# WHITEHALL
Columbus, OH · NCUA charter 97091 · asset band <$50M · latest filing 2019-06 · stopped filing after 2019-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/whitehall-97091

Who the members are: state charter, organized 1956. 2,537 members of 10,000 potential (25.4% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $18.9M |
| Members | 2,537 (-0.6% YoY) |
| Full-time staff | 2 |
| Net worth | $2.0M |
| Net worth ratio | 10.6% (p30 of band) |
| ROA (annualized) | 0.09% (p22 of band) |
| Total delinquency | 2.39% (p81 of band) |
| Net charge-offs (annualized) | 1.07% (p85 of band) |
| Loans / shares | 38% (p18 of band) |
| Cash / assets | 6.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.11% (p37 of band) |
| Operating expense / assets | 3.47% (p50 of band) |
| Vehicles % of loans | 49% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 3.31% (p90 of band) |
| Vehicle NCO | 0.00% (p27 of band) |
| Repossessed % of vehicle book | 0.03% (p90 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 8% |
| Average share balance | $4,005 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $7,558 |
| Loans granted, annualized | $2.1M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 1 |  | delinquency 2x band |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 0 |  | losing money |
| 2017-06 | 3 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 1 | members leaving | net worth falling, delinquency 2x band, delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | net worth falling, delinquency 2x band |  |
| 2018-09 | 1 |  | net worth falling, delinquency 2x band |
| 2018-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 | loan book shrinking | members leaving, delinquency rising |

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

- 2026-07-07 [Wright-Patt Credit Union plans next site near Columbus - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxPTXJBeVNEY1d5cklYSUNPRFVnYnhVbWVfLWR5b2lXNFdJd2hPaUsxak5JNGZqLW1yTlQ4SEZrNUVvclJxT0Q2QnNQNzBNSEswemYtOTR5WjBWNWljRVhub2dMbWxnbHpYdTJEVjJqZ1BJZTFONTRoRkpodHVuVmFvYURHOE45ekNieHVDWFdJclhRY25jNHc?oc=5) · The Business Journals
- 2026-06-29 [Wright-Patt opens Tipp City location, plans next site near Columbus - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNV2FpaVhqNUI2WExyZ21EcEFtTUpaRnVzNjVYcnFqU3JFVFE0VnlxTlJxV0lidHZPSklHYXN1VG1WME9Ja1hTcDBNRkcwQ1ZUUU1LdUtnLXBOaXdqdkJYZ2ZGT3daWHBuV2dubXdkbFkybHU4Rk5SUTgtcFV6OWNPelhpdDB6MjctaUFxZ0EyXzhTMlpkek1GZG5TTjJmd2M5M0xSWDBB?oc=5) · The Business Journals
- 2025-11-07 [Toys For Tots: Annual toy drive set for December 6 at ABC 6 studios, other locations - WSYX](https://news.google.com/rss/articles/CBMiqgJBVV95cUxNOHRqc2h0RnlpU194S0wxQzNVQjZPd2UyVmNVTVhBUXFVNDdScVFxbW9EYUdNdkpZZ0JkSWV3N0tKTTF5TkdXcTlPMXgwVUUwYTd0SEQwaTJuUG1wQk9SMl96cHNlMVJycHVNUlBZTVlEUXFycWRWaUxkOEpoX3JBUmVoZC1Nd1hwRFpQUzhuZzN5WFVWMHIyMjhYY0xIR1NGd2kzX3ZBTnhiY1dOenNmTUVrQzJSaXpNZmFZT2t5VTF0UnpzSC1UcDNzVnU5cXU0S0NzdUZxR1lHRmNSSEhCcTBrbW1wNkduV19qb3Byd0hFVUFkbDFvdFVyVnVXVElmR2ZXTmdPVnF4RnItc0pDYVlGMVdmd3pndDRGSFJkLUJJMWtScE4yRDJR?oc=5) · WSYX
- 2023-04-17 [Wright-Patt Credit Union buys Whitehall property for $1.2 million - NBC4 WCMH-TV](https://news.google.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?oc=5) · NBC4 WCMH-TV
- 2026-07-01 [New Wright-Patt Credit Union Location in Tipp City - Tippecanoe Gazette](https://news.google.com/rss/articles/CBMiekFVX3lxTE00Vkt2UFg4czVxRU90QUpUd0QtTF9ZaVpvenlmWFd3aU1zS2MzYjdqc1JlakFabXlmZnNkWGMxYWxKcl9LaWJLbS0tLVZ4ZWJLOWpBeWxBUzNReXV3X0FLOTBlWkFETlZuN3hsdEJJeGEzc2hrU1JFdG1n?oc=5) · Tippecanoe Gazette
- 2023-04-17 [Wright-Patt Credit Union buys Whitehall property for $1.2 million - Columbus Business First - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNR3hwdlNkZVU5MmVIOThueDdscEQ5aVk0TUpUNmRNSjNEa0dnaHE5dnZJM0NuOTF1RGFNVURPbUFxM1kwSHB5NS02cllqQjJ5VHY0SktvZVludnNndGsxUmF0bXdBbnhaMlYzYlktZHF6LVJJX0ZTSExzRlByWFhScEtVaThoeWNSN1llMExwdEVzTTdMTlAxQkxNLWx2YlN5bW1ETGUtQWFCdw?oc=5) · The Business Journals
- 2025-03-01 [Gas station clerk in Columbus, OH skims over 600 credit cards - MotorBiscuit](https://news.google.com/rss/articles/CBMickFVX3lxTE5ZYUZ6MnBhUmJreGV3X2kxaVdRa0h3cE85XzBldlVlYXl5aG42UVNUZjZPVXhpUHBPVU9HREtIaGhRelJnNi1mYWpMUVpMcERndTBjbm1VNWVDMHVkVV9WSEozVGw1Tm5OaDZYeHRUOGk4dw?oc=5) · MotorBiscuit
- 2012-06-23 [Albert Goelz Obituary - Columbus, OH - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxNUmVCYjcwaVFWeWlDUzQ2OWlpcElzYVFpSno2NEM0OUNRVzZTeWk2YXUwQWxjSkJOblowN0lqZDdvQnMxdGw4WGduYVhfbXFrYThBVm56cl9sNFpXUmJxeElrZ01nWWtEN1NwSFBpbWtTWmZOSkVYVWw0aEhERUJIeGZn?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97091 (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/3.json (key "97091", 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=97091
- 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