# Credit union postmortems · charters that stopped filing

**Postmortem means stopped filing. It does not mean the credit union died.** A charter leaves the panel the quarter after its last 5300; for credit unions that is almost always a voluntary merger into a larger charter, sometimes from strength, a few are liquidations or conversions. The 5300 never records the reason or the acquirer. 1,936 stopped filing since March 2016 out of 6,080 filing then; 1,936 match this cut.

Median at the last filing: assets $11.0M, net worth 10.7%, ROA -0.48%, members YoY -4.6%, score 5; 996 scored 5 or more at the end.

## The way out: median path before the last filing

| Quarters before | Net worth % | ROA % | Delinquency % | Members YoY % | Score |
|---|---|---|---|---|---|
| t-7 | 11.24 | 0.14 | 0.65 | -1.99 | 3 |
| t-6 | 11.25 | 0.11 | 0.68 | -2.04 | 3 |
| t-5 | 11.17 | 0.1 | 0.74 | -2.19 | 3 |
| t-4 | 11.21 | 0.09 | 0.73 | -2.17 | 3 |
| t-3 | 11.19 | 0.06 | 0.7 | -2.36 | 4 |
| t-2 | 11.1 | 0.04 | 0.74 | -2.79 | 4 |
| t-1 | 10.95 | 0 | 0.72 | -3.27 | 4 |
| t-0 | 10.67 | -0.44 | 0.66 | -4.63 | 5 |
| survivors (pooled) | 11.44 | 0.55 | 0.55 | 0 | 2 |

## Departures by quarter of last filing

| Quarter | Stopped filing |
|---|---|
| 2016-12 | 57 |
| 2017-03 | 55 |
| 2017-06 | 63 |
| 2017-09 | 82 |
| 2017-12 | 44 |
| 2018-03 | 58 |
| 2018-06 | 48 |
| 2018-09 | 69 |
| 2018-12 | 43 |
| 2019-03 | 31 |
| 2019-06 | 33 |
| 2019-09 | 50 |
| 2019-12 | 47 |
| 2020-03 | 34 |
| 2020-06 | 39 |
| 2020-09 | 42 |
| 2020-12 | 35 |
| 2021-03 | 42 |
| 2021-06 | 42 |
| 2021-09 | 55 |
| 2021-12 | 43 |
| 2022-03 | 49 |
| 2022-06 | 47 |
| 2022-09 | 58 |
| 2022-12 | 54 |
| 2023-03 | 30 |
| 2023-06 | 43 |
| 2023-09 | 49 |
| 2023-12 | 38 |
| 2024-03 | 42 |
| 2024-06 | 39 |
| 2024-09 | 51 |
| 2024-12 | 51 |
| 2025-03 | 49 |
| 2025-06 | 44 |
| 2025-09 | 51 |
| 2025-12 | 42 |

## The cohort (150 of 1,936, largest first)

| Credit union | City | Band | Field of membership | Last filing | Assets | Net worth | ROA | Members YoY | Score | Flags at the end | Read |
|---|---|---|---|---|---|---|---|---|---|---|---|
| FIRST TECHNOLOGY | SAN JOSE, CA | >$10B | multiple | 2025-12 | $16.45B | 10.3% | 0.19% | 1.9% | 3 | assets shrinking; loans>95% of shares; leaning on borrowings | https://getbookiq.com/read/cu/19976 |
| WINGS FINANCIAL | Apple Valley, MN | $1-10B | state · LID | 2025-12 | $9.32B | 12.6% | 0.92% | 3.5% | 2 | loans>95% of shares; leaning on borrowings | https://getbookiq.com/read/cu/68601 |
| HUDSON VALLEY | Poughkeepsie, NY | $1-10B | state | 2025-12 | $8.08B | 10.4% | 0.19% | 4.7% | 1 | 3rd-party paper>100% NW | https://getbookiq.com/read/cu/68705 |
| COMMUNITYAMERICA | Lenexa, KS | $1-10B | state | 2025-09 | $5.44B | 10.3% | 0.91% | 13.1% | 3 | expense trap; delinquency rising; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/67664 |
| DESERT FINANCIAL | Phoenix, AZ | $1-10B | community | 2020-03 | $5.43B | 12.7% | 0.65% | -2.8% | 1 | net worth falling | https://getbookiq.com/read/cu/3238 |
| VIRGINIA CREDIT UNION, INC., | Richmond, VA | $1-10B | state · LID | 2024-06 | $5.30B | 10.7% | 0.40% | 2.4% | 3 | delinquency rising; leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/66836 |
| HUDSON VALLEY | POUGHKEEPSIE, NY | $1-10B | community | 2019-09 | $5.27B | 10.8% | 0.45% | 4.4% | 2 | charge-offs p90; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/15802 |
