# DAY-MET
Dayton, OH · NCUA charter 97105 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/day-met-97105

Who the members are: state charter, organized 1957, low-income designated. 7,822 members of 175,000 potential (4.5% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 113.

**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 | $136.3M |
| Members | 7,822 (5.7% YoY) |
| Full-time staff | 28 |
| Net worth | $12.0M |
| Net worth ratio | 8.8% (p11 of band) |
| ROA (annualized) | 0.29% (p23 of band) |
| Total delinquency | 0.76% (p61 of band) |
| Net charge-offs (annualized) | 0.73% (p80 of band) |
| Loans / shares | 88% (p88 of band) |
| Cash / assets | 6.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.44% (p36 of band) |
| Operating expense / assets | 3.92% (p60 of band) |
| Vehicles % of loans | 44% (p62 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 62% |
| Third-party paper % of net worth | 307% (p96 of band) |
| Vehicle delinquency | 0.89% (p67 of band) |
| Vehicle NCO | 1.34% (p82 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 116% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 40% |
| Average share balance | $8,250 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 113% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $12,313 |
| Loans granted, annualized | $30.9M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-12 | 2 | losing money, 3rd-party paper>100% NW |  |
| 2017-03 | 1 |  | losing money |
| 2017-06 | 2 | delinquency 2x band |  |
| 2017-09 | 1 |  | delinquency 2x band |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 2 | members leaving | delinquency rising |
| 2018-06 | 3 | delinquency 2x band |  |
| 2018-09 | 4 | delinquency rising |  |
| 2018-12 | 3 |  | members leaving |
| 2019-03 | 5 | losing money, charge-offs p90 |  |
| 2019-06 | 6 | net worth falling, assets shrinking | delinquency rising |
| 2019-09 | 5 |  | net worth falling |
| 2019-12 | 5 | repo signal, members leaving | delinquency 2x band, assets shrinking |
| 2020-03 | 4 | net worth falling, margin squeeze | losing money, charge-offs p90, repo signal |
| 2020-06 | 5 | thin capital |  |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 | net worth falling | margin squeeze |
| 2021-06 | 2 |  | members leaving, net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | net worth falling, members leaving |  |
| 2022-06 | 3 |  | members leaving |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | net worth falling |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | loans>95% of shares |  |
| 2025-12 | 2 |  | loans>95% of shares |
| 2026-03 | 2 |  |  |

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

- 2020-06-15 [Donald James Jackowski Sr. Obituary Jun 15, 2020 - newcomerdayton.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE1ZM1FSZy1sTmVKV25seGVQQkV5bzdhMThRVjJudmJvZFFkVU9wVUY0TnVxU29SWjg5aGtLaUZDMk1DZmJGS3FUa29qOHlQbkdla3FKV0poNHVoel8xTkVWaHl0WkJjMTR2U1pyUnBR?oc=5) · newcomerdayton.com
- 2026-03-12 [CyrusOne data center site sells for $2.3 million in Greater Dayton - The Business Journals](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPSEpTa2pvb3lKazIycnRhbWx3YmRuSlBMd2tSS21xZk4tMW5lRGxrWFlaM2w2UHdFRGJfc3NkX3lST1VaY2NqTHBrWGwwUUgxUzVBbXR4Y2cxTDBxS1hwQW9pWW11NnNmRzRQaml6cndOd0JDRXhGZ1dkdU9OU3RfR1B5ck1xVU1yVVJr?oc=5) · The Business Journals
- 2024-06-02 [Corey Eugene Smith Obituary Jun 14, 2020 - newcomerdayton.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE52N3VNdTFtaC1qVF9qYVJZUUI4amlsVjEtTXMxMmtCaGZYbDdmOGpkbmZtVHJrdTRwYWRtay04UGRPWUI5M3h6cTJDNFNCYktDY1Y4dzRmMk5SR3h4OF83VDJhNEUwQVY1ZXM5bw?oc=5) · newcomerdayton.com
- 2014-05-21 [Robin PINSON Obituary (2014) - Dayton, OH - Dayton Daily News - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxObXZxMWNOaWQ1T0VWMlZoWnlDaGhiMERjeVhkQ0h2T1pjZTNnNm5HV3hXdmJJT2xoZ2ZOZ1BVQ0oyZmFjcV9qMUpoZVhEUm5qMF9ia2t3bVc4TWpfUUtRUXI4VkRvYTY4RE02T1EzdlBnci1qM0ZzZXp0Z0NnbHB4Mmg4MFBaRzItSEE?oc=5) · legacy.com
- 2006-08-22 [Thomas Mayl Obituary (2006) - Sarasota, FL - Herald Tribune - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNb1JGQ2JJYXRQSHRIdmZHeWVwdDk5Mm5DSkZMMzVDRXF3cG9TR3pwR2dtdC1CeEdMVXFsYS1fRVRxN2R2eFJCaWxLVU1td0lRdGstZ3hyS0M2UEtFWTdwbnRCTkhpS3FCV3pISnRGWHk5cXpRX2Y3Vmg5c2pkdEFFMkF3SDg3LXFidE92T1dHWjdrdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97105 (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/17.json (key "97105", 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=97105
- 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