# WILLOW ISLAND
Saint Marys, WV · NCUA charter 8474 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/willow-island-8474

Who the members are: federal charter, community charter, organized 1953, low-income designated. 1,701 members of 2,750 potential (61.9% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $12.3M |
| Members | 1,701 (-2.1% YoY) |
| Full-time staff | 5 |
| Net worth | $903,281 |
| Net worth ratio | 7.3% (p3 of band) |
| ROA (annualized) | -3.03% (p4 of band) |
| Total delinquency | 1.39% (p70 of band) |
| Net charge-offs (annualized) | 0.29% (p68 of band) |
| Loans / shares | 84% (p86 of band) |
| Cash / assets | 18.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.63% (p78 of band) |
| Operating expense / assets | 4.96% (p78 of band) |
| Vehicles % of loans | 66% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.80% (p77 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 34% |
| Average share balance | $4,230 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 26% |
| Average loan balance | $11,097 |
| Loans granted, annualized | $7.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | delinquency 2x band |  |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 3 | net worth falling | delinquency 2x band, delinquency rising |
| 2017-09 | 3 | members leaving | net worth falling |
| 2017-12 | 4 | assets shrinking |  |
| 2018-03 | 3 |  | assets shrinking |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 | delinquency 2x band | members leaving |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | delinquency 2x band |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 3 | loan book shrinking | net worth falling |
| 2019-12 | 3 | delinquency 2x band | thin capital |
| 2020-03 | 6 | losing money, expense trap, assets shrinking |  |
| 2020-06 | 4 | thin capital, margin squeeze | loan book shrinking, delinquency 2x band, losing money, assets shrinking |
| 2020-09 | 5 | net worth falling, losing money | expense trap |
| 2020-12 | 6 | delinquency 2x band |  |
| 2021-03 | 5 |  | delinquency 2x band |
| 2021-06 | 8 | capital below 7%, delinquency rising |  |
| 2021-09 | 4 |  | net worth falling, capital below 7%, delinquency rising |
| 2021-12 | 5 | delinquency 2x band |  |
| 2022-03 | 3 | net worth falling | margin squeeze, losing money, delinquency 2x band |
| 2022-06 | 6 | capital below 7%, members leaving |  |
| 2022-09 | 3 |  | net worth falling, capital below 7% |
| 2022-12 | 3 |  |  |
| 2023-03 | 8 | capital below 7%, net worth falling, losing money, delinquency rising |  |
| 2023-06 | 5 |  | members leaving, net worth falling, losing money |
| 2023-09 | 5 |  |  |
| 2023-12 | 2 |  | capital below 7%, delinquency rising |
| 2024-03 | 4 | delinquency rising, assets shrinking |  |
| 2024-06 | 2 |  | delinquency rising, assets shrinking |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | delinquency rising |  |
| 2025-03 | 4 | net worth falling, losing money | delinquency rising |
| 2025-06 | 4 | delinquency rising | net worth falling |
| 2025-09 | 5 | delinquency 2x band |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 5 |  |  |

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

- 2025-06-04 [Man tries scamming credit union in St. Marys, no impact on member accounts - WTAP](https://news.google.com/rss/articles/CBMioAFBVV95cUxPeEV3ZndhSVp3OV9yc21JRE5ramNCOGZObGtJREtlMTlLWVhsN2RyWW13OXFqRlo0amJEQ0E5M3RXaktQMzMtZ3NqUUtoQlFyS0RUN2YxTnlSYlRaU181WTNlU1hBUS1nYndKVWdRWGhrN0h5QXh5Vk52MVhScC1VMXBkYUhCOUVIX25MMm1kV1M5VWxvMVRfSjJkeF9nZXY4?oc=5) · WTAP
- 2025-10-21 [Patrick Ovide Whitaker Obituary (2025) - Saint Marys, WV - Ingram Funeral Home - St. Marys - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPVU5nbkpxRXVPMUJDSU4zRWs2bWhnMG9HX3VYRDY4djhIU0k3YkhHLTdNOFVDZ3dUYWNYTGc4blVUeDlEanJuU2hZbkY5WDBta0JMOUVYMHkwdm1GRUlHM0t2MHhSLXBGLXhKeXR5bzFmZ0JSX3kyRXZyNk9NWllXSVFtUmZsdw?oc=5) · legacy.com
- 2022-07-18 [Obituary: Anderson, Carol A. - WTAP](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBKZ2pqbmczSm40M3JiU1hKVUZwbHpJWUhGYTdyZzd4X2JRbVl6eE9xek10Ukx0X044Mjh2T2NTZ0JhZmtpRERuMF82VTBXQVJYZXc2dTU3UWdLNFhEZWFzYnc1UkxqbXPSAXtBVV95cUxOckNHWW80MmFDSkNsM19vRUx2UklUb3hJT0lfdlA1TnZVQXJzcllDRFV6SUVfTF9hU3M1WEl1Nm91RWppNVlRdi1qVV8yaE1SUm9ESnFQU3NWRElzNS1TZ0FBQ2p1RWMtYjE0WnFUaEtrQU1QZndWNFF2REU?oc=5) · WTAP

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8474 (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/26.json (key "8474", 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=8474
- 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