# ADAMS COUNTY
Monroe, IN · NCUA charter 95812 · asset band <$50M · latest filing 2019-12 · stopped filing after 2019-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/adams-county-95812

Who the members are: state charter, organized 1946. 1,043 members of 2,700 potential (38.6% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 23.

**Verdict on the desk:** this could be *ordinary*. 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 | $18.4M |
| Members | 1,043 (-6.2% YoY) |
| Full-time staff | 2 |
| Net worth | $4.2M |
| Net worth ratio | 22.8% (p87 of band) |
| ROA (annualized) | 1.23% (p90 of band) |
| Total delinquency | 1.97% (p75 of band) |
| Net charge-offs (annualized) | -0.07% (p6 of band) |
| Loans / shares | 87% (p84 of band) |
| Cash / assets | 22.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.73% (p20 of band) |
| Operating expense / assets | 1.50% (p5 of band) |
| Vehicles % of loans | 1% (p5 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 5.56% (p94 of band) |
| Vehicle NCO | 0.00% (p21 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 89% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 203% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 6% |
| Average share balance | $13,193 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 23% |
| Loans granted per 100 members, annualized | 27% |
| Average loan balance | $50,813 |
| Loans granted, annualized | $11.0M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 0 |  | delinquency 2x band |
| 2018-03 | 1 | delinquency 2x band |  |
| 2018-06 | 0 |  | delinquency 2x band |
| 2018-09 | 3 | delinquency 2x band, assets shrinking, loans>95% of shares |  |
| 2018-12 | 0 |  | delinquency 2x band, assets shrinking, loans>95% of shares |
| 2019-03 | 2 | net worth falling, delinquency 2x band |  |
| 2019-06 | 2 | delinquency rising | net worth falling |
| 2019-09 | 2 | loan book shrinking | delinquency rising |
| 2019-12 | 2 | members leaving | loan book shrinking |