| CALIFORNIA | GLENDALE, CA | $1-10B | state · LID | 2025-09 | $5.25B | 9.3% | 0.52% | 2.5% | 0 |  | https://getbookiq.com/read/cu/60784 |
| SERVICE | PORTSMOUTH, NH | $1-10B | state | 2020-09 | $4.41B | 11.1% | 0.64% | 10.0% | 2 | net worth falling; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/68375 |
| GECU | El Paso, TX | $1-10B | state · LID | 2022-09 | $4.13B | 10.7% | 1.11% | 2.8% | 5 | expense trap; charge-offs p90; leaning on borrowings; 3rd-party paper>100% NW; auto monoline | https://getbookiq.com/read/cu/60058 |
| CREDIT UNION OF SOUTHERN CALIFORNIA | Anaheim, CA | $1-10B | state · LID | 2025-09 | $3.65B | 11.6% | 0.93% | 18.6% | 1 | leaning on borrowings | https://getbookiq.com/read/cu/68456 |
| ORANGE COUNTY'S | Santa Ana, CA | $1-10B | state · LID | 2025-09 | $2.86B | 10.4% | 0.83% | 2.9% | 2 | leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/68416 |
| ARIZONA | Phoenix, AZ | $1-10B | community · LID | 2022-06 | $2.83B | 11.7% | 0.68% | 3.1% | 0 |  | https://getbookiq.com/read/cu/1747 |
| NEWPORT NEWS SHIPBUILDING EMPLOYEES | NEWPORT NEWS, VA | $1-10B | state · LID | 2025-06 | $2.66B | 10.8% | 0.62% | 1.4% | 2 | loans>95% of shares; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/61330 |
| CAPITAL COMMUNICATIONS | Albany, NY | $1-10B | multiple | 2022-06 | $2.64B | 10.8% | 1.54% | 8.2% | 1 | loans>95% of shares | https://getbookiq.com/read/cu/8658 |
| ALTURA | Riverside, CA | $1-10B | state · LID | 2024-09 | $2.62B | 9.8% | 0.71% | 6.7% | 1 | leaning on borrowings | https://getbookiq.com/read/cu/62799 |
| COMMONWEALTH | Frankfort, KY | $1-10B | state · LID | 2024-12 | $2.48B | 11.4% | 1.16% | 3.2% | 2 | net worth falling; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/61437 |
| ARROWHEAD CENTRAL | Rancho Cucamong, CA | $1-10B | state · LID | 2024-12 | $2.47B | 11.5% | 0.95% | 8.5% | 3 | expense trap; 3rd-party paper>100% NW; auto monoline | https://getbookiq.com/read/cu/60700 |
| PEN AIR | Pensacola, FL | $1-10B | multiple · LID | 2022-06 | $2.29B | 11.3% | 0.95% | 2.5% | 3 | charge-offs p90; 3rd-party paper>100% NW; auto monoline | https://getbookiq.com/read/cu/1303 |
| MERITRUST | Wichita, KS | $1-10B | multiple · LID | 2025-06 | $2.18B | 8.5% | 0.38% | 4.4% | 4 | thin capital; repo signal; leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/24914 |
| SCHOOLS FINANCIAL | SACRAMENTO, CA | $1-10B | state | 2019-12 | $2.15B | 12.3% | 1.49% | 4.3% | 1 | 3rd-party paper>100% NW | https://getbookiq.com/read/cu/68398 |
| WORKERS | Fitchburg, MA | $1-10B | state · LID | 2020-12 | $2.00B | 10.4% | 0.34% | 4.2% | 4 | delinquency 2x band; delinquency rising; leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/66479 |
| NORTHEAST | Portsmouth, NH | $1-10B | state | 2024-06 | $1.98B | 10.2% | 0.43% | 3.2% | 4 | expense trap; delinquency rising; loans>95% of shares; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/68219 |
| CENTRAL FLORIDA EDUCATORS | LAKE MARY, FL | $1-10B | community · LID | 2019-03 | $1.91B | 11.2% | 0.65% | 3.5% | 1 | 3rd-party paper>100% NW | https://getbookiq.com/read/cu/1976 |
| ADVANTIS | Oregon CIty, OR | $1-10B | state | 2024-09 | $1.90B | 11.6% | 0.19% | -1.7% | 2 | assets shrinking; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/62659 |
| NORTHWEST COMMUNITY | Eugene, OR | $1-10B | state · LID | 2023-03 | $1.84B | 9.9% | 0.82% | -0.4% | 2 | delinquency rising; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/61716 |
