# GENERAL
Fort Wayne, IN · NCUA charter 97055 · asset band $50-100M · latest filing 2017-09 · stopped filing after 2017-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/general-97055

Who the members are: state charter, organized 1960. 9,064 members of 697,725 potential (1.3% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $82.2M |
| Members | 9,064 (5.3% YoY) |
| Full-time staff | 23 |
| Net worth | $8.0M |
| Net worth ratio | 9.7% (p36 of band) |
| ROA (annualized) | -0.06% (p9 of band) |
| Total delinquency | 0.49% (p36 of band) |
| Net charge-offs (annualized) | 0.17% (p31 of band) |
| Loans / shares | 77% (p71 of band) |
| Cash / assets | 2.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.29% (p65 of band) |
| Operating expense / assets | 4.03% (p68 of band) |
| Vehicles % of loans | 52% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 65% |
| Third-party paper % of net worth | 244% (p88 of band) |
| Vehicle delinquency | 0.25% (p25 of band) |
| Vehicle NCO | 0.50% (p61 of band) |
| Repossessed % of vehicle book | 0.10% (p82 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 5% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 9% |
| Average share balance | $3,334 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $15,872 |
| Loans granted, annualized | $26.7M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 1 | 3rd-party paper>100% NW |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | losing money |  |

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

- 2026-05-21 [PenFed Credit Union Promotes William Heyer to EVP, General Counsel - PR Newswire](https://news.google.com/rss/articles/CBMivgFBVV95cUxOODRhNkd3UnplV3ZhdHB3aUMwYWhwRTBzbkdoMmxYVWNXaG01MFA0bGhDLUVrcVRMM3ZqX3ljaDVJUEhvWTBPYzJ2Y1JuNDd6a0hfQV90ZGxWQVNkankxUGRWZDJzUnAtc2Z2NmwtVnN5cmpTQ0V1bWZVR0k3bV83bDdmN1FjeHRLa0hMcEJGMHNmeWRia3p2RHhyenRlcENBU3FZdDZtRDFlbDE5NldXd3dLVC1HOThKZHNyVGtB?oc=5) · PR Newswire
- 2026-05-18 [University of Dayton Athletics Announces Strategic Partnership with Wright-Patt Credit Union - daytonflyers.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxObTZFekQ3d1ZheHZaUEZOVFV5ZENCT1MtN1NkMXlld0lnSm9EMmZqNlNPODB4dkRGZkUyNEJ6S0NxdHZhekpsMDVtV0hDVFdoR1dST1RKUjhwOWhBZnVXZXh6d0c4MGV1a3R0dW5iTjFCRzkzN3pLVmJEUGROdGVKSTl0QnBvaFR6NElrOUJEaWlhV2owUERpNUdhbFQzVi1MUzNmcjl1RXZfVWJEbVc2VXdRLXczMHFwcUhzZnQ3d0F0V19IQjdXTmNSeF9xOFNuc3ZSMEdLVG5ETVQ1SHc?oc=5) · daytonflyers.com
- 2026-08-12 [Michigan AG Dana Nessel warns of bank and credit union impostor scams - wwmt.com](https://news.google.com/rss/articles/CBMi_gFBVV95cUxORm4zLUFYUmxfcTBrcHM1TTdIUDk3OHRnVHlrUE9uNXVibGJIQkQ3VmNGakNSbzNpcHFqVDBaTVM2aE45bTU0MTZtelB6SnpqdHRoZjFRYmcxYUVvWjQ4T0FnbmdoWl9kUnBib3ZmQmIwdU5WVEctNzVlckowYlVVTDlval9fS2VxUG9EY3RGLUZHb0xpYXhsYzAyVHZSOTJPSjFlNnZ1YVowNjgtcmo1cFJCSVNWeTVjM0ZJbE1pQklmbHp5QUQ3eUtmNkdjWjFqeWJBOEh4WEN3aW9GeXU4UHpyWkJEdVBEa3pybHJ1cE5PWGJzeTAtMEIzQmFIZw?oc=5) · wwmt.com
