# MEMBERS CHOICE
GREENVILLE, OH · NCUA charter 96711 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/members-choice-96711

Who the members are: state charter. 3,348 members of 10,000 potential (33.5% of the field); checking penetration 31% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *fortress*. 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 | $37.5M |
| Members | 3,348 (1.1% YoY) |
| Full-time staff | 5 |
| Net worth | $6.8M |
| Net worth ratio | 18.2% (p67 of band) |
| ROA (annualized) | 1.37% (p82 of band) |
| Total delinquency | 0.45% (p42 of band) |
| Net charge-offs (annualized) | 0.00% (p51 of band) |
| Loans / shares | 63% (p57 of band) |
| Cash / assets | 29.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.97% (p18 of band) |
| Operating expense / assets | 2.05% (p12 of band) |
| Vehicles % of loans | 51% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 33% |
| Average share balance | $5,546 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $18,406 |
| Loans granted, annualized | $6.6M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 1 | net worth falling | delinquency rising |
| 2017-09 | 1 | delinquency rising | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 2 | net worth falling, delinquency rising |  |
| 2018-09 | 0 |  | net worth falling, delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | net worth falling, delinquency rising |  |
| 2019-06 | 0 |  | net worth falling, delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 3 | margin squeeze, delinquency rising |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | net worth falling, delinquency rising |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | margin squeeze |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 1 | net worth falling | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 | delinquency rising | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 2 | net worth falling, delinquency rising |  |

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

- 2025-08-11 [Bank OZK Expands in Texas & Georgia With Three New Branches - Arkansas Business](https://news.google.com/rss/articles/CBMifEFVX3lxTE5IczdYdUNybGJRbk9jelQxSkZqYUNibnpER0JHaTg3TDNYUHoyQmRUX2lwQ3NvR2ZHOWZmY3RNUFdGTWRHUEJ1ZldMeGhQZTRLMC1NRWlfWGZ1VHZ3MHRJODVaei1KOWZwaTJVVlN1NjN3bk5CN3NKZVJJV1I?oc=5) · Arkansas Business
- 2018-07-19 [Shirley Ann Heindl Obituary Jul 19, 2018 - Tribute Funeral Homes](https://news.google.com/rss/articles/CBMic0FVX3lxTE1faDZpUGtHZVp6VUI4ckl1X2ZoS3JyUWQ2a09EQWk5dHlWWE5UMkVMb1B5WFNFdlhNNjNJZ1otWkxYQ3VyN1dKeWZPRm9ZcnlTNDJXc0xETXFnSnhsZkZrNXBSdTFGTWRFTVR4dHpJeERiMU0?oc=5) · Tribute Funeral Homes
- 2023-09-02 [Members Choice names Suman CEO, President - The Daily Independent](https://news.google.com/rss/articles/CBMixwFBVV95cUxQREJIeDVFLWtoUHRGaVdhUXJmajF3V2Jxc2tNVGdfNlladjB2elhlSF9VUTNuWlNQQ2xLMk1EcUloOFR3TkFDVGtDcVVZTGJwSzdoNmQ1Q3JkRnJxTmtSSGJlS3BweTBXWnNrd09rN1BCd0QzdFhPUXhCUjNSQkZ4Umx1M0xiVDdBT013VldMME52X1pFaTlXQWdJdHJHZDdwRURBZy1DRnYySUVxYjVETFNCV1FHcmtIXzFZNHhmYkp5Y3lJaHA0?oc=5) · The Daily Independent
- 2025-08-28 [2025 CU Times Luminaries Awards Finalists Announced - CUTimes](https://news.google.com/rss/articles/CBMikAFBVV95cUxPdUVmaGI5bkJnSm1WSU82SmxZOWJKcko2RkdBbFlkUDJWMlNCajFhejlvbS00cFdLSmZyX1FLX24xZlM0UG9PUlowRkVmQlFwaDhEYzZNNVI5NXdqS1hUZ0Y5Z09LNVZyem5oZGcwb2tYLUZnX1h5dkFmbVpoN2ZuOXhKNzdyaWJsT2VOUUlMQ2E?oc=5) · CUTimes
- 2026-04-29 [THE SCOOP: Boba shop brings authentic flavors to Clute - thefacts.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNckt2RUwwOVJqdXhpS3JOVHAyOU1xcHc0dmFVTzAxbmRHNGViSDhjRk1JWkUyVnBWN1FMaE5ja1pwWjVUdWotVmVrY1BpRGpjRWxHSFhOYlFfbmQwRER6MFRlM0JvQWRIZzJJWlRqZkpqb01aYV9aUWVkU3lYWTF2cUUyYU1jcmxMWGhkTFBoSnlKQTVaVEI2Q0M4UklzZjNIQXVqZ3pTRDlWUUJneERuNjNKeEkzLTJSeVZUaXA3aGRMbklTOEFjUUd1RUd2cm5mWllodlpBRQ?oc=5) · thefacts.com
- 2024-03-30 [Lynn Talbert Obituary - Waco, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTE5TVXZwYXk5NEdZelIzZWJ0UTMzenhyYkdzZUsyaF93d0ZzaXJEcHBZUDlfRkFNWk1BRjBMREI0emUwM3JxTEpJZDJ2UF9zZmNvWVQ3YnFwakV3aWVzTVA2d0g2Y0tJdFBaWVVaY1VnVU4wWjNESnA2dE4yNWY?oc=5) · Dignity Memorial
- 2017-02-26 [Sharon Cowan Obituary February 26, 2017 - Grace Gardens Funeral Home & Crematorium](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1rWU9lakE5RUFUWEl1ZTl3dUJ0SFlxVFFfaGJHVW9YTVpfbmRzdl9sMUZZSVZ4UnJlWEVlWGkxeXdQVUdpRUpEUnZsWEFLZWpqY1BmS3J3bVBPTEZCUlh1VlNjVnM?oc=5) · Grace Gardens Funeral Home &amp; Crematorium
- 2021-04-16 [Hope’s Place to have dodge ball tournament to raise funds - irontontribune.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPUWhkTTJEUWYtQy1CZk1KQks0MjVhR2p4blk0Wk1heVpVVzlkZEpCOGQyTnBQSkR3SkxMRU1aU0NBU0xtQkxzUjdjNXVvX1VPTHduazJZODhaR2hyMU9yUUQyYldWanRmVm5BUU1vcHl1UGVoMy1iZTN4TE94VVBLLWZpYkIwRDdsbFVNMTkwZHZjZk9RZUxVWE44OA?oc=5) · irontontribune.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=96711 (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/7.json (key "96711", 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=96711
- 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