| TTCU THE | Tulsa, OK | $1-10B | state | 2017-06 | $1.80B | 12.5% | 0.72% | 3.2% | 3 | charge-offs p90; leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/60553 |
| KERN SCHOOLS | BAKERSFIELD, CA | $1-10B | multiple · LID | 2019-12 | $1.80B | 10.2% | 0.95% | 0.0% | 0 |  | https://getbookiq.com/read/cu/3804 |
| TRUSTONE FINANCIAL | PLYMOUTH, MN | $1-10B | multiple · LID | 2020-09 | $1.79B | 10.8% | 1.83% | 0.1% | 0 |  | https://getbookiq.com/read/cu/24354 |
| COASTHILLS | Santa Maria, CA | $1-10B | state · LID | 2023-12 | $1.79B | 7.8% | 0.35% | 0.1% | 3 | thin capital; leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/68653 |
| HIWAY | Saint Paul, MN | $1-10B | state · LID | 2023-12 | $1.73B | 9.9% | 0.33% | 5.6% | 2 | leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/68721 |
| MEMBER ONE | ROANOKE, VA | $1-10B | multiple · LID | 2024-06 | $1.65B | 9.6% | 0.52% | 3.3% | 3 | delinquency rising; loans>95% of shares; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/4035 |
| FIREFLY | BURNSVILLE, MN | $1-10B | community | 2020-09 | $1.56B | 9.3% | 0.64% | 1.9% | 1 | net worth falling | https://getbookiq.com/read/cu/24297 |
| HIWAY | SAINT PAUL, MN | $1-10B | multiple · LID | 2020-09 | $1.45B | 10.0% | 0.60% | 2.4% | 2 | net worth falling; margin squeeze | https://getbookiq.com/read/cu/24360 |
| INSPIRUS | Seattle, WA | $1-10B | state | 2019-06 | $1.38B | 10.5% | 1.12% | 2.4% | 0 |  | https://getbookiq.com/read/cu/68362 |
| MERITRUST | WICHITA, KS | $1-10B | state · LID | 2019-06 | $1.30B | 9.7% | 0.32% | 0.8% | 3 | loans>95% of shares; leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/63283 |
| NORTH ISLAND FINANCIAL | San Diego, CA | $1-10B | state | 2016-12 | $1.26B | 11.3% | 0.74% | – | 0 |  | https://getbookiq.com/read/cu/68452 |
| CREDIT UNION 1 | Rantoul, IL | $1-10B | state | 2021-12 | $1.23B | 8.7% | 1.12% | -6.8% | 5 | thin capital; expense trap; delinquency 2x band; members leaving; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/96069 |
| HARVARD UNIVERSITY EMPLOYEES | Cambridge, MA | $1-10B | state · LID | 2024-03 | $1.23B | 8.5% | 0.01% | 4.1% | 4 | thin capital; net worth falling; loans>95% of shares; leaning on borrowings | https://getbookiq.com/read/cu/67696 |
| FIREFIGHTERS FIRST | LOS ANGELES, CA | $1-10B | state | 2017-03 | $1.21B | 9.4% | 0.33% | 9.0% | 1 | net worth falling | https://getbookiq.com/read/cu/95053 |
| SESLOC | SAN LUIS OBISPO, CA | $1-10B | community · LID | 2023-12 | $1.19B | 8.7% | 0.41% | 0.8% | 3 | thin capital; leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/4980 |
| PARK COMMUNITY CREDIT UNION, INC. | Louisville, KY | $1-10B | state · LID | 2021-09 | $1.18B | 9.6% | 0.90% | -4.3% | 1 | members leaving | https://getbookiq.com/read/cu/68644 |
| VERMONT STATE EMPLOYEES | Montpelier, VT | $1-10B | state | 2022-12 | $1.13B | 9.4% | 0.83% | 1.1% | 2 | loans>95% of shares; leaning on borrowings | https://getbookiq.com/read/cu/60717 |
| MELROSE | BRIARWOOD, NY | $1-10B | state | 2018-06 | $1.12B | -32.0% | -30.61% | -12.3% | 13 | thin capital; capital below 7%; net worth falling; losing money; delinquency 2x band; charge-offs p90; repo signal; assets shrinking; members leaving; loan book shrinking; loans>95% of shares; leaning on borrowings | https://getbookiq.com/read/cu/62005 |
| POTLATCH NO 1 | LEWISTON, ID | $1-10B | community · LID | 2018-12 | $1.10B | 9.6% | 1.03% | 3.7% | 1 | 3rd-party paper>100% NW | https://getbookiq.com/read/cu/2734 |
