# ANTIOCH
Cleveland, OH · NCUA charter 96660 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/antioch-96660

Who the members are: state charter, low-income designated, minority depository institution. 728 members of 40,000 potential (1.8% of the field); checking penetration 14% (share draft accounts per 100 members); loans per 100 members 9.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.6M |
| Members | 728 (0.0% YoY) |
| Full-time staff | 1 |
| Net worth | $906,973 |
| Net worth ratio | 34.9% (p95 of band) |
| ROA (annualized) | -1.82% (p6 of band) |
| Total delinquency | 7.98% (p97 of band) |
| Net charge-offs (annualized) | 6.68% (p98 of band) |
| Loans / shares | 17% (p4 of band) |
| Cash / assets | 44.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.84% (p15 of band) |
| Operating expense / assets | 4.66% (p73 of band) |
| Vehicles % of loans | 70% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 10.93% (p98 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 | 30% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 99% |
| Certificates % of member funds | 0% |
| Average share balance | $1,711 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 9% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $4,466 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## 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 | 2 | members leaving |  |
| 2017-06 | 2 | net worth falling | members leaving |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | charge-offs p90, loan book shrinking |  |
| 2018-06 | 6 | net worth falling, delinquency rising, members leaving |  |
| 2018-09 | 5 |  | members leaving |
| 2018-12 | 4 |  | delinquency rising |
| 2019-03 | 3 | members leaving | loan book shrinking, net worth falling |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | losing money |  |
| 2019-12 | 5 | assets shrinking |  |
| 2020-03 | 4 | loan book shrinking | charge-offs p90, assets shrinking |
| 2020-06 | 4 | net worth falling | loan book shrinking |
| 2020-09 | 5 | margin squeeze |  |
| 2020-12 | 5 | loan book shrinking | members leaving |
| 2021-03 | 6 | charge-offs p90 |  |
| 2021-06 | 6 | members leaving | charge-offs p90 |
| 2021-09 | 6 | charge-offs p90 | loan book shrinking |
| 2021-12 | 5 |  | charge-offs p90 |
| 2022-03 | 4 |  | margin squeeze |
| 2022-06 | 4 |  |  |
| 2022-09 | 3 |  | members leaving |
| 2022-12 | 1 |  | delinquency 2x band, net worth falling |
| 2023-03 | 0 |  | losing money |
| 2023-06 | 1 | charge-offs p90 |  |
| 2023-09 | 2 | assets shrinking, auto monoline | charge-offs p90 |
| 2023-12 | 3 | members leaving |  |
| 2024-03 | 2 | delinquency rising | assets shrinking, auto monoline |
| 2024-06 | 4 | assets shrinking, auto monoline |  |
| 2024-09 | 3 |  | members leaving |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 3 | delinquency 2x band |  |
| 2025-06 | 4 | charge-offs p90, loan book shrinking | delinquency 2x band |
| 2025-09 | 7 | losing money, delinquency 2x band, delinquency rising |  |
| 2025-12 | 7 | members leaving | charge-offs p90 |
| 2026-03 | 7 | charge-offs p90 | members leaving |