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

- 2026-06-09 [Troopers seek suspect who posed as credit union worker, stole debit card - local21news.com](https://news.google.com/rss/articles/CBMirgJBVV95cUxOQ2VYQlpSU0M2OVdqWjlDcnNfOXFBUjE1dmhnM3ctQmZXQnUyRENuYVI2ZkxWUFlWTXhCWnFPcFlQYlR4VGxjVFFVUGFLTjBQdGUzbjVnQ0V0M1dWbXB0ZnZkYld2WDktcjY0QVNVaEo5OUdjdW0waTFfWEVsWFlINlZ5ODVocTlScFB0UW1RYVFYT3VTcDBfQmo3eDRRZ2dRU3FDWVNhQTY0eWdqMWtZUllwXzU0emV3QUNvYThWZHJYeEltbVBMWUVKN3JsV3pGbExGbTJsSlMwbWVZeDBhN29GRk9mSXh6TVExTWhYcXFBQ1NIZnNNQlk2YnlZZEZvZzVTTGg4cF8weHAyZ0I2VjBOWEtDSFpiSjFyaGZPa0N2WDZTU3NPem8wWmJ6UQ?oc=5) · local21news.com
- 2026-03-17 [Real estate transactions in Adams County for Mar. 9-13, 2026 - Muddy River News](https://news.google.com/rss/articles/CBMiswFBVV95cUxOcDNwbTVxeFNSZE1nVFdycFV4ZkU1WHc3NzF6V196a1lSSTFTcWJyUEE5M3NtbEd1ODN0QnQ0Mnd1RUptcWtRLS1aSUJhT1ZFQ0g2UHRjNlFYU3JIZkJHWG1YNkRUMEVrMXYxUWVMa1M5TW44bUpBek5WVGFNeVBOZWI0YXlObnJuN29IVjhYTldSa3pYYi12bUg3amNCeFRiaWNnN3R6VTluNF9VaDZJMk1nMA?oc=5) · Muddy River News
- 2026-08-03 [Courthouse Records: Civil cases, marriages, and deed transactions through July 30, 2026 - The Natchez Democrat](https://news.google.com/rss/articles/CBMizAFBVV95cUxNN0UzRTVXMGJUM0pRam9iTDJrRFR2UnZudnVDa2NGYXNHWTNSVHA2X3hFTkprVTBmU05vQ09zODYxZHBfUEh1UW5SSnhGNDR3Si1iUHFvdFlaYWYxVlI0d3JFTjRGTDNfdDlsSXFob3dKb2ZqVHhDV1VoLUMxbGU3aTc2OC1sbk1ERldQMEFXRW5wZVhXMkM1N1NkQkJnaUJOdnFXX1laek0zTkhaWnI3VWVLQ0ZQeHdVOFN0M0tJbFdIRWRzZUZPb25MWk8?oc=5) · The Natchez Democrat
- 2026-06-09 [PSP looking for man posing as bank representative from Waynesboro who stole over $2,200 from Adams County victim - Tri-State Alert](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQVWdaZFIxYjJQZEIzeFRFdG93YXU2UFV1YVhYdzVCYzdlOXBNUE9LX21UTEhHV2VHTFpiYjFMQ0s4NExtSVRNS2h3d2o1QVU2WG90Y0lwQlp4ajFNR05BcllkYS10ZjFmQktwN0VZS1FSbXVoVkoxR2RJMDVDeDRZTDNJTUdwNmR5OER1NVdEZl8xXzAxeTc0REhaQV9RQ0o1bUVLRWNrajkxNERNLU9kWUd4MWlmU292UGhGMXN5bndZODdrcHpMWmI3Q0dGb3pla1dWbG1xcw?oc=5) · Tri-State Alert
- 2026-08-07 [Richard L. Hirschy Obituary (1939 - 2026) - Monroe, IN - WFFT-TV 55 News - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPUmx4UTFuSFVleS1heF9YS29YSVFreGJtSlpHLTQtRXB4MWNVemhwZGRNSzZKaExweGk2YnpDa2ZWc0EzNHlHODBSdUhURXZjenRJblBMVTI2UDBQWXRZOVhLa1FVN3pzSXRQSHJOY3FTdUk2dEl1bjR5Y1ZFby03LWZyLWU5NDJoVWhJ?oc=5) · legacy.com
- 2019-11-19 [Now that script's been flipped, will more banks buy credit unions? - American Banker](https://news.google.com/rss/articles/CBMieEFVX3lxTE9hZW5tWUFnZWZvY0w3M1ZnM2x4cTVLeVJiU05zVWFWMVpYV3UyM01tMWJZc0xZeW00Njd1S29oZFBjdzlHanNBS2x3WjN4ZXZBR1NROWNJR21rN1cydVV1dFlIbmd1OG5wcTlGdzlMMksxSW13X192ZA?oc=5) · American Banker
- 2024-04-25 [Adams County Farm Bureau initiates local efforts in agricultural policy development - Ohio Farm Bureau](https://news.google.com/rss/articles/CBMisgFBVV95cUxPT29xdUhTRUM4ZDNQWXFYdnlHVkMwVnFXcjFYbnRKMFFfVzF6dGlJZUZmWEZJeXl0YkMyeWlKbUhtVGxHY2F2WGMwZFo4WXg0dlNRaHBSZWoxN0d4djc1MkxnTWNVNXZvV0s2NTk4VlpwRkJ5eHFBeTM4b3Z1S292Uml0dUxPYVhJT0Vza01zMVN2RVRBMy1sNHJTYmsxYVNndTdab250SmlrS0lDME5SNllB?oc=5) · Ohio Farm Bureau
- 2025-12-23 [Courthouse Records: Civil cases, marriages, and deed transactions through Dec. 18, 2025 - The Natchez Democrat](https://news.google.com/rss/articles/CBMiywFBVV95cUxOWDkwZTdVQ0c3c0Q4QjRYdkJLdlNLRVVCQnVTcWw4OVVNSWZqZngxTXZnUGI1WnJQZHEzV1c3eWNROE5GSGVnRDFSNFlXLTgwZlVkVEJTVl9IdUhQM1VjdGs3R0dPenZnN0RVelYtd2FQZmEzaU9QcV9odU9XS05aNzIzX2lfUWljc0VLVTBXaXk5VVNqZ2pqOTRDZ1Nvak1VR2tQc1ZlUmNnbmtqWHVXbHBaajNscXRqU0ZCUTFxWTk2bVd4U0MzaXNDYw?oc=5) · The Natchez Democrat

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=95812 (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/4.json (key "95812", 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=95812
- 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