| MOBILOIL | Beaumont, TX | $1-10B | community · LID | 2022-09 | $1.10B | 12.3% | 1.13% | 6.8% | 2 | leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/491 |
| WEOKIE | Oklahoma City, OK | $1-10B | state | 2017-09 | $1.08B | 11.6% | 0.68% | 1.3% | 1 | leaning on borrowings | https://getbookiq.com/read/cu/60380 |
| VALLEY FIRST | Modesto, CA | $1-10B | state · LID | 2025-12 | $1.06B | 9.9% | 0.54% | 1.9% | 3 | charge-offs p90; leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/68402 |
| COBALT | Council Bluffs, IA | $1-10B | state | 2020-03 | $1.03B | 9.3% | 0.44% | 0.9% | 4 | net worth falling; loans>95% of shares; leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/68695 |
| RTN | WALTHAM, MA | $1-10B | multiple | 2023-03 | $1.02B | 10.9% | 0.82% | -3.6% | 3 | delinquency rising; assets shrinking; members leaving | https://getbookiq.com/read/cu/24311 |
| DORT | GRAND BLANC, MI | $1-10B | community · LID | 2019-12 | $1.01B | 16.4% | 1.32% | 7.5% | 2 | delinquency 2x band; loans>95% of shares | https://getbookiq.com/read/cu/7569 |
| XCEED FINANCIAL | EL SEGUNDO, CA | $500M-1B | multiple | 2021-03 | $981.8M | 11.0% | -0.85% | -9.2% | 5 | losing money; margin squeeze; members leaving; loan book shrinking; leaning on borrowings | https://getbookiq.com/read/cu/20068 |
| SAC | BELLEVUE, NE | $500M-1B | community | 2018-09 | $964.5M | 8.9% | 0.74% | 5.0% | 5 | thin capital; loans>95% of shares; leaning on borrowings; 3rd-party paper>100% NW; auto monoline | https://getbookiq.com/read/cu/5400 |
| LAUNCH | MERRITT ISLAND, FL | $500M-1B | community · LID | 2020-06 | $869.5M | 11.7% | 0.05% | 1.9% | 1 | net worth falling | https://getbookiq.com/read/cu/15605 |
| ANDIGO | SCHAUMBURG, IL | $500M-1B | state | 2020-03 | $867.8M | 12.0% | -0.05% | 3.4% | 4 | net worth falling; losing money; margin squeeze; delinquency rising | https://getbookiq.com/read/cu/63799 |
| AMPLIFY | Austin, TX | $500M-1B | community | 2016-12 | $850.6M | 9.1% | 0.71% | – | 3 | loans>95% of shares; leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/18304 |
| TRUE SKY | Oklahoma City, OK | $500M-1B | state | 2021-09 | $842.4M | 7.6% | 0.74% | -10.6% | 2 | thin capital; members leaving | https://getbookiq.com/read/cu/62568 |
| MID OREGON | Bend, OR | $500M-1B | community · LID | 2025-09 | $839.8M | 11.2% | 1.69% | 5.2% | 3 | delinquency rising; loans>95% of shares; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/12084 |
| ENVISION | Tallahassee, FL | $500M-1B | state · LID | 2025-09 | $829.4M | 10.2% | -1.73% | -0.6% | 4 | losing money; expense trap; delinquency 2x band; assets shrinking | https://getbookiq.com/read/cu/67329 |
| HERITAGE FINANCIAL | Middletown, NY | $500M-1B | state · LID | 2025-12 | $804.6M | 10.2% | 0.50% | 3.3% | 4 | delinquency 2x band; loans>95% of shares; leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/68711 |
| OKLAHOMA'S | OKLAHOMA CITY, OK | $500M-1B | state | 2023-09 | $797.9M | 12.7% | 0.88% | 1.5% | 3 | delinquency rising; leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/65032 |
| THRIVENT | Appleton, WI | $500M-1B | multiple | 2025-03 | $779.9M | 10.4% | 0.28% | -2.2% | 3 | assets shrinking; loans>95% of shares; leaning on borrowings | https://getbookiq.com/read/cu/24849 |
| FIRST SOUTH FINANCIAL | Bartlett, TN | $500M-1B | state · LID | 2024-06 | $766.0M | 30.3% | 2.65% | 2.2% | 2 | delinquency rising; loans>95% of shares | https://getbookiq.com/read/cu/68084 |
