# COUNCILL
NORMAL, AL · NCUA charter 9554 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/councill-9554

Who the members are: federal charter, multiple common bond, organized 1954, low-income designated, minority depository institution. 619 members of 2,000 potential (30.9% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 23.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $2.8M |
| Members | 619 (19.7% YoY) |
| Full-time staff | 1 |
| Net worth | $459,358 |
| Net worth ratio | 16.4% (p58 of band) |
| ROA (annualized) | 2.78% (p97 of band) |
| Total delinquency | 1.61% (p73 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 30% (p13 of band) |
| Cash / assets | 75.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.44% (p32 of band) |
| Operating expense / assets | 0.94% (p2 of band) |
| Vehicles % of loans | 26% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.72% (p76 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 | 66% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 42% |
| Average share balance | $3,924 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 23% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $5,004 |
| Loans granted, annualized | $323,980 |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | delinquency 2x band, charge-offs p90, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 | losing money | delinquency 2x band |
| 2016-12 | 3 | delinquency 2x band | losing money |
| 2017-03 | 5 | losing money, assets shrinking, members leaving, loan book shrinking | charge-offs p90, delinquency 2x band |
| 2017-06 | 3 |  | losing money, loan book shrinking |
| 2017-09 | 2 |  | members leaving |
| 2017-12 | 1 |  | assets shrinking |
| 2018-03 | 3 | assets shrinking, members leaving |  |
| 2018-06 | 4 | loan book shrinking |  |
| 2018-09 | 6 | delinquency 2x band, delinquency rising |  |
| 2018-12 | 4 |  | auto monoline, delinquency 2x band |
| 2019-03 | 4 | delinquency 2x band | assets shrinking |
| 2019-06 | 5 | assets shrinking |  |
| 2019-09 | 2 |  | members leaving, delinquency rising, assets shrinking |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 3 | losing money, charge-offs p90 | loan book shrinking, delinquency rising |
| 2020-06 | 4 | net worth falling, members leaving | losing money |
| 2020-09 | 5 | losing money |  |
| 2020-12 | 6 | delinquency rising, loan book shrinking | net worth falling |
| 2021-03 | 6 | margin squeeze | delinquency rising |
| 2021-06 | 4 |  | members leaving, losing money |
| 2021-09 | 3 | members leaving | delinquency 2x band, loan book shrinking |
| 2021-12 | 6 | net worth falling, losing money, auto monoline |  |
| 2022-03 | 6 | delinquency 2x band | charge-offs p90 |
| 2022-06 | 6 | charge-offs p90 | margin squeeze |
| 2022-09 | 5 | delinquency rising | net worth falling, delinquency 2x band |
| 2022-12 | 6 | delinquency 2x band |  |
| 2023-03 | 3 |  | members leaving, losing money, charge-offs p90 |
| 2023-06 | 3 | assets shrinking, loan book shrinking | auto monoline, delinquency rising |
| 2023-09 | 3 | delinquency rising | loan book shrinking |
| 2023-12 | 3 |  |  |
| 2024-03 | 5 | losing money, charge-offs p90 |  |
| 2024-06 | 4 |  | charge-offs p90 |
| 2024-09 | 5 | charge-offs p90, members leaving | assets shrinking |
| 2024-12 | 1 |  | delinquency rising, losing money, charge-offs p90, members leaving |
| 2025-03 | 5 | losing money, margin squeeze, charge-offs p90, members leaving |  |
| 2025-06 | 2 |  | delinquency 2x band, margin squeeze, members leaving |
| 2025-09 | 3 | net worth falling, loan book shrinking | charge-offs p90 |
| 2025-12 | 4 | margin squeeze |  |
| 2026-03 | 1 | delinquency 2x band | losing money, net worth falling, loan book shrinking, margin squeeze |

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

- 2026-01-21 [Students, Faculty, and Staff Can Enjoy Exclusive Benefits from the Only HBCU Credit Union in Alabama - aamu.edu](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPaG11bGduQWg0b2RDb3FBQUhSV0pwczNsX0l6ZE85WENXeC1iMHJnZE9KWmlsZG43UnpIYjBnLUd2czZQSEV2cGFqc1QwTnZ5VTM4LWtqWnVpd1pRXy1ZenMtZ3ZzTnlQSi1KaGJvX0J0ajJDcjMyWDdydzBaSkdYN0gxMkx6cmNGanZ4Skc4SlpYaWlWYkZkMlRQZUVDOFJiYmZqMUlLRUdQR2Jzb3ZUVUR5X2Q5UmFQWHRUYmVfNXVDbkdLYzZ3Nlp2eFZIbFgwa01BdFpzRk5aYnEzS1h6RA?oc=5) · aamu.edu
- 2025-08-29 [Where young professionals are living in Huntsville - Hville Blast](https://news.google.com/rss/articles/CBMigAFBVV95cUxPX3U5UFBZZFYtTkhGd2JGVExDS3dHNTRHSXJ0TmVlc1Y0Ulh4Q3Vwc082OVdYYUJ3Sjg1TTU3cWVQQkJPLWxnajdXb3ZVb0dpQ1ZaYUp0SnhOY3kwS0FCUTdCekVQSG96UW1JbjUwMXYtdmVmZGNBNFVtZkdWdmZhNQ?oc=5) · Hville Blast
- 2016-07-24 [AAMU Community Have You Noticed The Hustle And Bustle Throughout The Hill? - HBCU Buzz](https://news.google.com/rss/articles/CBMihwFBVV95cUxNQ0lpdTU4U3BTZzF0X18yYlc1dG9XY1JSRXVnRFFobnVhTkIxVVJrcEdyYmhiSndSWkd6cy1kSUhwNXZIVW9Jci01b2toY1BMM1Y1bHlsVHByVlNtQzRBeEZ0R2FKSUlkS0l4Tkd4UFJ0Q2pZXy1KQWc3eTJZS1lNNEpUa1lQRWM?oc=5) · HBCU Buzz

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9554 (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/18.json (key "9554", 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=9554
- 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