVlVG5vVGlaR2tKNDczVkFZNmtiWklJa0pDYU5yUjhRbVl0YzhDcy1uUnQ4Rk13OWtfcFFqd3pkX29fd3A0VS1WX1ZGVEhMOW5nUEU0VTA0RWIzNGlERlhrbkhfb2UxQk1CMVFwOGFONms3d2Q1QXhqQjY?oc=5) · Derry Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8472 (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 "8472", 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=8472
- 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