# MCCOY
ORLANDO, FL · NCUA charter 9915 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mccoy-9915

Who the members are: federal charter, community charter, organized 1954, low-income designated. 81,089 members of 2,957,672 potential (2.7% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.03B |
| Members | 81,089 (0.8% YoY) |
| Full-time staff | 206 |
| Net worth | $105.7M |
| Net worth ratio | 10.3% (p39 of band) |
| ROA (annualized) | 0.36% (p19 of band) |
| Total delinquency | 0.53% (p41 of band) |
| Net charge-offs (annualized) | 0.67% (p64 of band) |
| Loans / shares | 76% (p23 of band) |
| Cash / assets | 11.6% |
| Borrowings / assets | 2.91% |
| Net interest margin | 3.11% (p36 of band) |
| Operating expense / assets | 3.60% (p70 of band) |
| Vehicles % of loans | 64% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 83% |
| Third-party paper % of net worth | 360% (p92 of band) |
| Vehicle delinquency | 0.34% (p22 of band) |
| Vehicle NCO | 0.82% (p40 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 66% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 27% |
| Average share balance | $6,439 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $50.9M |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $20,471 |
| Loans granted, annualized | $294.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $50.9M outstanding purchased (48.2% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 6.7% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **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 | charge-offs p90 |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | thin capital, expense trap |  |
| 2017-06 | 4 | net worth falling, losing money | expense trap |
| 2017-09 | 2 |  | net worth falling, losing money |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | thin capital |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | delinquency rising, 3rd-party paper>100% NW |  |
| 2020-06 | 3 | net worth falling, margin squeeze | charge-offs p90, delinquency rising |
| 2020-09 | 4 | thin capital |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | thin capital |
| 2022-09 | 2 | auto monoline |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | leaning on borrowings |  |
| 2023-09 | 4 | delinquency rising |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 | net worth falling | leaning on borrowings |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 3 | leaning on borrowings | delinquency rising |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | leaning on borrowings |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | delinquency rising |  |