| SUNMARK | Latham, NY | $500M-1B | community | 2019-12 | $740.2M | 9.1% | 1.05% | 8.4% | 2 | expense trap; loans>95% of shares | https://getbookiq.com/read/cu/1884 |
| 121 FINANCIAL | Jacksonville, FL | $500M-1B | state · LID | 2023-12 | $693.8M | 9.3% | 0.27% | 1.8% | 3 | delinquency rising; leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/61605 |
| JEFFERSON FINANCIAL | Metairie, LA | $500M-1B | multiple · LID | 2025-06 | $675.2M | 9.9% | -1.12% | -7.9% | 7 | losing money; expense trap; delinquency 2x band; assets shrinking; members leaving; leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/24871 |
| TOPLINE | MAPLE GROVE, MN | $500M-1B | community | 2022-06 | $675.0M | 9.2% | 0.78% | 3.2% | 1 | 3rd-party paper>100% NW | https://getbookiq.com/read/cu/24568 |
| GULF WINDS | PENSACOLA, FL | $500M-1B | community · LID | 2018-09 | $664.0M | 12.1% | 0.82% | 2.0% | 0 |  | https://getbookiq.com/read/cu/24702 |
| DENALI | ANCHORAGE, AK | $500M-1B | multiple | 2018-09 | $660.5M | 7.6% | 0.24% | 7.3% | 7 | thin capital; expense trap; delinquency 2x band; charge-offs p90; loans>95% of shares; 3rd-party paper>100% NW; auto monoline | https://getbookiq.com/read/cu/5912 |
| FINANCIAL CENTER | Stockton, CA | $500M-1B | state | 2021-09 | $634.4M | 12.4% | -4.99% | -3.1% | 6 | net worth falling; losing money; expense trap; margin squeeze; members leaving; loan book shrinking | https://getbookiq.com/read/cu/60463 |
| GLOBAL | SPOKANE, WA | $500M-1B | state · LID | 2022-06 | $624.6M | 8.4% | 0.21% | 0.9% | 4 | thin capital; net worth falling; expense trap; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/68237 |
| MERRIMACK VALLEY | LAWRENCE, MA | $500M-1B | community · LID | 2018-09 | $614.2M | 10.8% | 0.70% | 3.8% | 0 |  | https://getbookiq.com/read/cu/10066 |
| MISSOURI | Columbia, MO | $500M-1B | state | 2025-03 | $593.1M | 9.7% | -0.24% | -0.8% | 4 | losing money; delinquency rising; 3rd-party paper>100% NW; auto monoline | https://getbookiq.com/read/cu/65656 |
| SUNSTATE | Gainesville, FL | $500M-1B | community · LID | 2020-12 | $587.1M | 10.4% | 1.02% | 5.8% | 1 | 3rd-party paper>100% NW | https://getbookiq.com/read/cu/11789 |
| ADELFI | Brea, CA | $500M-1B | state | 2025-09 | $581.3M | 15.6% | 0.56% | -2.0% | 2 | loan book shrinking; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/63837 |
| LA FINANCIAL | Pasadena, CA | $500M-1B | community · LID | 2024-12 | $559.1M | 8.7% | 0.23% | -7.1% | 3 | thin capital; delinquency rising; members leaving | https://getbookiq.com/read/cu/2024 |
| CP | JACKSON, MI | $500M-1B | multiple · LID | 2020-06 | $552.5M | 11.2% | 0.47% | 2.4% | 3 | net worth falling; margin squeeze; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/8667 |
| UKRAINIAN SELFRELIANCE | Feasterville, PA | $500M-1B | multiple · LID | 2025-09 | $544.7M | 9.4% | 0.18% | 0.8% | 1 | net worth falling | https://getbookiq.com/read/cu/7875 |
| ENVISTA | Topeka, KS | $500M-1B | state | 2022-12 | $530.7M | 11.1% | 0.92% | -1.6% | 2 | expense trap; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/65282 |
| VIBE | NOVI, MI | $500M-1B | state | 2018-12 | $527.3M | 13.8% | 0.38% | 2.4% | 0 |  | https://getbookiq.com/read/cu/62236 |
| PEOPLE'S TRUST | Houston, TX | $500M-1B | multiple | 2022-03 | $524.7M | 10.5% | 0.75% | -0.8% | 1 | 3rd-party paper>100% NW | https://getbookiq.com/read/cu/177 |