- 2026-06-29 [RBFCU promotes longtime attorney to top legal role - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOQjB2d1dBX1JEWkhiXzVEQkFsOEhDSmQ2V0hfNnZ6aFhpeGtPdlhGV3dVdU5lenZEclpnblhLTk0wMy11SGxwR0hJMW5vSElDY3g1R1RrUXFCOUZOSlEyOExRTVpURS1BMFVwSTFZNFBFVm1GSkd6NXVITUstSnVNN1B0RXZraXdpUFpSZ2toMmZLUXdmVGpUUjZRdVV6ZUdnVjFRQVRR?oc=5) · The Business Journals
- 2025-09-29 [Louisiana Attorney General blocks credit union at East Ascension High, says plan is not an educational purpose - Unfiltered with Kiran](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQYXRnMHc2MnlSZG1Vbm5qYUh4R05zX0t1SEZPai0xRVJIRzllcGlPOVFCV01HQkIyZG5meWcyZXU2bTNJdDdQX0p1Vld0VHB2X0t1UXZzaldVLW9ZRmloUW9yMFRpdk01Qk5qdU4ycXJHcXNzYzUxazJUMHVCUVQyS3JXUEdEWUdMTnQwZm5Rd1RBcEpSYzE3Tzh5MHo1ajhmeEI4QU9GY2lMbzN0Q2NzMWphZ3JIT2hnMmwzbTlWMGVwMXc?oc=5) · Unfiltered with Kiran
- 2025-10-20 [Meet the new general manager of the SAFE Credit Union Convention and Performing Arts District - Sacramento City Express](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNdUVOZEVwUVh0amRmQ3hST0dadTRPZmh5OG54UVFNdEFaUGlxeW5aLVlsdHpiWFBobTROS0VGQWlOMmllaXRieXVxb0NXUWE5bF9BOEtnX2pyZ1NhdTl4M21xc2E3VkM0cXAtdmxfX2d0Ti1veUVneHB0VENxdmlFWXBKQ0ZJZWlibWFSNk1TcWxRVi1fWmNsQVdPcklTTWJNSXJFb0lpWVN0bk5JN29OWktQN1RLbGJiY05ZOWdvb09ublpSektOTk1QeVUyRnpHOEo5MkJ3?oc=5) · Sacramento City Express
- 2026-03-30 [Boston Federal Reserve chief counsel joins merged DCU-First Tech credit union - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxPUFFoa1drQ2xXRjlaQm5Fclh6dEFkSzFmQ1ByR3RPMXd3VmhPYVRDMnNUS2ZEc0pqbHJ0THFGWnR6WjNUOW16VkgxczV6bVVrRkxWWnh4SHNTMUdodlRJSy1qeEpJYUhnS1FlUTZBc2VTSWVqdERfRzNfZ0wtRjNnUXRabVhsQlVQMFJDZnRiSEdtblN3VklodUNyQTBEZw?oc=5) · The Business Journals
- 2026-07-28 [SIUE Athletics, First Community Credit Union Announce Groundbreaking Partnership Expansion - siuecougars.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQb2VPVWh4dlVITHNxR2ZJRHN3Y1Q3aVktTUlPdnQ1RExBMXhsc3Q4RE1adFZVMjNtdUs3M1ZQOEhxZTZ3MFpwblA0Z3I5Q19VOUtBNmdqYVhJa29wTDhZZlRNd3ZwQ1RaeGFWMHpMdF9LSFc3WndGRm1wR245eFBIdGpWc2s3UUlhLWVmRzJpTlNmM1VxUHY1bTNlNUt2UUpqZWkzdUZqcVBCRlBnVGR3a0JYUGJSRUVNZk5SdXh1bFdLUWttY2E1bVZDRzh6ZGlLdlV5bDVicTk?oc=5) · siuecougars.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97055 (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 "97055", 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=97055
- 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