# CREDIT UNION ONE
NORTH JACKSON, OH · NCUA charter 96693 · asset band <$50M · latest filing 2017-09 · stopped filing after 2017-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/credit-union-one-96693

Who the members are: state charter, low-income designated. 2,327 members of 8,000 potential (29.1% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 20.

**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 | $10.3M |
| Members | 2,327 (-15.6% YoY) |
| Full-time staff | 5 |
| Net worth | $1.8M |
| Net worth ratio | 17.0% (p74 of band) |
| ROA (annualized) | -1.42% (p5 of band) |
| Total delinquency | 1.94% (p73 of band) |
| Net charge-offs (annualized) | 1.47% (p89 of band) |
| Loans / shares | 30% (p12 of band) |
| Cash / assets | 13.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.39% (p64 of band) |
| Operating expense / assets | 7.43% (p97 of band) |
| Vehicles % of loans | 62% (p65 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 2.58% (p84 of band) |
| Vehicle NCO | 0.88% (p82 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 38% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 6% |
| Average share balance | $1,952 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 20% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $5,592 |
| Loans granted, annualized | $766,741 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | losing money |  |
| 2016-09 | 2 | expense trap |  |
| 2016-12 | 1 |  | losing money |
| 2017-03 | 4 | losing money, members leaving, loan book shrinking |  |
| 2017-06 | 7 | charge-offs p90, assets shrinking, auto monoline |  |
| 2017-09 | 7 | delinquency 2x band | charge-offs p90 |

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

- 2026-09-08 [54 Credit Union Leaders Earn CUDE Designation - cutoday.info](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZVpnbEstUFVkSDRERlRkaWlLX240b3pWSm1DMTN4VW83REFRZzFMU2w5eDcxSGVhRVdnSlk1c3pMcmJtWk5OeUVvb0tLMWVoT3FRNElON1pPM21aZGR0eEI0SWhUY0wtN0lSSDFsSmJBcDQxenBmZFJSbzhNT2tmTFdZTXphWUZtN0E?oc=5) · cutoday.info
- 2026-06-03 [Acquisition expands Cardinal Credit Union to Cleveland - Crain's Cleveland](https://news.google.com/rss/articles/CBMipgFBVV95cUxQQ3ZCNmdlWDZqUkM5d2JiV3d6ZW5NT0NDWnR6UjY5OWJxQ09VRzZsQllUTXhzMXpKQWFNaTdjNmZRcGhmUS1wWGFEUzVUUmt0dWJoWTlvc251dHpnSmtZMDNraktYQ3pndy1RWUwtc0pLbF9HdE1fYklXTjY3bU1VVjE2bGRDTFBGQTd5RUNOdTV1YzFscVBzQzVudTNNY3J5QTlSdlN3?oc=5) · Crain's Cleveland
- 2026-07-06 [Credit Union Auto Securitizations on Fast Track - CUTimes](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNRnZYUE1sdTUzXzBBd0gtX1Y2RDZ6SjJ5UVR6OUU1TEtMT1pSRnBFSkl1V1ZCMU44Y010cnBwb0dZQkZDSHY5Vk1BeUxCMEhTMmRidkFHRlFXYzRZcms3cTlFN3dRcW04ZVRiWHhpZ0NmRE5UZ2FaNTMwVEF5V0tPdldLSUlnWFAyWl9R?oc=5) · CUTimes
- 2026-04-30 [Indiana credit union to buy Ohio bank - Banking Dive](https://news.google.com/rss/articles/CBMikAFBVV95cUxQdENva0ZZYkFiN3BPWmVvS3lrVmd0R0RtQUszamd5U3E0VGFKcTNwbjllTXBDQzcxcldGUGNrYUVtM0s5bUpHTkxYc3dYZDl6OWxGbmNhUkc2Sm5DcGh1NC1BZzZQWm4tYWhxWXZTRHppd2x5TWhOUWx1Q1JfSHN6SFBOVnhTbzA2SmJzdG5uMjA?oc=5) · Banking Dive
- 2026-01-23 [Three Midwest Credit Unions Issue $323 Million in Auto Securities - CUTimes](https://news.google.com/rss/articles/CBMiogFBVV95cUxOX0lKQ1h2ZFlsVzhRMzFIWk9mb0hFZmlCNjJsekY4LTMxWUZBVTdBSkdHZ2szdHpTaGJEWlJaemJMVUx1UVFxVk1RSGpyRzAtSmZKRjdodi05LWpSei1WQm5wY0ZadTc5OGRsYnVmQUtLemxOMDlGR2pndlRKNklGaVYtZE9seUs5MDJUMWZFYjJ5RzJqdS1SYnlseTQyNGJXOHc?oc=5) · CUTimes
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2025-08-21 [Superior Credit Union, one of Ohio’s largest, opens Cincinnati branch with eye toward more - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQSkcyOEphNDJnWmZYNjZkeWlEU1JpaVdkOTJmMFF2MG14Y0Y0UnBCcWNDWG1qTFNjelR1V21MOFdieVdQTkEyRWJkQ3R6YjgtZGVycXlQekV0TGg5dmpLVHZzRkpEZ2VTMEZzcGZqbkNfLS1CVS0xdVo5YnFlX0pGZVVhb1ptT0ZZeEhiU2d4RWZoM3YxT1BVS2hNQk9zRk5lampCU0VzeWUxQ1k?oc=5) · The Business Journals
- 2024-01-24 [8 more credit unions now use Auto Link’s white-label marketing tool - Auto Remarketing](https://news.google.com/rss/articles/CBMitAFBVV95cUxPMUxDeWZKcG1BSk9OLWFmUl9aZnJvRjktRHZ3V2RVZlgxQ0tLZjNWRGU1UzhSQXNkLUplazZIQklvUEZ1bVZNRGg2cW83TEZwejdlUmMtRzQzM1ZIRFJEYU12Qk5Ibi1sbHc4LUx1eU1GUVJ6NndTbjY3WldTdmY1ZFFoNDAtQUJfRnlVa1NUdEpoOWltQldZTk54WUlHXzNtNFpoR2lROUlNRW4wcS1WVXA0OHo?oc=5) · Auto Remarketing

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=96693 (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/53.json (key "96693", 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=96693
- 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