# COMMUNITY UNITED
Strongsville, OH · NCUA charter 97092 · asset band <$50M · latest filing 2023-03 · stopped filing after 2023-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/community-united-97092

Who the members are: state charter, organized 1972. 1,632 members of 1,564,982 potential (0.1% of the field); checking penetration 23% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $13.9M |
| Members | 1,632 (-16.2% YoY) |
| Full-time staff | 1 |
| Net worth | $1.7M |
| Net worth ratio | 12.4% (p49 of band) |
| ROA (annualized) | 0.12% (p30 of band) |
| Total delinquency | 0.42% (p50 of band) |
| Net charge-offs (annualized) | 0.39% (p78 of band) |
| Loans / shares | 71% (p70 of band) |
| Cash / assets | 5.6% |
| Borrowings / assets | 9.30% |
| Net interest margin | 2.65% (p31 of band) |
| Operating expense / assets | 3.12% (p51 of band) |
| Vehicles % of loans | 75% (p77 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 44% |
| Third-party paper % of net worth | 149% (p97 of band) |
| Vehicle delinquency | 0.52% (p60 of band) |
| Vehicle NCO | 0.45% (p85 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 13% |
| Average share balance | $4,468 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $14,572 |
| Loans granted, annualized | $3.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 2 | losing money |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | net worth falling, loan book shrinking |  |
| 2017-06 | 3 | delinquency rising | net worth falling, loan book shrinking |
| 2017-09 | 4 | 3rd-party paper>100% NW |  |
| 2017-12 | 3 |  | losing money |
| 2018-03 | 5 | net worth falling, losing money |  |
| 2018-06 | 3 |  | delinquency rising, net worth falling |
| 2018-09 | 2 |  | losing money |
| 2018-12 | 4 | loans>95% of shares, leaning on borrowings |  |
| 2019-03 | 3 | losing money | loans>95% of shares, leaning on borrowings |
| 2019-06 | 3 | net worth falling | losing money |
| 2019-09 | 3 | losing money | net worth falling |
| 2019-12 | 4 | loan book shrinking |  |
| 2020-03 | 6 | delinquency rising, members leaving |  |
| 2020-06 | 7 | net worth falling, margin squeeze | delinquency rising |
| 2020-09 | 7 |  |  |
| 2020-12 | 7 |  |  |
| 2021-03 | 6 |  | members leaving |
| 2021-06 | 5 |  | net worth falling |
| 2021-09 | 5 |  |  |
| 2021-12 | 5 | assets shrinking | margin squeeze |
| 2022-03 | 3 |  | 3rd-party paper>100% NW, assets shrinking |
| 2022-06 | 3 | delinquency rising | loan book shrinking |
| 2022-09 | 2 |  | losing money |
| 2022-12 | 3 | 3rd-party paper>100% NW |  |
| 2023-03 | 6 | net worth falling, members leaving, leaning on borrowings |  |

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

- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2020-07-01 [Black-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMicEFVX3lxTFB5NHlXMVFqNU0wTjdESlM2b0g4OGp5ODQ0cTNtOW83eFBEMTBWbl9kUUp4VTNHX3plLVBlS3J1X3VNMGdhcDVaajZrZTJlX3RuS3FPNjJHWkNBSlRxbExsUFVlbUJfTjhZa3B3TS02Q2M?oc=5) · Investopedia
- 2025-02-19 [Black Owned Credit Unions You Should Know - Shoppe Black](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1rWVo2ZldNTEZ4XzlKSlVoaC0yaXlSMmd5dFI0cmpoU0Z3cG8wR0tvT2EtdkI4U1NfamlsT01adjM4RXlfWFRVWkh0RXVXTDc3SG5TVHIwWWJSUVpuVnc?oc=5) · Shoppe Black
- 2026-04-01 [Community Development Financial Institutions: What and Where They Are - NerdWallet](https://news.google.com/rss/articles/CBMingFBVV95cUxQeHIyZG5ZOXZPZHZjbWN1V3RPM3BfU2JfbnZqT01YenRjblFSYkJveHhWY29yaXlHeVpBd25ZV1dSZDdkZWhyVzVBbGtSYVIwaWhIbDUxXzVmZlNwc1VGMzk1YU5ZZDFpYndFWDliZVkxNnhGcjNzYnROeFNGLUstY0pQMlNPcHJQWUw5X0xvNFI2dGhmSXgyZ05GNEhBUQ?oc=5) · NerdWallet
- 2025-10-30 [Ted W Stowers Obituary Feb 12, 2011 - Waterbury Funeral Service](https://news.google.com/rss/articles/CBMic0FVX3lxTE5Ebkt6Uk9RZDJiVFp0U1VhOTZKQ1NtLW9WUkFOR3VnelBOa3RlZm9leENPTHZxUzFwMEVzMll4S0FaVkpKQ1Z0aTBWeWpGM2lJUFBjd3Q2TE9UMDA2R3hGY1BLVUpyMWFfU2pObi01MnN4UTA?oc=5) · Waterbury Funeral Service
- 2021-10-14 [FRANCINE M. WATT - Cleveland.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQRUw5bDNiMG9DSUdTVkdzR3BwU2QyYmRQX2pON0RMSUFPd2tOOGIzWl80Uk9TVmFUbDVUZl8zaGJOUndoQUt0WGNKT1p5RmJUbDJUVnphWWVuSk53RVQxLWZkR3FJdERfTEZGc0d0OXAyTUZ0dE1NcFd1akMzckZyandNbFEwSHJsNC1UU29jOV9CMFA3c0E?oc=5) · Cleveland.com
- 2021-12-09 [Kenneth Hicks Obituary (2013) - Elyria, OH - Akron Beacon Journal - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNeGRYcjZxNS03RDN5Y21rWXNZb1g3SFN1ODd4bVZHVjFPZDU4bG45WVhkaXp1UVE1VGJvbXBPM2lJSHVBdVpnSEh2QXZEQW9iSTdWYkxlV2pfU3dlejFMQ3liYVdNUVRJdFZHOEx2TnFERVZtTUpjUDlPSU5JXzMxMGxlZVplUjFT?oc=5) · legacy.com
- 2021-11-23 [REV. JAMES W. MOON - Cleveland.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOanpKVnZjbG8xbUJ5N2VVQlhTbHZJWnVHay05U0tBd0pFWUdTanE0YnlBa0k2OFo5YWI1UFR0MTQzMmhIeGlUX1JZMDFRVklJbE5Dbkdfb3dVSGxkOHkycDgyS1RWMVlBaHVLZ2JHU3A2TWppMnJLeG45dTJ2RXoyekMtb3dvQXdKMWhkeXFDWU5QZw?oc=5) · Cleveland.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97092 (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/4.json (key "97092", 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=97092
- 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