# MAUMEE VALLEY
Toledo, OH · NCUA charter 97053 · asset band <$50M · latest filing 2025-09 · stopped filing after 2025-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/maumee-valley-97053

Who the members are: state charter, organized 1942. 2,097 members of 4,200 potential (49.9% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 60.

**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 | $19.4M |
| Members | 2,097 (-23.0% YoY) |
| Full-time staff | 4 |
| Net worth | $2.0M |
| Net worth ratio | 10.2% (p17 of band) |
| ROA (annualized) | -2.28% (p3 of band) |
| Total delinquency | 0.26% (p34 of band) |
| Net charge-offs (annualized) | 0.18% (p50 of band) |
| Loans / shares | 54% (p40 of band) |
| Cash / assets | 47.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.95% (p49 of band) |
| Operating expense / assets | 6.83% (p93 of band) |
| Vehicles % of loans | 56% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 38% |
| Third-party paper % of net worth | 101% (p97 of band) |
| Vehicle delinquency | 0.30% (p43 of band) |
| Vehicle NCO | 0.05% (p52 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 16% |
| Credit cards % of loans | 10% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 16% |
| Average share balance | $4,849 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $7,457 |
| Loans granted, annualized | $2.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## 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 | 2 | net worth falling, members leaving |  |
| 2017-06 | 2 | 3rd-party paper>100% NW | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | members leaving |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 3 | leaning on borrowings |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 1 |  | net worth falling, leaning on borrowings |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 4 | assets shrinking, loan book shrinking |  |
| 2019-09 | 3 |  | delinquency rising |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | losing money, charge-offs p90 | loan book shrinking |
| 2020-06 | 4 | net worth falling, auto monoline | assets shrinking, charge-offs p90 |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | net worth falling | losing money |
| 2021-06 | 4 | delinquency rising |  |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 3 | loan book shrinking | delinquency rising |
| 2022-03 | 5 | net worth falling, losing money |  |
| 2022-06 | 6 | delinquency rising, members leaving | net worth falling |
| 2022-09 | 4 |  | loan book shrinking, delinquency rising |
| 2022-12 | 4 | delinquency rising | members leaving |
| 2023-03 | 5 | assets shrinking, members leaving | losing money |
| 2023-06 | 3 |  | delinquency rising, members leaving |
| 2023-09 | 4 | delinquency 2x band, delinquency rising | auto monoline |
| 2023-12 | 5 | losing money |  |
| 2024-03 | 6 | charge-offs p90, members leaving | delinquency 2x band |
| 2024-06 | 6 | loan book shrinking | charge-offs p90 |
| 2024-09 | 6 | charge-offs p90 | delinquency rising |
| 2024-12 | 6 |  |  |
| 2025-03 | 4 |  | 3rd-party paper>100% NW, charge-offs p90 |
| 2025-06 | 6 | net worth falling, 3rd-party paper>100% NW |  |
| 2025-09 | 7 | expense trap |  |

