# SOLIDARITY COMMUNITY
Kokomo, IN · NCUA charter 9923 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/solidarity-community-9923

Who the members are: federal charter, community charter, organized 1954, low-income designated. 23,763 members of 250,687 potential (9.5% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 40.

**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 | $354.6M |
| Members | 23,763 (-2.3% YoY) |
| Full-time staff | 62 |
| Net worth | $43.1M |
| Net worth ratio | 12.2% (p63 of band) |
| ROA (annualized) | 0.19% (p14 of band) |
| Total delinquency | 0.26% (p17 of band) |
| Net charge-offs (annualized) | 0.38% (p48 of band) |
| Loans / shares | 58% (p16 of band) |
| Cash / assets | 12.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.06% (p19 of band) |
| Operating expense / assets | 4.02% (p65 of band) |
| Vehicles % of loans | 62% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 70% |
| Third-party paper % of net worth | 188% (p78 of band) |
| Vehicle delinquency | 0.19% (p15 of band) |
| Vehicle NCO | 0.44% (p40 of band) |
| Repossessed % of vehicle book | 0.10% (p72 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 24% |
| Average share balance | $6,802 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $19,324 |
| Loans granted, annualized | $50.1M |

## Flags firing in the latest filing

- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 | expense trap |  |
| 2016-09 | 2 |  | expense trap |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 4 | loans>95% of shares, leaning on borrowings |  |
| 2017-12 | 6 | net worth falling, delinquency rising |  |
| 2018-03 | 5 |  | loans>95% of shares |
| 2018-06 | 4 | loans>95% of shares | net worth falling, delinquency rising |
| 2018-09 | 4 |  |  |
| 2018-12 | 7 | thin capital, net worth falling, delinquency rising |  |
| 2019-03 | 6 |  | delinquency rising |
| 2019-06 | 6 |  |  |
| 2019-09 | 5 |  | net worth falling |
| 2019-12 | 5 | delinquency rising | thin capital |
| 2020-03 | 5 | thin capital | loans>95% of shares |
| 2020-06 | 7 | net worth falling, loan book shrinking |  |
| 2020-09 | 5 | members leaving | leaning on borrowings, thin capital, net worth falling |
| 2020-12 | 3 |  | delinquency rising, members leaving |
| 2021-03 | 5 | thin capital, members leaving |  |
| 2021-06 | 3 |  | thin capital, members leaving |
| 2021-09 | 4 | members leaving |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 3 |  | loan book shrinking |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 | delinquency rising | members leaving |
| 2022-12 | 4 | leaning on borrowings |  |
| 2023-03 | 5 | net worth falling |  |
| 2023-06 | 4 |  | delinquency rising |
| 2023-09 | 3 |  | net worth falling |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | members leaving |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | members leaving |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | leaning on borrowings |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | loan book shrinking |  |