| NEXTMARK | Fairfax, VA | $500M-1B | multiple | 2024-12 | $515.7M | 16.3% | 0.78% | -3.3% | 5 | delinquency rising; assets shrinking; members leaving; loans>95% of shares; leaning on borrowings | https://getbookiq.com/read/cu/24658 |
| FIRST FINANCIAL | West Covina, CA | $500M-1B | state | 2016-12 | $510.0M | 8.1% | 0.60% | – | 2 | thin capital; expense trap | https://getbookiq.com/read/cu/68404 |
| SAFEAMERICA | Pleasanton, CA | $500M-1B | state | 2024-12 | $506.9M | 9.9% | -0.31% | -1.8% | 4 | losing money; assets shrinking; loan book shrinking; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/97093 |
| RIVER REGION | Jefferson City, MO | $500M-1B | state · LID | 2023-09 | $500.7M | 8.8% | 0.93% | 7.0% | 2 | thin capital; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/64283 |
| KELLOGG COMMUNITY | BATTLE CREEK, MI | $200-500M | community · LID | 2016-03 | $476.1M | 13.7% | 1.39% | – | 0 |  | https://getbookiq.com/read/cu/4702 |
| KANE COUNTY TEACHERS | Elgin, IL | $200-500M | state | 2024-09 | $464.2M | 9.7% | 1.25% | 6.0% | 2 | delinquency 2x band; charge-offs p90 | https://getbookiq.com/read/cu/95015 |
| HERITAGE | DEFOREST, WI | $200-500M | state | 2021-12 | $461.3M | 11.2% | 0.78% | -3.3% | 2 | members leaving; leaning on borrowings | https://getbookiq.com/read/cu/68385 |
| WINSOUTH | GADSDEN, AL | $200-500M | state | 2025-03 | $456.9M | 10.0% | 0.55% | -0.2% | 3 | net worth falling; delinquency rising; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/97076 |
| CRESCENT | BROCKTON, MA | $200-500M | state · LID | 2019-12 | $443.2M | 15.1% | 0.39% | -0.1% | 3 | loans>95% of shares; leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/68048 |
| HUDSON HERITAGE | MIDDLETOWN, NY | $200-500M | community · LID | 2019-12 | $436.0M | 8.9% | 0.08% | 4.9% | 3 | thin capital; loans>95% of shares; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/3962 |
| UNITED TEXAS | San Antonio, TX | $200-500M | state | 2025-12 | $423.9M | 9.6% | 0.57% | -6.3% | 1 | members leaving | https://getbookiq.com/read/cu/97107 |
| CREDIT UNION OF NEW JERSEY | Ewing, NJ | $200-500M | state · LID | 2021-03 | $420.6M | 6.4% | 0.86% | -2.8% | 7 | thin capital; capital below 7%; net worth falling; expense trap; margin squeeze; delinquency 2x band | https://getbookiq.com/read/cu/65597 |
| MCGRAW HILL | East Windsor, NJ | $200-500M | multiple | 2019-03 | $419.7M | 10.6% | 0.21% | -4.2% | 4 | repo signal; members leaving; loans>95% of shares; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/861 |
| WANIGAS | SAGINAW, MI | $200-500M | state | 2022-06 | $415.3M | 14.1% | 0.85% | -4.2% | 2 | delinquency rising; members leaving | https://getbookiq.com/read/cu/68578 |
| INFUZE | Fort Leonard Wo, MO | $200-500M | state · LID | 2025-03 | $413.0M | 10.0% | 1.03% | 5.3% | 2 | charge-offs p90; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/63996 |
| LOUISIANA | Laplace, LA | $200-500M | multiple · LID | 2024-03 | $409.2M | 13.4% | -0.06% | 0.6% | 4 | losing money; expense trap; delinquency 2x band; charge-offs p90 | https://getbookiq.com/read/cu/174 |
| JEFFERSON FINANCIAL | Metairie, LA | $200-500M | state · LID | 2016-06 | $400.0M | 11.8% | 1.09% | – | 1 | loans>95% of shares | https://getbookiq.com/read/cu/60738 |
| ESSENTIAL | PLAQUEMINE, LA | $200-500M | community · LID | 2022-09 | $394.2M | 8.4% | 0.52% | 6.2% | 4 | thin capital; expense trap; delinquency rising; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/20972 |