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

- 2025-11-22 [David L. Poliquin Obituary Nov 22, 2025 - newcomerdayton.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9CeFFfaDI0TE5TNTRaVFk3QkduYUpHSnFhS3ZMdXNkdUE4bUtGU1pDSXA3S2U4Q3JVak9aSFdfSlY2b2s5U2VqaW1OY3BwWnVsblQ4bkt1UG1BZ1ctRE1jNmU0UHAxVnM?oc=5) · newcomerdayton.com
- 2026-03-18 [William A. Johnson Obituary (2026) - Cleveland, OH - E. F. Boyd & Son Funeral Home - Warrensville Heights - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQdjNIU0ktRDJHNG1qQWhTQmsyTHRiS0ZnMmJFak1JbVp3M0FqUkhlLWdOTUFMYTNyMTdvME9GNlY3d0s5dlNKYnBlRF9hMkhmWXB0Sm8tSzQ4SVZxNUFHWmVjMGtsZEd5dF9oUkF2SHFOeEROelllaXVyVEtpUlE4QlB1a2I?oc=5) · legacy.com
- 2026-09-05 [Private university sues coalition it helped launch, alleging 'hostile takeover' of operations - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPZURSODNpazVlbzRVdDNnZVA0VjVkOFl3a3BjXzhiQnJ1bmptYjk4X20xVzA1RU1aZFFfVWc0czFHOFN4U2VUOGstRTlQam9faGpzakFlODhVNmZFYXE2YmxlRkl6Vkd1NzVyOFkwTC1xbWZWOGRDUEJnUFJSMU9xM0tuREtrNUdZOGQ0dUIyWHlQbGFUUkMwZ0RWTHk2NDQyaWxDTW1SQQ?oc=5) · The Business Journals
- 2010-09-15 [OVCCU Celebrates Its Golden Anniversary - wetzelchronicle.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPX1VLSk5JaF9oajZDSUFKdWR6RThvMnBhS1YxN3ktTTR0RmRiaUwzaS1uNVZnYmVrYTVER09WRk1YVnBZaGg3eUFqakhyak4tbXk1OTJ4Zkk5eXdNY2R2dkpoZVZWeEliVEUyQWxmN3BURmFrMmNoaDVGbGhfUjN2TkZkY3FJUzB5aW15bnZ4LTBhUQ?oc=5) · wetzelchronicle.com
- 2023-07-04 [Robert Herman Ogilvie Obituary Jul 4, 2023 - Strang Funeral Home of Antioch](https://news.google.com/rss/articles/CBMiXEFVX3lxTE5zMkN0SGR6TnNUWkZRUERKcHZhWFAwM3pid2M5emtVRTZZRnVFX3VPMEhpQ0pZSFFNZTF3SkFPV28zT2pxQk5JY05mTXVMTWhQUnMzeXA2X1J1T2x5?oc=5) · Strang Funeral Home of Antioch
- 2026-01-19 [Betty Barnett Obituary (01/28/1928 - 01/10/2026) - Cleveland, OH - Cleveland.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPVWN3S3pYbFZpUEZJM3VLYU5jR0lmQlhvUlo5OTAtMjFBLVlSa0VLa1JianhMZzZUTlFuQlIwMzhLcFBieFhJY21kOWlsZDE0WXZhRm1nSDZjZklzakc1OFhzYnItRGwzbHU1WUxxWm1YTUduUWhjV0FuelpPLVJJRjdzeElQVkNzT1ZpRHpGY21zeldHSWc?oc=5) · Cleveland.com
- 2022-03-28 [Whiskey Myers Releases New Track ‘Antioch’ From Forthcoming ‘Tornillo’ Album - countrynow.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQZUdOcDh3SEhwUjU2ZEt4eDFqajFVWlBLQllPZlFLNFBGc3IzVzBZQ2JtLVVVTHNlakFUOVZwS0pxRWxvRjFkYkJWaDlvVlJrNWJuUEhVYWpJTmpDOExTX0VEdWdidFU5WWpEaDU2bEdTYUthblF1ODhpeWVZMlI4d3FKSFR5RmFkWXYyelFOelZQNVQtaGFpVzd6TzU?oc=5) · countrynow.com
- 2004-03-12 [Herschel Lykins Obituary Mar 12, 2004 - Routsong Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMiYEFVX3lxTE90XzZ6RDhQYVQzTHJybXFUVGtVaDZtQTE2MjBhOVpjUDZ6X2RlQXItNHBPX29uZURxSzdGM1B1c3NCSmRPMGllVWJVRWVhdlJyVVZTOGZYeFBuTm1qcDMzNw?oc=5) · Routsong Funeral Home &amp; Cremation Services

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=96660 (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/20.json (key "96660", 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=96660
- 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