# OC
GARFIELD HTS, OH · NCUA charter 9208 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/oc-9208

Who the members are: federal charter, associational, organized 1954, low-income designated. 14,084 members of 2,200,000 potential (0.6% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *fortress*. 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 | $310.8M |
| Members | 14,084 (4.0% YoY) |
| Full-time staff | 62 |
| Net worth | $41.7M |
| Net worth ratio | 13.4% (p76 of band) |
| ROA (annualized) | 0.97% (p70 of band) |
| Total delinquency | 0.26% (p17 of band) |
| Net charge-offs (annualized) | 0.00% (p4 of band) |
| Loans / shares | 87% (p83 of band) |
| Cash / assets | 19.6% |
| Borrowings / assets | 6.43% |
| Net interest margin | 3.63% (p55 of band) |
| Operating expense / assets | 3.23% (p31 of band) |
| Vehicles % of loans | 27% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 62% |
| Third-party paper % of net worth | 89% (p53 of band) |
| Vehicle delinquency | 0.00% (p2 of band) |
| Vehicle NCO | 0.01% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 198% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 35% |
| Average share balance | $8,987 |
| Participations bought / yr | $0 |
| Participations sold / yr | $30.4M |
| Participations outstanding | $1.5M |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $31,474 |
| Loans granted, annualized | $122.5M |

## Participation posture (from the same filings)

Bought $0 and sold $30.4M in the latest annualized quarter; $1.5M outstanding purchased (3.6% of net worth), $10.7M sold and retained. Sold in 5 and bought in 0 of the last 8 quarters. Shares 9.9% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | members leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 1 | members leaving | delinquency rising |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 | margin squeeze | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | members leaving |
| 2021-06 | 0 |  | margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | leaning on borrowings |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | leaning on borrowings |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | leaning on borrowings |  |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 2 | delinquency rising |  |