| NAVIGATOR CU | Pascagoula, MS | $200-500M | state | 2023-09 | $386.0M | 15.1% | 1.76% | 0.8% | 3 | expense trap; assets shrinking; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/63637 |
| BRIDGEWATER | BRIDGEWATER, MA | $200-500M | state | 2018-12 | $378.9M | 9.6% | 0.10% | 3.6% | 2 | leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/67984 |
| ALLEGIANCE | OKLAHOMA CITY, OK | $200-500M | state | 2021-09 | $371.0M | 7.2% | 0.66% | 3.2% | 2 | thin capital; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/63250 |
| INNOVATIONS | PANAMA CITY, FL | $200-500M | community · LID | 2022-06 | $366.4M | 8.5% | 1.25% | 3.8% | 1 | thin capital | https://getbookiq.com/read/cu/7783 |
| ICON | Boise, ID | $200-500M | state · LID | 2020-06 | $360.5M | 12.1% | 0.99% | 9.8% | 1 | 3rd-party paper>100% NW | https://getbookiq.com/read/cu/68594 |
| MEMBERS 1ST | Redding, CA | $200-500M | state · LID | 2025-09 | $358.9M | 10.4% | 1.49% | -0.1% | 1 | 3rd-party paper>100% NW | https://getbookiq.com/read/cu/62677 |
| HUDSON RIVER COMMUNITY | Corinth, NY | $200-500M | state · LID | 2025-12 | $358.5M | 14.9% | 0.54% | 2.3% | 0 |  | https://getbookiq.com/read/cu/68342 |
| GLENDALE AREA SCHOOLS | GLENDALE, CA | $200-500M | multiple | 2016-03 | $355.1M | 12.8% | 0.87% | – | 0 |  | https://getbookiq.com/read/cu/2170 |
| CATHOLIC | SAGINAW, MI | $200-500M | multiple · LID | 2019-03 | $347.1M | 11.7% | 0.00% | -0.5% | 1 | 3rd-party paper>100% NW | https://getbookiq.com/read/cu/10848 |
| RIVER VALLEY | MIAMISBURG, OH | $200-500M | state · LID | 2018-09 | $341.9M | 9.5% | 0.43% | -1.0% | 2 | loans>95% of shares; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/68475 |
| YORK COUNTY | Sanford, ME | $200-500M | community | 2019-03 | $337.6M | 9.6% | 0.61% | 5.7% | 3 | net worth falling; loans>95% of shares; leaning on borrowings | https://getbookiq.com/read/cu/9508 |
| INFINITY | PORTLAND, ME | $200-500M | community · LID | 2021-03 | $336.3M | 10.2% | 1.05% | -0.9% | 2 | expense trap; delinquency 2x band | https://getbookiq.com/read/cu/24173 |
| MY COMMUNITY | Midland, TX | $200-500M | community · LID | 2016-12 | $335.1M | 10.5% | 0.45% | – | 4 | delinquency 2x band; charge-offs p90; 3rd-party paper>100% NW; auto monoline | https://getbookiq.com/read/cu/7676 |
| BELVOIR | WOODBRIDGE, VA | $200-500M | multiple · LID | 2016-03 | $333.3M | 8.1% | -0.12% | – | 3 | thin capital; losing money; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/5356 |
| MILL CITY CREDIT UNION | Minnetonka, MN | $200-500M | state | 2018-12 | $332.0M | 11.7% | 0.80% | 1.2% | 0 |  | https://getbookiq.com/read/cu/68654 |
| GREAT RIVER | Saint Cloud, MN | $200-500M | multiple · LID | 2025-06 | $329.7M | 7.7% | 0.72% | 1.0% | 3 | thin capital; assets shrinking; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/24632 |
| LOC | FARMINGTON, MI | $200-500M | community | 2022-06 | $327.4M | 7.9% | 0.29% | -10.4% | 3 | thin capital; members leaving; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/6651 |
| PORTLAND | PORTLAND, MI | $200-500M | community · LID | 2018-03 | $326.0M | 10.2% | 0.83% | 5.5% | 1 | 3rd-party paper>100% NW | https://getbookiq.com/read/cu/5477 |
| PROGRESSIVE | NEW YORK, NY | $200-500M | state | 2018-12 | $325.6M | -1.6% | -31.63% | -8.3% | 13 | thin capital; capital below 7%; net worth falling; losing money; expense trap; delinquency 2x band; charge-offs p90; assets shrinking; members leaving; loan book shrinking; loans>95% of shares; leaning on borrowings | https://getbookiq.com/read/cu/60064 |