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

- 2026-05-27 [HomeAid Orlando’s Annual Diaper Drive - WFTV](https://news.google.com/rss/articles/CBMinAFBVV95cUxNaHViUnVHMlNxRHYyeEt2VnI1WjRmRFV4OHYyVGYwUUpULVB6aTRLWS04SU1sbUhoU1FEclgtVjhCaW1Rc0xWTklCQXB3b2FNdWEzZU5kS3VYVGk1VzcwV09kbUJveDNHNDNlazY1bkdnc1hIMWVIWVYwcGdQZDZramlETVBBMVRGRWhqellfZmJJVmloMUI3WGhyS0rSAbABQVVfeXFMTWZOSmVXaGVMckZuaDRtT25PWThqMTJzaFc2WExYQ0M3eGJCZGZ5MnUyLUQtVVpsX0xzQXZzSlNKNC1KbXE1WFVubHRQcVZuR2ZkTEwyMHR6OVdEVVVGZmpwMDFGUXZzbWpETEdnQTM1YW1tbExIVzg1ZTJic2JIV2JpcTRDaWo4SnVFeDZIWUlCTkJVZWJqQUcyeWVwOVRFVGc3NEcxem9nd0hqdU9IRGw?oc=5) · WFTV
- 2026-06-25 [Meet Marijo Cunningham, third grade teacher, Fort McCoy School - Ocala StarBanner](https://news.google.com/rss/articles/CBMi9wFBVV95cUxNaU9kVTZPcGRfOEktdFNQNjFnNWdTT2c3Y21TeHdEWHJjX2wwcGlkdjRucVdUNTczSUtyQnVNS1FvQlBEeTZGUW9rZk5SMTFZWWc3ci1NRkdqRC1fSG1XREtBd3A5UVF2aUR5dnE3emVPanFPOE5NZF9ENGdCNzNta1BpZURMY2pUMWpGWGhvWEtRcnNrb2Q4LWtRQ29wQXR2YVlEZVhBMG05QVNHcWprQl8ya3ItWnhpQXA2dTNOZ2VtbXdqTTBfQVcxVXA0eERoNHN1dDg0ejZjZlZCd2dZOTA2cS1fNG1PS2tLSldvc0JrYklPQ0dZ?oc=5) · Ocala StarBanner
- 2025-12-11 [Fairwinds Credit Union targets Lake Nona for new branch amid regional growth - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxOOWRaSEc2aEo5c0xsVDZwYnltQ3hOeTdJdE5FT3E0YVhkVXlpMnBSTjZHSVZSOERsTlV0U3VJYUdleWRyXzZrNVplRTkxUDloYzNMZHFDc1cwR2N2WVQ3Tnhrd3hHVWNwc2hOMjhDcm9sTm1zSG9GekpzLWl1ejNVeUpSZFVSel8tTFppR1hYM3NKSl90WEVYUEZoYkVaY1FV?oc=5) · The Business Journals
- 2023-08-28 [Deputies looking for man after attempted bank robbery in Orange County - WKMG](https://news.google.com/rss/articles/CBMivwFBVV95cUxNc2tuUjNwVDhfbFJpRjNYRHYwa2lfZlJ0TUhWcHdNWTBpUTZwbFBFbXJnQXRETXFGZkZWbXB6bXd0eVdzOUFnWVZGZlZFVWU3R3ZmTjdrdmEtZm1wVngxbE1leHJOS3dkb2xwWXNHRm9CbldVNWRQVVNfd0R1a1J3bExPeWJhYkZ2UTkybG40cFN1eXFXXzdsV01tT2lvWFR6SXNJOUJDOE1wSHZleE1GV2gtb2lyMDlHdDBGWTV2MA?oc=5) · WKMG
- 2026-05-20 [Community support eases financial burden for first-time moms in Central Florida - WFTV](https://news.google.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?oc=5) · WFTV
- 2026-07-05 [Meet the Star-Banner/Florida Credit Union Amazing Teacher of the Month: Marijo Cunningham - Ocala StarBanner](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQdGk5bEx0dmRKRDRkWHhXZzl2czNQT0dQOVN0RV9PT3E4Tmllb2psanJ5SEs0QnJBS003VmtGNlhWdmpEQXpnbkVTUkdDNXVuSDhpSUxncTJHdi1qMjhlUkRyNlM5QzQtTW44Y0xpR2R3N0RGa1VfNVRRV0Fvb09qRDR3dkw2c1RmMWswTURTSTI1aEYxMWxUbVFDR0p2ZlVFRF9vMnlZdDQyQjJ3OGZBb2p1WjJKeEhHSFpWWWtOaUI2MlhsYnVvSFhuUXhYSlp2NkhkNnNEdHJGbzFLcjk3QUE5SGZBQjliYVhZVW1wV2dmT0R6RF9ZeTl3?oc=5) · Ocala StarBanner
- 2024-11-14 [McCoy Federal Credit Union donates $5,000 to Hamlin Elementary School for library books - West Orange Times Observer](https://news.google.com/rss/articles/CBMizwFBVV95cUxPSVhrd2cyR1NrbEpDdkpiamduWlFFcjVaMG5xM0hqU05YaWtfUWh6c0dHNGhZMm05V1A5N3JkUXVVcHlNbTNrUGJEYW9HUFFvOEI1bnM5Wk56Ti1Cdjhaa3htSUtsYTEtSGJDYlltWG9rRWc0NTVCMFdva05uNGhwSHk4WnNFYXBvYVFxWGNNajJRNl9CQmF0emRJVHhra2JHelBwS1VTVDFHRUFSTjFfa2JJcHQxOEF1aTRic2hfTkRhZm9SZVRFX0F6YWRubGs?oc=5) · West Orange Times Observer
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Florida - Newsweek Rankings](https://news.google.com/rss/articles/CBMijgFBVV95cUxOSV9rYjRvVlQwYzdjRjQ5RWNWYk5sNXpzMEpRQml0ZlN2VkI3cmkwMGRmVTI0eERfeG1tTWp6Y0lXZWtIdTc2N2xOYjZyU1ZEQnpOSkgtd2tHTDd2Z3pnbVNvZDFTUXJyZy1iOU1rc1lsaHJnaXVPM0JpX1FSbjVUTkdBWHl3djA5X2ZvN3Zn?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9915 (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/59.json (key "9915", 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=9915
- 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