# AKRON POLICE DEPARTMENT
Akron, OH · NCUA charter 96657 · asset band <$50M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/akron-police-department-96657

Who the members are: state charter. 1,911 members of 5,000 potential (38.2% of the field); checking penetration 31% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $10.4M |
| Members | 1,911 (– YoY) |
| Full-time staff | 5 |
| Net worth | $1.1M |
| Net worth ratio | 11.0% (p38 of band) |
| ROA (annualized) | -4.92% (p1 of band) |
| Total delinquency | 1.05% (p57 of band) |
| Net charge-offs (annualized) | 5.22% (p98 of band) |
| Loans / shares | 71% (p75 of band) |
| Cash / assets | 10.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.91% (p79 of band) |
| Operating expense / assets | 5.98% (p92 of band) |
| Vehicles % of loans | 70% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.30% (p42 of band) |
| Vehicle NCO | 2.74% (p96 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 8% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,077 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $9,601 |
| Loans granted, annualized | $2.3M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | losing money, expense trap, charge-offs p90, auto monoline |  |

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

- 2021-02-12 [Akron police officer dies after 'lengthy battle' with COVID-19 - WKYC](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOckZqU0d3RmJiWmpVVFlzN1A5UXZCeXBQSkJqbXlHbi0xbVczMmR0YnY0amo0RkRydEQ2Ml9PQXlDUDk1cHdzNElFYkNKdVpoY2cxanR2MzRlTWkzVUhTQzJtZ1dwZkEwQWJCdUpmYWw1dm9Lc1dMVEFlTXRtZjVxci1uTWRCYTBTYXdvTG9OUDRiNHdfVjlhZGtKYzF5UHNyYmYtX0FTMXFCNmxSYzBJLUQtUWUzWTRMaVlJWS1qQXhLSDFNUHdIVVN3VzRpalZn?oc=5) · WKYC
- 2026-05-11 [What's it like being a news anchor at Cleveland's ABC Channel 5 - Signal Akron](https://news.google.com/rss/articles/CBMizAFBVV95cUxQek90ZmVyR0FQQ0FmaUcxOHFQeGNjcWdSTVVLVEVEYmJVQVdBYzI3SnRWVGhxT2cxcENRaF9Cdkt5Z0ZhOG5MOFp2Q1BVV3piVDZUb1NZX0dEcFliOTZ3OEd3MzlfaTJRVXhZc0VTVzNyUi1pMldpa0Zsd1dSZF82Vzd3Ujk5c0VmTmNmRWI5eUJkRWJFUFlGNzZuc0lsRmFRaUxJZFVra1BrNUtPeDRkMGZkQ2xYejRiRUlvMmVqTkp4UVk2OFcydy1yQ2o?oc=5) · Signal Akron
- 2026-08-14 [Ohio city fires police officer who shot and killed 15-year-old, settles lawsuit with family - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMigAFBVV95cUxOMG1SdUhCWDNoemdtZm16ejdIdkY4aFl4SmFkYVJLRDFBQTh4blRMRlR2cEJhNFhsQXBqR1dXZUNyTDJQTy1TMDMzY21ZSmdsVmEza1pkWldHYkdJcHVZTlNNSVdVRlh2bkh5bW5BUHI4X294UHF2OEhYRmhHUEtxRA?oc=5) · San Diego Union-Tribune
- 2015-02-20 [Akron Police warn of circulating check scam - Cleveland 19 News](https://news.google.com/rss/articles/CBMikAFBVV95cUxQX1lGX0dJeUJ4dTMwNzJsUHBtTGg2WDVKUTNUVFZiaWdOUGthLUdwd3p6bHVNMHFPVnNVZ2lNWXZEZkd1UTUyaTRfOVJYTkRTTjN0STRsa3E0TXk1U1FRdlM1T19WZGQ2eF9TOF8wVDd4WWVqcWxvRmxFOTFJVW9uUlczcmNyOUs0ZmRJNks5UlQ?oc=5) · Cleveland 19 News
- 2024-06-02 [1 man dead, 24 others injured in overnight shooting in Ohio - KOLD](https://news.google.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?oc=5) · KOLD
- 2022-02-07 [Stolen Jeep crashes into Akron convenience store in failed attempt to steal ATM, police say - News 5 Cleveland WEWS](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQN2VFNXpWUjJBT09iSUlKTUFtLTJYdDdkVUkzYVZfQzlvLV9BYU5vM1JudVhob3hjOFJ2LUx0cTQ1X0JybzF4Q2hHZUNrWDNwSHQ3OUxHQmNiOEZlVjcxZkJVeERHclFfSzhXejZSNGdBTl80SlNJcjdXMU5FbnRFdUVqcGlocUxfalVUXy1hYmpKRm0waTVOd0tlSVhDSjNKUU9vRDZIeXhhYnhHNzhsa0R2bXp0dUZOcUFQcjEwTTJ5Q3BwS044aUZudkM0QmdRa2RhSFpXUDVlbVNiSS1xMzZEQWJaTU1IUEVz?oc=5) · News 5 Cleveland WEWS
- 2011-11-01 [Louise Griffiths Obituary Nov 1, 2011 - Hummel Funeral Home & Crematories](https://news.google.com/rss/articles/CBMib0FVX3lxTE9NQXYtOEJFSVJDaWxfVDZzNWtZSHQ2U2t0ZjZQVjNLSzBZM0Vwd0FpbWs1S0gxbnJaYXQtZ1A5d3hmcHFwX3RHcllPVjdRbFl4YW16b1pVMWRLcGFWV25uamI5c0ZIZk9Da09PUVJ4aw?oc=5) · Hummel Funeral Home &amp; Crematories
- 2026-02-09 [Newly passed Akron capital budget has funds for sewers, roads and more - Akron Beacon Journal](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOYXhUNklNN2Zvemc4Vlg2YWVieEpMejUyNVVwOFZHdmtDbWFfbWt2aGxvSDdCMTdWOU9xb1hQUFpTUndrNXdkaHlTUXVoQUpaSjlTc1RUOUQ3Qm1JbGhPelhfQkZSU0Y1d1EwOTJTR2tuNjQ5X0dCRnViZklSVzlJOEtoc2dURW9SMktUUmFzX2pyc2lwT3ZEaEFVNkx0YklRWmFwNjZMV0JReTc2eHktR1U0UVFfTUc0U1dvQmdQMjFsTHhERGxRRkRHUmZkMGpJNHZSRjJTdw?oc=5) · Akron Beacon Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=96657 (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/17.json (key "96657", 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=96657
- 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