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

- 2026-07-15 [/C O R R E C T I O N — OC Federal Credit Union/ - Morningstar](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNeG5CdDM1dTRTZWlNRTB3LTdHU1R3YUZaWUtTel9YLVcwNGxqZFpxRE9JaGdXVkNGZGZfZDlPY3lEX3RHbTlhb1h0MzkzZmo2R3gxOGoyekh5TFhDN0Z1cXZVMXZvcGc5azJSZEw3RVVNUGdpN3IydmYzMUthRmc2eVhBdmZKSXBXblZkb2tLbDdKWW4zUTJ0bkxtMXJzOHlWblJoTXVDYnA5U1ROZk0zeU1La1JWOW14alN2Z09DcE91X0dNTTE4SkFhUHhrcnBmQ1NEYktmRG5MTnREUW9sMDJnOA?oc=5) · Morningstar
- 2026-03-10 [6A basketball tourney preview: OC boys sense opportunity - OSAA](https://news.google.com/rss/articles/CBMirgFBVV95cUxNTWcyQ3pvSFZPWnZGdGVRTmVfRGxOc2oydDZheTNJcGpsVmxSOFBWRnJnRkJmZC14anM2WUhXc2xudG40VTg1QlQzNU41N24ydVZrUTJtZTZSYnhRUGVPQV9KR0lvRHBRbFRnQ1ItdmNld1Vrc0g5Zmp4T21hSGtGSk85VHYwU1ctNWNWdDl3QzNTM1BkSGhyMnJNYmhpY3lNd1luMllPRnNMTWx2T2c?oc=5) · OSAA
- 2024-12-13 [Ohio Catholic Federal Credit Union Changes Name to OC Federal Credit Union - PR Newswire](https://news.google.com/rss/articles/CBMiygFBVV95cUxNXzUyc1VsNXU5TEZPOHpKc290V2ZRem82UkdEcXdQQ3lvUXY1WEJabkVmNnBNdlRaQWRkb01lWkZhZk45dnp4aHktWWwxZ3doeXJ1Sy02LU0zWk16YWhmUElVdWd3d0dHQlZMWndvYUZ2a0FvQld0ZzlHWjlWdDJEdjhyT2JoY3pHVDNaRnhHN0JHNHd2dHJTd1dpYlo1UmJIM2Z3UEF3dktzRnJwLTA3dzF5TGZsOFBDc0stWkRleWpJQ0RhbHRrYWVB?oc=5) · PR Newswire
- 2025-12-05 [Jerry Neuheisel’s Chances for an OC Job Explored - Sports Illustrated](https://news.google.com/rss/articles/CBMinwFBVV95cUxNcXBtcXdGRUkxWjhMajhYcUp5V2djeXhwaDJjVTlrVjFSbmVSek1kbVhFM2l4cGJNc1pEVVV6ZkR3cFNRWjl5S2dZZGhFY1prZW1vMzdDVGJ6eHNuS2wtc0RlS3c5eWd1bVpaaXpqRWdpTDhGdkU5UHJBLXJCeXlLMGlyWU5PX3VYek9Bc3FkNDBHVzdlejVCYU9VVnU5cWs?oc=5) · Sports Illustrated
- 2021-11-01 [OC’s Credit Unions Outpacing Banks in Asset Growth - Orange County Business Journal](https://news.google.com/rss/articles/CBMijgFBVV95cUxQTmZXZFE3aXZBUTNBQnBhdHh5SkRMVjVwNTY3MjNycWpZRUpPNS1Id0wwa1pDVmlfV0RJVlB1b1FFQ3MyR081cnIzQmZCQnZFQlBtZWtPWUNuOXluMjlmYTJVdTZYTEJZMWVFWGw3RmJsN2hHRm1WTFVNcjc1N0xBeVFyMFVLWjRjb1czWTZn?oc=5) · Orange County Business Journal
- 2025-12-11 [Who's paying Will Stein as he coaches Oregon in CFP, builds UK team? - The Courier-Journal](https://news.google.com/rss/articles/CBMikgJBVV95cUxOc2xIS3FWTDJ4Q2lnakRaRTdITEhpRllIOC00UlowX0J0NjJkeTN5Nl9qOEp6UTZCaC1HN3k4MEZqWFE4cGdnQngyNHZXZ3FVTXVpcjJCdC1aRlBhQTRfaU5CNFRrQlBwYk9BX0pkbWZZcDVTc2hxMkttdVNZYlhOTzA2WWVuaWRab1VwWHlCcjV2aGRvNURxLXNOWVFFdkZ2aXVTaDUzTjhaRDI1MENpSXdsZWFWdVhXbW9WR0JoVzVfT25wcVhvYlFKdWoxTEJaN3FZRE8zLUtkTFdpY1U5TXg5ODFXV1FxSmtIT0N5bTdpR243LU9FbHpyQkhmRWkzbEw2NFRoUjQwUVNqUnotTjVn?oc=5) · The Courier-Journal
- 2026-04-24 [3 properties in Stark County sell for over $1M | Real estate transfers - Canton Repository](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPNXhhS0NndDFwM3RPeWJVWmRjYUg1T0ZlM01nUzFISlJKTnNsbWZjWXB3a2pTVWp0VXVjakFoR2pCSUZXeW1CTmE4U09xQVdMV05DTGNISF9LY2gtNXBCZTRaOXRmTFZISHMwRnd4NC12UXl2Vjd0RTdCczN2RDRSTjBGVkh3b2xkVHlmVWRNaDNlOGlhMGVFc0dRRzl2clBhVDBySnpMN1NHSDZWdjZQZXpVcGR4QjBEemJLZ2c0cnFkUF9LU0lYX3lZcDU5eFhaOWozWUN0bk4?oc=5) · Canton Repository
- 2021-09-17 [Fred Brink Obituary Sep 17, 2021 - Walker Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBCRkgyc3JkWFNxSXQ1RzhsS01EOUh5R0tkX0dhc202dF9uUVA4aV9ONUxqNEY0eEdFQXNhNTNhNloxaG1zVGVlTmQtdlNfb1AxcFVvd1FnNGc0d0N4ejRxMEtWRlN0MWM?oc=5) · Walker Funeral Homes & Crematory

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9208 (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/56.json (key "9208", 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=9208
- 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