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

- 2026-09-06 [What’s Happening This Week? - kokomolantern.substack.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE9VMDdjLVBOMFAweVdjVG5LNGhfYmJZMExWMGxnRHdyTjE1NlEzTXViOFhGc1U5RDluNGxnaENpUUNWTHlWdV9uaTcxOFlIRVF4RlZwR3BZSW1UTEJ3Y19aTkFLblJvQlNqbVllYkRvclNPcW1T?oc=5) · kokomolantern.substack.com
- 2026-06-30 [Solidarity car show survives the weather - kokomolantern.substack.com](https://news.google.com/rss/articles/CBMieEFVX3lxTFByenBGZlowY0ItRHZnZi1SakdPUDNXT1R0TEstM0pSekd5eWN1NXhKX1k3YklrRnc4WWUtOHZ2Ym52eVlLeWx4dzNoMFd1N1ZQeHhTR1RHYUpVcDhZendKTHM5M0h5TUFNSFJkZ0l2eWRUOHlSRS1YdQ?oc=5) · kokomolantern.substack.com
- 2023-09-20 [Kokomo credit union branch closed indefinitely after car accidentally drives through front doors - WTHR](https://news.google.com/rss/articles/CBMigwJBVV95cUxOVVBuVE9sQnQzZ0dWZi1WWTI4ak9JS1BQZkE1RTZtSGs0UDhzWS11SUZ2clQ4OUZlN3NqTGlsQmpLaEVjcXBURXJnMjlXd3hINmV3MVlVYmtGcXlDdlJpSXNxTUdCYllyQVR5elVjTFI5SXMzLXFLSnYzeTR5a0JhdlNoNnM5QVRqbDNTQW9oWkN4LUo2aUo4WDJ3SjludGRrbW9vRkFmZkVFUXFvTHZobVhzMjcyOE1HWi1FeHRHT05QSVpEWVZRRkYxcTZLQTFpNXpBSEpxdkJrLXVpSHh4NG9BMkRiSUdjS1hJblZzNWVLN1RZak1HbmtBWU92T3BZMWZ3?oc=5) · WTHR
- 2026-06-15 [Western rolls to sectional win - kokomolantern.substack.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE1KSU8yQnJ1VjZfM3p2MW53anE4Z1R6cTlSaW56azh6SlhzNnhmNU0ydGFNRS1PTGVEbkxyWnZhWERDMWNTWkJsQzNQaGJha2QySXBCQmNMR2ZzNXlleXIteXBPenBuUTRRSlQtUS0ydlpMMDdnUGc?oc=5) · kokomolantern.substack.com
- 2025-08-05 [Teachers Credit Union Welcomes DeAnna Moyers as Vice President of TCU Mortgage Services - GreatNews.Life](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPTmsyVnVaUEF4bVZHVnhYRW8zMU1WMzIzSkktNl9kcFV0cDNaTWhlcTl4UXFIbFE3ZHpCVTd2aEQzV2NSWGQ5eW1GWVlpZnJRWTBCUUFOSDRZNmdITmNfY2tVQVUzRUxzN0lYSklLVG92ZEotbTE3eVhkSDMtd0pTRzR1VUhUejNlZXBiRW9fLXA1TWg0NFh1Z0NBamtnaXJlcG00YVZhSDJpZFNQbTVvem1wc0VZNXRlS25N?oc=5) · GreatNews.Life
- 2023-09-20 [KPD: Police investigating after car crashes into Kokomo bank - Fox 59](https://news.google.com/rss/articles/CBMilgFBVV95cUxQeGRMR0xwTFBDV1ZoRk0tVW9TcndwdHYydElJUFFkMVdZV3hNemd0TmNycFJtQlU2elAySjZXTmVETG01cTU1czh3NGllQVBPN1lwU3g5NkNnX2xvdWNtbW5vSzNsVGlid0VmVVpaZ3d3ZE9kYWg5V1hOYkRkRUJ2US1YMW5zVmRNVzVWX29XdFVVaXhYb3fSAZsBQVVfeXFMUEdwQThOYVd3SjFpcVNCOXBfUzJfSlBHNVYzYUhCYjBuSFBNUGEyRU5nRkZYWnBhYXJ5YjJucWEyVkVHa1V1QW1aZjFpVzFNS2dIY1BEQlN6SFJ0NDJEVGVZQVV4TmxJLVJGNEF0bjRkT3NWTW1zbTlsUFN2X1pGWjh5ZHlmNEtzVk1fQkxtUnF5Mk5qSTVKMHpuazQ?oc=5) · Fox 59
- 2026-05-30 [Kokomo Creek Chubs win first game - kokomolantern.substack.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE5WbjVwNXBhUE4tX1ZvaG83SmJ1LWhwbnNWVnJyRW5NcTljWG5mUDZoN044a1dTZ1FVUDJOV0lMcDVRbnpZSFp5RnF1UDd2UUNqNklTT2Q1czU0U3VKUlloV0J3cVBvSjc5SjNfbHhJNVVjSDdJbi1nSmlR?oc=5) · kokomolantern.substack.com
- 2026-04-30 [Haynes-Apperson gets Kool - kokomolantern.substack.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE9JQ2FPYTM4Y2k5dHZCNks0SThHN2tKdURFYUdOS2FfSHZJTFExVWlqbVdkd2ZlLXE4SlFqU1dCZE5JTkMwLTBYcHg4M2FEVk9tWFZsRjdBTHFwbVFCWFA3MkkxT09LRUxGTkRZenNpMA?oc=5) · kokomolantern.substack.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9923 (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 "9923", 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=9923
- 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