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

- 2025-12-02 [NCUA Approves 41 Credit Union Mergers During 2025’s Third Quarter - CUTimes](https://news.google.com/rss/articles/CBMiogFBVV95cUxQV1IxTmFXNzRCTWxqWW5zOHBOLWVlZGo0MzZGV2ZqTWlCUkpfNXRtc0FUNXBWZjdRemt6eDBXdGZKa0M4aklYRTlQcGY0dHlTTjNjaVpLa040VnM2T3dScjh1YUhYdFprZU9fWVBjYlF2WVNkM1p4amZpTEhHVE5yNzA3X2lIVVQ4WV94bHVvd1lOdGE0U3E3eU5QX1E1UVprX0E?oc=5) · CUTimes
- 2022-10-11 [City of Toledo Department of Housing and Community Development Launch… - toledo.oh.gov](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOUmw4RmJLeVhHTVh6TktDVjFITnRpYWh6Q09lYzlRaVpDWWJ0SFAxd3NicDM4cWFpcUE3SXlZVVdYSkE4NktqTk96Wm1nWEh1RldRMjVIQWZ6UVh5ZnRVUjVCZFV4eVNxdTlTOTJUTkh6eGhzdGFEZTF6SUR3aGtpVklSUG5ZdzZ6ZHZVSi1NRE9SQkZuekRLZ29abzAySjV3NFIydVEtU2JyNHBFR0tpdXc0aFN4NGU2azJsUnktVk55OHdXSXZBTHlsc2hIbzk5emY5bDhVNFBEODB6UzdlRkNqdVlhUGM?oc=5) · toledo.oh.gov
- 2025-12-19 [Robert Clarence Geisert Obituary Aug 11, 2022 - Eggleston Meinert & Pavley Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE85TDFzN19kN2xWSko4SFNxdU5ra2dTMTgyNGU3WktWZmFmelZyZVhsQXc1YUhHSUVlTEhkT2R5YmVfWkg0dkFwTk1rcUtDb1E5ZE45OTE1RzVjbUNsa1hsVjQ5RThOUV9nMFE?oc=5) · Eggleston Meinert &amp; Pavley Funeral Home
- 2025-08-13 [NCUA Approves 45 Credit Union Mergers During 2025’s Second Quarter - CUTimes](https://news.google.com/rss/articles/CBMiowFBVV95cUxQQkU1Wk5iWXZYbVlIaVFEbVc2VkFZQkEwaE0yWmZZODNNVjg4WFdyeDk0VnJPbkEzLXljSDNydkJDM2d4R1h2aU5oeUJmQmE4TENlcWY5TEtZWnlZWjdYcmdMQ01RNlBkV01pdl8wb2FDaW5NYVBXWDY4OTVVYmp1SVFfQ0JHMWtFVmRoUEhjeHl5c3NTTDQtTVhReGo2Y0NuZkFn?oc=5) · CUTimes
- 2022-07-20 [U.S. House passes bills with millions in funding for NW Ohio projects - 13abc.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOcVdxMTBENGNzZGVEZlpsTnkxcDNTdWhyTlBLcFNFQS03ZHd4UlRPbDlLNTA2bEhvbThnZ0FTNUs2M2JUSU83SWp0WmdRQVBlTndNV2FENlIyQkdVaks3MFZfcUtSWUpmX3R2NjdDU2V3Tm9feFp0MTA4X3EzdzVJbmhZTFlhZGVoRnpDanFQQ3plZVF3OE1qTlJR0gGuAUFVX3lxTFBOTmFMbjQ0Rm0wWjJLR3JQX3IxMkFOZlJIUzhhRzJRS2xBdlR3U2JaNWVWdGxzcVc5b0NBREVjOFZuWkNlVDA1YkpQQTNYSU1vVmFsNDU4S1VuZmgzUFQ1WjFPNWVsWTdpWDlRVmpUbWJuT05CRmZQQkJDTnpHMzMyTlBUZHYwckRwWjZFTEJWa19WR3ZDaHhEN2pMTThRcjFvd19zbk1qQmRDUEtiQQ?oc=5) · 13abc.com
- 2023-08-24 [Rooftops Repair Program Achievements and Updates - toledo.oh.gov](https://news.google.com/rss/articles/CBMizAJBVV95cUxOTWZMNVRFQ01YTzJ4dGpfaXk4TVZyQ2kzS2VCMDg1Sml0cVVFS3NfSFBueUN2WmxucUVyQ3dzVnlzSkE0cjFIa0hYQWltTklpMXN1OWhITGYwZWI0eDg5b0ljdThJMzNoQ0dfVmdJTnQ0Z0h6aG5pSHpSVmhZMVdaNURqa052SUUxeklMWVItaVZJVnktVzVkZXBVY0ppcW9RT2Nsa1ZZLVh1ZFU1eGtjRzc1Mnl5V1RGZlF1MU5jOTJJcDZ6ek9CcUNUVGtNcjJzNFo1Rlc0aU1lMnNXNmRiR3diRGhuS1dyLWsxZHZGUUpNLTF6ZDVhZ2t0bmhmTjZjOUcxNFJWVmVrb0Q4c3h0WHlELXRERVpLaWUxWkJDTzBTWUxIZzhiSjNPVkxYU2k4VVpwV0cxS0xUZ0Y0MmZFeGdLWGl5T2xIeS1XTw?oc=5) · toledo.oh.gov
- 2015-08-15 [George Peuhl Obituary Aug 15, 2015 - walkerfuneralhomes.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE1yMHNsVUhVemtyak5UWnZvcEo5ZFZOUFk1YUpQRWQ2cE5kbVEzSnVpZzFtVFVaRkFEOHV4LXN2cXJMeEZDdWhtam1GV1E0UDd5b1NoNjZNQmczNEc5X1BleFZNVTZ2aG5XS3c?oc=5) · walkerfuneralhomes.com
- 2015-07-28 [Thomas Beidleman Obituary (2015) - Maumee, OH - The Blade - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxORjBTVEl6dnBRWWhiaElFeUU0OHJKOW1BbEFhU2JIbjZfbDYzS0gxVUdNRGM3TlIzWHJtUzVmZHdKWGhkWXBCenR5OVNjYWkxWUFHeThNa2ZnRG9odzliSHFCZXd1dFhWWTBYYVEwM0M4ZVZvd0FnM01yYWRUSVlHQ1JzQVFYanJ0X0c5QmlNM1luY3hZdVE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97053 (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/29.json (key "97053", 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=97053
- 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