# CU Intelligence · Screens

saved questions: red flags, deteriorating, target cohort, repo watchlist, auto monolines, the de-capped, participation buyers, postmortems.

Live page: https://getbookiq.com/cu-intel/#screens

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Each screen is a saved question. Click one and the census opens pre-filtered; refine from there.
RED FLAGS

Composite score 5+, $10M+ assets, clean data. The 5-6 bucket departs at 2x base rate; 7+ at 5x.

343 credit unions
DETERIORATING

Score 5+ AND members leaving (−3% YoY or worse). The compounding pattern the departed cohort showed.

324 credit unions
TARGET COHORT

Vehicle 50%+ of loans, $10M+ vehicle book, ≤40 FTE, under $1B. Auto-driven, no analytics staff: the structural buyer.

551 credit unions
REPO WATCHLIST

Repossessed vehicles above 0.40% of the vehicle book: the leading indicator that catches clean-delinquency books.

190 credit unions
AUTO MONOLINES

Vehicle 60%+ of the loan book. 1,100+ single-product lenders, most under $50M with 4 employees.

1,267 credit unions
THE DE-CAPPED

Third-party auto paper above 100% of net worth: over the line NCUA removed in Aug 2026.

799 credit unions
PARTICIPATION BUYERS

Purchased vehicle participations above 25% of net worth: bought paper, 701.22 due-diligence burden.

269 credit unions
POSTMORTEMS

Every credit union that stopped filing during the window. Open one for the final-18-months reconstruction.

1,936 credit unions