# YOUNGSTOWN CITY SCHOOLS
Youngstown, OH · NCUA charter 96812 · asset band <$50M · latest filing 2023-09 · stopped filing after 2023-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/youngstown-city-schools-96812

Who the members are: state charter. 1,146 members of 2,500 potential (45.8% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $7.2M |
| Members | 1,146 (-4.7% YoY) |
| Full-time staff | 1 |
| Net worth | $2.8M |
| Net worth ratio | 39.8% (p98 of band) |
| ROA (annualized) | -0.06% (p17 of band) |
| Total delinquency | 0.63% (p53 of band) |
| Net charge-offs (annualized) | 1.31% (p92 of band) |
| Loans / shares | 77% (p71 of band) |
| Cash / assets | 32.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.11% (p38 of band) |
| Operating expense / assets | 2.53% (p27 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 | 0.54% (p55 of band) |
| Vehicle NCO | 1.52% (p95 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 | 90% |
| Certificates % of member funds | 10% |
| Average share balance | $3,077 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $9,310 |
| Loans granted, annualized | $1.4M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 3 | assets shrinking |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | assets shrinking |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | assets shrinking |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 | delinquency rising | assets shrinking |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | delinquency 2x band |  |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 5 | loan book shrinking |  |
| 2020-12 | 5 | members leaving | net worth falling |
| 2021-03 | 7 | losing money, margin squeeze |  |
| 2021-06 | 6 | net worth falling | delinquency rising, loan book shrinking |
| 2021-09 | 5 |  | margin squeeze |
| 2021-12 | 2 |  | members leaving, losing money, net worth falling |
| 2022-03 | 3 | losing money |  |
| 2022-06 | 4 | net worth falling |  |
| 2022-09 | 3 | assets shrinking | delinquency 2x band, net worth falling |
| 2022-12 | 4 | delinquency 2x band |  |
| 2023-03 | 4 | charge-offs p90 | delinquency 2x band |
| 2023-06 | 4 | members leaving | losing money |
| 2023-09 | 5 | losing money |  |

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

- 2026-03-09 [7 17 Credit Union reaches milestone: $2 billion in assets - CUInsight](https://news.google.com/rss/articles/CBMinAFBVV95cUxOSjRnT2ZTU3JEd2toSGEwUklGRTFYYVNkTEdWWEs4MTBHNDNESEtERV9SUDJqY0dPZTVQV2ZXNzZUSE9YYko1VFlNeVdSdXdJOFVvT3Y3d1phNUZkZTMya1U4UTlhUTU0MkNzUzBfZzJDLUtfMUtJT2hlaGRqXy0wU2FpMC1rbVhNV3p1WVAzQ2UyWEZJQmhlVmZnbEw?oc=5) · CUInsight
- 2026-03-05 [717 Credit Union Surpasses $2B in Assets - Business Journal Daily](https://news.google.com/rss/articles/CBMifkFVX3lxTFBoR1lXbHdieGtPWlJobjA0UjVWVENKMThyQVJlOVc1bjdEWGJFaG9ZZkJNU0tLZnlPZS1tZ2s3akM3UTB4ZzNZRUJFMGpaeHlmTWNLQnREbHIwT0l2X2hnRTN0WFkzN29jUnFVb3NLVVdKalZRTlMtQXlVVHU5UQ?oc=5) · Business Journal Daily
- 2021-02-01 [Cataldo “Chuck” Burelli, Jr., Youngstown, Ohio - WKBN.com](https://news.google.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?oc=5) · WKBN.com
- 2024-11-19 [Giving Back to Its Roots: 717 Credit Union Deepens Ties with Valley - Business Journal Daily](https://news.google.com/rss/articles/CBMiogFBVV95cUxNOFZKc1E1ZHJjY1U1T0JPOVJSWVo1QUFfUjlNWWhIU2FVSVdlLTVTTnZPRXZTSUdDX0hDcFJiTkpDeDV0Yi1aVjNldXd1cWxUZzBROFppdTJCWkpWcTJLM0kzUURsV0ZKam56N1gzYjBRbVFXbFVUOVJuUXhOek9VVzdHN1k3Y29JUThJZlVUWlBRTGp1LU5zTmIwVTlkdFRWNmc?oc=5) · Business Journal Daily

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=96812 (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/44.json (key "96812", 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=96812
- 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