# AURGROUP
Fairfield, OH · NCUA charter 96761 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/aurgroup-96761

Who the members are: state charter. 12,939 members of 900,000 potential (1.4% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $204.4M |
| Members | 12,939 (-3.7% YoY) |
| Full-time staff | 48 |
| Net worth | $17.8M |
| Net worth ratio | 8.7% (p11 of band) |
| ROA (annualized) | 0.84% (p62 of band) |
| Total delinquency | 0.57% (p47 of band) |
| Net charge-offs (annualized) | 0.28% (p39 of band) |
| Loans / shares | 61% (p23 of band) |
| Cash / assets | 8.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.71% (p61 of band) |
| Operating expense / assets | 4.32% (p76 of band) |
| Vehicles % of loans | 41% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 66% |
| Third-party paper % of net worth | 222% (p83 of band) |
| Vehicle delinquency | 0.11% (p10 of band) |
| Vehicle NCO | 0.50% (p42 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 46% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 12% |
| Average share balance | $7,459 |
| Participations bought / yr | $4.3M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $23,782 |
| Loans granted, annualized | $35.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, losing money, expense trap, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  | losing money, expense trap |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | losing money |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | delinquency rising |  |
| 2017-12 | 5 | net worth falling, expense trap | delinquency rising |
| 2018-03 | 3 |  | losing money, expense trap |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | leaning on borrowings |  |
| 2018-12 | 3 |  | net worth falling |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | leaning on borrowings |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | delinquency rising |  |
| 2020-06 | 3 | net worth falling | delinquency rising |
| 2020-09 | 3 | auto monoline | net worth falling |
| 2020-12 | 4 | margin squeeze |  |
| 2021-03 | 6 | net worth falling, members leaving |  |
| 2021-06 | 4 |  | margin squeeze, net worth falling |
| 2021-09 | 3 |  | members leaving |
| 2021-12 | 4 | net worth falling |  |
| 2022-03 | 6 | capital below 7% |  |
| 2022-06 | 4 | members leaving | net worth falling, capital below 7% |
| 2022-09 | 5 | delinquency rising |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 6 | assets shrinking |  |
| 2023-06 | 5 |  | auto monoline |
| 2023-09 | 4 |  | delinquency rising |
| 2023-12 | 3 |  | members leaving |
| 2024-03 | 4 | leaning on borrowings |  |
| 2024-06 | 3 |  | leaning on borrowings |
| 2024-09 | 2 |  | assets shrinking |
| 2024-12 | 3 | members leaving |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 5 | delinquency rising, loan book shrinking |  |
| 2025-09 | 4 |  | delinquency rising |
| 2025-12 | 3 |  | loan book shrinking |
| 2026-03 | 4 | delinquency rising |  |

