# U.P.S.
Cincinnati, OH · NCUA charter 96799 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/u-p-s-96799

Who the members are: state charter. 597 members of 5,000 potential (11.9% of the field); checking penetration 12% (share draft accounts per 100 members); loans per 100 members 24.

**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 | $3.3M |
| Members | 597 (-5.4% YoY) |
| Full-time staff | 2 |
| Net worth | $415,123 |
| Net worth ratio | 12.5% (p34 of band) |
| ROA (annualized) | 0.01% (p24 of band) |
| Total delinquency | 1.35% (p69 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 81% (p83 of band) |
| Cash / assets | 27.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.72% (p80 of band) |
| Operating expense / assets | 5.64% (p86 of band) |
| Vehicles % of loans | 89% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.41% (p72 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 | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,190 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $16,643 |
| Loans granted, annualized | $871,904 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, expense trap, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 5 | delinquency rising, members leaving |  |
| 2017-06 | 6 | net worth falling |  |
| 2017-09 | 5 |  | members leaving |
| 2017-12 | 5 | members leaving, loan book shrinking | delinquency rising, net worth falling |
| 2018-03 | 5 |  |  |
| 2018-06 | 6 | net worth falling |  |
| 2018-09 | 6 | delinquency rising | loan book shrinking |
| 2018-12 | 6 | assets shrinking | net worth falling |
| 2019-03 | 4 |  | expense trap, assets shrinking |
| 2019-06 | 6 | net worth falling, delinquency 2x band |  |
| 2019-09 | 5 | charge-offs p90, assets shrinking | members leaving, delinquency rising, delinquency 2x band |
| 2019-12 | 5 | expense trap | net worth falling |
| 2020-03 | 4 | members leaving | charge-offs p90, expense trap |
| 2020-06 | 2 |  | losing money, assets shrinking |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | losing money |  |
| 2021-03 | 5 | net worth falling, margin squeeze, charge-offs p90 | losing money |
| 2021-06 | 4 |  | margin squeeze |
| 2021-09 | 6 | delinquency 2x band, delinquency rising |  |
| 2021-12 | 3 | losing money | net worth falling, charge-offs p90, delinquency 2x band, delinquency rising |
| 2022-03 | 2 |  | losing money |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | assets shrinking |  |
| 2022-12 | 5 | delinquency 2x band, delinquency rising, loans>95% of shares | assets shrinking |
| 2023-03 | 5 | assets shrinking | delinquency 2x band |
| 2023-06 | 6 | delinquency 2x band |  |
| 2023-09 | 3 |  | members leaving, loans>95% of shares, delinquency 2x band |
| 2023-12 | 7 | net worth falling, losing money, expense trap, members leaving, loan book shrinking | delinquency rising |
| 2024-03 | 6 | delinquency 2x band, delinquency rising | net worth falling, losing money, expense trap |
| 2024-06 | 6 |  |  |
| 2024-09 | 6 | expense trap | loan book shrinking |
| 2024-12 | 6 |  |  |
| 2025-03 | 8 | net worth falling, losing money, charge-offs p90 | expense trap |
| 2025-06 | 6 |  | net worth falling, losing money |
| 2025-09 | 4 | losing money | delinquency 2x band, delinquency rising, charge-offs p90 |
| 2025-12 | 3 |  | assets shrinking |
| 2026-03 | 4 | net worth falling, delinquency 2x band | losing money |

