# ONE VISION
Clarksville, IN · NCUA charter 9097 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/one-vision-9097

Who the members are: federal charter, community charter, organized 1954, low-income designated. 3,455 members of 253,041 potential (1.4% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $65.9M |
| Members | 3,455 (-3.7% YoY) |
| Full-time staff | 12 |
| Net worth | $8.2M |
| Net worth ratio | 12.4% (p46 of band) |
| ROA (annualized) | 0.50% (p38 of band) |
| Total delinquency | 0.78% (p60 of band) |
| Net charge-offs (annualized) | 0.21% (p47 of band) |
| Loans / shares | 39% (p13 of band) |
| Cash / assets | 57.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.86% (p12 of band) |
| Operating expense / assets | 2.76% (p23 of band) |
| Vehicles % of loans | 23% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 1% (p55 of band) |
| Vehicle delinquency | 0.62% (p53 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 71% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 13% |
| Average share balance | $7,525 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $71,583 |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $16,151 |
| Loans granted, annualized | $7.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $71,583 outstanding purchased (0.9% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 2.0% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 0 |  | losing money |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | delinquency rising, members leaving |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | loan book shrinking |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 | assets shrinking | delinquency rising, loan book shrinking |
| 2020-03 | 1 |  | assets shrinking |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | margin squeeze |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 3 | delinquency rising, assets shrinking |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | delinquency rising, assets shrinking |
| 2024-03 | 4 | net worth falling, delinquency rising, assets shrinking |  |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 2 | net worth falling | assets shrinking |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-07-27 [Washington Post. . Get Premium for $33 for the first year. Share access with up to three extra accounts. - facebook.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQRjRkMEpWam5adGVsS2prRC1wRWVtWGlKaGhFMFdveUhtXzdPUW50d1lSZnhtNTZ5YzZMVG53RDYzUWlGV1d1cWQxaVY1allXUmxVNlJycW5ZOHMxMjV6WWlVVzdxR3hTazlFbjg0dmNfUlViOWI1LXJHeEtHcjRqSVhIZmQ2b1BPaTZrVExJXzE?oc=5) · facebook.com
- 2026-05-14 [Finovate Showcases Asian American and Pacific Islander Fintech Voices - Finovate](https://news.google.com/rss/articles/CBMilgFBVV95cUxQRVhtYThiT3o2TEJZZUxnaUpKTnc0SGhVTTdiRTEtZm5SMERmS2Q3WDlHeS1LblVuMThJY3kyNlRtV2FTcklfNlFhNjNGc2lsdmF2RmxTM0tjSVJWVG8xeGNwUjRzZnp3SkV5dTBTOFlKdjl4ZE1yTGtHbWlkcHhZZWlldHN6T0gyY0hvVGczM1o0WmllY2c?oc=5) · Finovate
- 2026-08-15 [Two Brooklyns, One Vision: 2026 Juneteenth Celebration - Insight News](https://news.google.com/rss/articles/CBMi9wFBVV95cUxPTmZ2ZFlJaElrbEZlR01iZFlZMlBTdVhQS2UycnlIM3pLWHcwUElYZDVVTERMRlRVMnRkajRnUW12WjJ6M2RJclprdDUtS0VoZ05hSGNSOV9oTzhaZHprSGFaWTFEZUd2cnNvM3BZWGg1bnJLNnpma2o5V3luRW5mZlpISmxqNktfaGZTNjFYa2ZHQXNfejZzVHNlZGpESTFqWjBMZndtUE5sOFFnODBTM0Q3Y29DR055a29zN3JaNXBFR18yel9wUkVtVkFPTlZrd2VOSnR3MUFUbWw5RUp5M3IzSE44dFBLclBNd0NNbE9QOC05U0dB?oc=5) · Insight News
- 2026-07-15 [Volleyball Preview: Jefferson (Presented by My GA Credit Union) - blitzsportsga.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE9hb0hNSThPcFR5NEhoWjdObV93VUZYb1JiNFRWVHNleWF0RzZFYk50Y2o3WnFHc2loOV9JRWZnbEJZUVhXMUc4ejB6UGdGQWE1eFRuQzZaZThBMmFXUExjb0NudGRHWFBaMnQ1U0ZDRks?oc=5) · blitzsportsga.com
- 2026-04-19 [Big downtown Sarasota housing plan suddenly back in play - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOc280aWVwVm5WZFd3dmxYWjJWMDNRVEFtSFVXZGtGaGQ2Wi1UU2dmM3BHUmpqUTRtaThBa0s5SXN6Q1BpWENfMHhWaVBNV09vQjBMTkdVQ3daMzY5RUpSSzEyN19YZldQYXBmVE01MkZhd2poMGp3alBPcDdvYjJtTUl3andLajQxODNCNVpjcWtxUlFydFZsV2pOZVptbExaaERPSjRWc05Gd3JXVXB5NUc2Qi1LWDJUQTRBSzZKcTlqR2ZESWRIZ3lSNV9Xbm1GR090WG1kWFUwOUZ4TXM4?oc=5) · Sarasota Herald-Tribune
- 2025-10-24 [Two Legacies, One Vision: TDECU and Smart Financial Credit Union Announce Intent to Merge - Houston Style Magazine](https://news.google.com/rss/articles/CBMiywFBVV95cUxPallPSUtseWgwU0FPYkVGUXZPOGtnVFJIRjY2SUZKbV9OMmViWkE4N3FzRFI1ek5kYmVpNVpTUmhKb3A5WHBULUVZblc5Ml9abXlIVmdtMDkzREtETVBjOGh6UUpGVjZXdHNwZmE4V1Z2RnFHeVlubkFzSHA2Z20xdUQ1X2NmdFp2SjBpWE5nMU5FQ2NvUXdDOU9zX3hVMkF2TjlpdWZMVEp1U1VVaXVUQ1VxOXJFc0F5U2pVejFHblF5eHVWWldSVUlxbw?oc=5) · Houston Style Magazine
- 2026-05-14 [Juneteenth events scheduled for West Point, Lanett - LaGrange Daily News](https://news.google.com/rss/articles/CBMilwFBVV95cUxOWW8zS001UnpYazhVMHd1c2tRVFEzRzFOUHJjd1dmeVNEeTBnSjJ3OFN3dUlmam9ldUpIYzR4UmJvRG9xU3dPdkJxOWdmXzgteVdHTTg0R0NZQkhNXzZKZV96Z3hvcW82ZlJRWlpZQk5hT1o4SU1Wblo3ei1LZnFIRjVKVUpMVTRXdHJvTGtNRWJRNGJBVjg0?oc=5) · LaGrange Daily News
- 2025-08-22 [Luminate promotes Angela Melle to Vice President of Credit Union Engagement - CUInsight](https://news.google.com/rss/articles/CBMitwFBVV95cUxNVVJOOFhEeVFQeW9ZUmkwanhWYU1TRmxNNWgwZ3hOM3drbDFKZ3h2NWNQQldOMXVaUGlEZnBKV2xtWWVNTDdfMjRmUHdha0F4bXBJQWRCbWtzUlF5VS03TXlXWm90MzJxSFVDNExMQlE0NEZCM25JVUZydWNZUHFSTzhaNVZYUklNMDN4dDhlb1dYS1prU0JhVlEwUFMwbVVyMGtQVUI3OVBFd2phN1cya3V2U0dDY00?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9097 (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/9.json (key "9097", 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=9097
- 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