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

- 2024-04-24 [74-year-old woman who allegedly robbed Ohio credit union may have been scam victim, family says - CBS News](https://news.google.com/rss/articles/CBMihwFBVV95cUxOSllmbVNha1RuemJrTHNQV3RZYk5NUE9LdkZiUXlJMEFVdkhwNjU4Z2JrWmtuUF9DTjI2MmlObEpSVlc2djZvNGgtSGlFWHZhTzU1REROX0RTQktqRXNuLWN1T2xFZ1d5VmRkMmV6UC1uLW83ejY3dld2RVlFb1NEWXV0RHkwRTjSAYwBQVVfeXFMTVlfYXJ6NDNEV1lHeUtadDlWUG5EaW0xanNUdExnVzZaaUZ0VEN6YkFpS3FWdTZIUXpNU21nVEJ4aTd1aFVNdFFWTXZpNlRDSllEQXBCUTMtVDRHSkFwb3p3VzhHSEQtZ3lTelJDNE44R1UxZHpHaGdfYWw2N3RlSzczY1d5cjVhbk8wUmM?oc=5) · CBS News
- 2024-04-19 [74-year-old woman arrested after Fairfield Township bank robbed - fox19.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOdkV1MVZuVU9ocS1nZ0Y3N3p3emp3dWQ1T3pFcl9QWG1ta3EwcVlna3ViRUxQcFJFWDdOQlNUSkhfY0kzdFBNOElfN2FXeDhCdDdJTmNzWU1UVkpvaDlEM0hOaUlyU3llLUpzODlOcnJfN1E0WE42eDkzUGUwUEp0R2J3MXVRdDJ5Y2o1QjRNckTSAaQBQVVfeXFMTW1nV21CWUd4OGg0SjZVcG9LUnAxRUJGdHZIaDY2ODRmMnZ4eENxa1pydjUtUngwbHZVWnNHUDRFU2xjYUZmS3NBdlF4eFZFNUE3WlZIdmhLMDR1WjVJWjFDLWxINEo1NG40Rmx4RzBhUE1CWXRfbkU4aWRuQWZERThidlVuUW9iMHE3UXpyWGFkcVJ4aV9hNUYxc2VMbWdfRUJfMTk?oc=5) · fox19.com
- 2024-04-22 [Court docs: 74-year-old woman accused of using handgun to rob bank in Fairfield Township - WLWT](https://news.google.com/rss/articles/CBMingFBVV95cUxQQ3BGOVZYTkhaOEdCSlBvY2puVm1weElxRjFVYjY2bm9KNGE0UUVlLURRcnRmcFRQVlBXWTRJaVFfbEdydmlMNTB6NUNmYnRvTTBXcUQ4d0k3RlJWdUNkSUVnRVdoLTNRdUMzRmFsNFJtOUVwVWVmVUczSVp0eHRzQ201YmZyRHZWdkpPM0JTT05sMEFYS2p5cmU4WUFPZw?oc=5) · WLWT
- 2024-10-15 [75-year-old Hamilton woman sent to prison for robbing credit union - WCPO 9 Cincinnati](https://news.google.com/rss/articles/CBMixAFBVV95cUxQVTE2dmNHTktsZU5wMzhJMGEzVE9LcTBLX2pHTE80VEhScWNhTUMxRmVRdU55S2tsa0hvTmNyV2w3SXhfTnhUWjlyS2ZsME93Y0RSdmpKVmplRC1GX2hsdkNiNlFEa0pvVV9EdmVTNXNKaDBWSGFlTWNXdUlIM0gtTXBwTlNoUHhhZzFzU0lyZ2wzMlg1QlNQRmFaSk9FVThMQ29UNGkxSEdtWVpycHltYWhOWlpqeDk1eXRmMDJOSHZaR29K?oc=5) · WCPO 9 Cincinnati
- 2024-04-24 [Ohio police rebuff 74-year-old woman's excuse for robbing bank - News 5 Cleveland WEWS](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOVTMxd1NpQi1fckxvUkJhSk94cXNzUTVTNUduenBORUVOU1FjTU1OUU9KTlRGWWZ1YWpYM2c3UmlhaDBTTTU2Ull2LWhaT3plQ3o3U2Y3MkxsdkdNeHFwbTJzM3ZTcnc3cEw3bk94bVZVX0hxYkNISHFJcmJsaGlOd01vZWlaR0xfYlY5LW92RmVfS2duZUl2QTZ3emp2ZFo5b0RHRGVaaFZWdw?oc=5) · News 5 Cleveland WEWS
- 2024-10-15 ['I'm sorry': 75-year-old female robber apologizes to sister, bank before heading to prison - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMimwFBVV95cUxPb1lyZjB6cjlIdXYyQnNsU1c2dy1qb2dBWFFKLXFzcDljLVFjcUkxa2tlMUFEcjgyb2owQ2VxN3Q0U1lQY1pVUjlaczJaWnJQVDNIcFdIbnBmX1NKMDN5MW5GbU05TnZGTFZvLVJCTDBXVlpXcnJzdjZkUXpQUnk4U0xfRnpESGc0ak9rUlpjRHdmQ3NvMU5lanZBSQ?oc=5) · Cincinnati Enquirer
- 2024-04-25 [74-year-old Ohio woman charged with bank robbery was victim of a scam, family says - USA Today](https://news.google.com/rss/articles/CBMisgFBVV95cUxOdFc2dG1LRFpXS29QSmNoNUQxUkc3aGs3X3RWUkpFVHFNTHpOLTJ4RHRiRkY1M0tITDEtLVJGRzhiOWJRaGh3dVZsal9tNkNYYkpvWTJKcHdxQ1llaXFJRmpUVVIwendKS05RLUI3OXlkdHR1NkhTX0hJR2RjQml1MXZBTnpweDVCRTN1Nk5TaVdHeUtCbGFFUTNuRERTcWlCcHFOMUFTeEpyRlJzUWtpeXVB?oc=5) · USA Today
- 2024-04-26 [Elderly internet scam victim accused of robbing Ohio bank with gun as a ‘remedy for her situation’ - New York Post](https://news.google.com/rss/articles/CBMitAFBVV95cUxOeFBmOTNIVHlhNWlaVm1uU1dXVGFQazhFSVBIZHNwQUdlaW9pMW5sM1dPREQ0UVUxZnN0R1ZibnEya2ZwU0Z5ODhCSW5VeWJmTHVfMmVPcDZ6YU95NUlKTjlWejAzdnBWeE0yc09uUkRTSE1UaFVnTzJRNGRVZDU0Qld3NU1XdVFGVVVtdTFmOVV2cWxZMlo2MnpERzFLaV9FQ0RlbjlWQnlkVU0xMERXWVJYZ2s?oc=5) · New York Post

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=96761 (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/57.json (key "96761", 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=96761
- 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