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

- 2026-04-06 [Chamber Update: Pitchfest sign ups, Chamber Awards Gala - hometownstations.com](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPdWFMN3dqbnJmczdKUkcwSnowM1d4cDlKcXJWYXZoYWN3TnlubWxHdTd2VUdfUGNOa0VEOXFIeTFqYW5JX3Rnb1lWZEFTOUViaEJpQkk0d01Va29sUTdfMk0yS1IzLWp2czZGY0h3ZElTb0htWU1MMVlsUkxfOGNfdkN1cUpzek1nOFVDQi1TTTh3NVRnRkhKQ1lia2RpeUlQMVJrdnBvdUNaNHFYUnlHOWh4ekFsUlV6Nl9fcWwwVk85bjdYX3laY0Z6bEdWbnpLbEI5R1JEdlUzMDc0ejR1SlR4X3hYcFhK?oc=5) · hometownstations.com
- 2021-08-20 [Spate of August deals doubles 2021’s bank acquisitions by credit unions - Banking Dive](https://news.google.com/rss/articles/CBMirAFBVV95cUxQT1ljRTcyZTRtN2JIWm1XSnlyc2RuVzhUbnI2UkdGNERqMDdzQ0xMRmxqTXYzQ0xCRXQtY01BcG9SZXZuN1NzZ09lNmJ1dDctRTBPWjZoUG1SSHNNU3l0djJKelFqNjdyazQ0UnVhZHFheVIwTmhwc2wxY2JPR2w0Q3dJTzE5VzMzSDFLWkdaaUlqUmtxRVhhV3hkdXU0TzhpaHJWOC03NS1ZbFY5?oc=5) · Banking Dive
- 2020-03-04 [Oh, O’Neill address Red Lion Road UPS center - Northeast Times](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQeUdPOUxqaDBobXd4SUdvRTFsdVZjT3Z3bV93SHd2Y0JXTEljYVRFQkR4T0RHQ0o2Q1I2SlhDX1ZVTGFXWk1uQXIzUkVWdmY2bGdkc3FxbDAwOGU5c3pmSy00SVMtU25wbUhUUVMtc1FyWnR2UjVFODQ2NEFCVGZuYkh3SkxUMHFH?oc=5) · Northeast Times
- 2023-08-30 [Michigan credit union buys Chicago-area bank in August deal surge - Banking Dive](https://news.google.com/rss/articles/CBMixwFBVV95cUxPc1h5WlpLTXg1am5xSkJ0NzNUTjc0YTZQM3ZHd3NtN0pKbTVVREhScTNyUUtseXNQNFlSZG5YSU1OOVRzRmdXcXRqczMwVHdrMDRQSUJmc2gzamxQeHU1Vm84QU4xcWFIWVJXWk9aVGl2b3E2ckdtRWxfTTVjckZyMzdsbDZ4b2ViSHJsV2ppU3ViLWxhMENLc3I5eTZ6cXJqSXk0XzdrZWlmd0hXdXpTTWpWdlh4WGdRWGRsUW9xRmt3N0ZRWUQ4?oc=5) · Banking Dive
- 2024-11-05 [Are banks, post offices, UPS and FedEx open on Election Day? Here's what we know - USA Today](https://news.google.com/rss/articles/CBMitAFBVV95cUxOTElwNHVDZDlWa3ZMY2RkSjJxeGVCc0JBQnVLRTVSbWhaU1RFUmdIbFUtZnhiUUFDMnlBQXRpNzV4TnN3Ny1JcG9RLW96LUx4OVlSZmlJQWFDSExFNk05X095ZTc1Sms3Q2VMQWVjQzAxd2d5ZFEtX29mV0dfMFk5ckpHMVdJQ0JObldPaXRkdHB3QWR2cWZGT1ZTRDNnbmQwS2x6YnljYlc3RmkzWWZwV0Y0ZTc?oc=5) · USA Today
- 2024-04-01 [103 Fintech Companies and Startups to Know - Built In](https://news.google.com/rss/articles/CBMicEFVX3lxTE9Fd2IxeE96MkVpcVVrdGY2ZWV1Z255eHEzd1BIUXZGWkl5WVdZLUdnVHhKWWRJdEY0NmFqd193ckVuNmpNNGtYVjQ1UXdXb09fQ3FkVDk0enRmMDl4M2QyY2ZfdjN2YTJ2U0M3YkFfUzk?oc=5) · Built In
- 2021-11-23 [These days, Capitol Hill townhomes aren't for living in. They're for lobbying. - Politico](https://news.google.com/rss/articles/CBMiigFBVV95cUxQclhrMms5RElWVlRzQ2NJLWlZSS1naFRIOS1wdXgtdVYxZm5oYm1DMms4czE1RVlYc0hYaUxQMzFERUVJejFyTWFCUERnYV8zWVRNa1NTN1NmMlhiZlU3UzBCU1lScnEwRVN6S3pnN1BPWk9Sa0ZYbXRJN2lUZnVacWNUVkF5bU9PYWc?oc=5) · Politico
- 2015-08-15 [Chad A. McCahill Obituary Aug 15, 2015 - Geib Funeral Homes and Crematories](https://news.google.com/rss/articles/CBMiZEFVX3lxTE8zTFBzYk9LdzNMV0ptZDdJVlFKSUlnSDdGVS12bzhGeWtwZTFmeEp4Skdmd1lFVmFBcWp1RnN5WmVvSTNYTmNVU2duTTZyZHJSdUFkOXp2eUdDR1hxZUpVM2F0c2Y?oc=5) · Geib Funeral Homes and Crematories

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=96799 (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/31.json (key "96799", 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=96799
- 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