| SCIENT | Groton, CT | $200-500M | multiple | 2025-09 | $325.1M | 9.6% | -0.12% | 1.0% | 5 | losing money; assets shrinking; loans>95% of shares; leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/24029 |
| IH CREDIT UNION, INC. | SPRINGFIELD, OH | $200-500M | state · LID | 2016-09 | $298.3M | 16.6% | 0.56% | – | 2 | leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/61744 |
| BENCHMARK | West Chester, PA | $200-500M | multiple | 2025-12 | $296.4M | 10.3% | -0.12% | -9.0% | 5 | losing money; delinquency rising; assets shrinking; members leaving; leaning on borrowings | https://getbookiq.com/read/cu/3738 |
| MUTUAL | Vicksburg, MS | $200-500M | state · LID | 2023-06 | $295.6M | 12.6% | 1.51% | 0.5% | 0 |  | https://getbookiq.com/read/cu/63584 |
| HARVESTERS | Cantonment, FL | $200-500M | state · LID | 2024-09 | $289.7M | 8.5% | 0.12% | 6.2% | 6 | thin capital; expense trap; delinquency rising; repo signal; 3rd-party paper>100% NW; auto monoline | https://getbookiq.com/read/cu/68726 |
| COOSA VALLEY | ROME, GA | $200-500M | community · LID | 2016-12 | $286.9M | 8.4% | 0.06% | – | 4 | thin capital; delinquency 2x band; repo signal; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/9488 |
| I.L.W.U. | Long Beach, CA | $200-500M | state | 2019-06 | $286.1M | 11.4% | 1.10% | 8.2% | 0 |  | https://getbookiq.com/read/cu/64546 |
| PARSONS | Pasadena, CA | $200-500M | multiple | 2022-12 | $284.4M | 9.8% | -0.51% | 18.6% | 2 | losing money; delinquency rising | https://getbookiq.com/read/cu/22141 |
| ANOKA HENNEPIN | Coon Rapids, MN | $200-500M | state | 2024-06 | $282.2M | 8.8% | 0.06% | 1.4% | 1 | thin capital | https://getbookiq.com/read/cu/60148 |
| AVENTA | Colorado Spring, CO | $200-500M | state · LID | 2023-12 | $274.7M | 8.4% | -0.24% | -1.4% | 7 | thin capital; losing money; delinquency rising; assets shrinking; loans>95% of shares; 3rd-party paper>100% NW; auto monoline | https://getbookiq.com/read/cu/62755 |
| SPERRY ASSOCIATES | Garden City Par, NY | $200-500M | multiple | 2020-09 | $265.4M | 8.4% | 0.33% | -0.1% | 2 | thin capital; delinquency 2x band | https://getbookiq.com/read/cu/1787 |
| PANHANDLE EDUCATORS | Panama City, FL | $200-500M | multiple · LID | 2020-09 | $263.2M | 12.0% | 0.85% | 1.6% | 1 | margin squeeze | https://getbookiq.com/read/cu/11804 |
| COLUMBUS METRO | Columbus, OH | $200-500M | community · LID | 2020-12 | $259.0M | 10.6% | 0.11% | -8.2% | 3 | members leaving; 3rd-party paper>100% NW; auto monoline | https://getbookiq.com/read/cu/7393 |
| DEER VALLEY | Phoenix, AZ | $200-500M | state | 2019-09 | $254.1M | 9.0% | 0.68% | 0.4% | 1 | 3rd-party paper>100% NW | https://getbookiq.com/read/cu/68498 |
| UNITED 1ST | Kingsland, GA | $200-500M | community | 2022-06 | $253.5M | 8.2% | -1.20% | -0.9% | 4 | thin capital; net worth falling; losing money; expense trap | https://getbookiq.com/read/cu/68715 |
| VALLEY FCU OF MONTANA | BILLINGS, MT | $200-500M | community · LID | 2018-03 | $252.3M | 11.6% | 1.14% | 6.5% | 3 | delinquency rising; 3rd-party paper>100% NW; auto monoline | https://getbookiq.com/read/cu/24214 |
| PREMIER | Greensboro, NC | $200-500M | multiple · LID | 2021-03 | $251.6M | 12.3% | 0.08% | -0.1% | 4 | net worth falling; expense trap; margin squeeze; charge-offs p90 | https://getbookiq.com/read/cu/15863 |
| NORTHERN | WATERTOWN, NY | $200-500M | multiple | 2018-09 | $247.6M | 7.7% | 0.59% | 1.0% | 3 | thin capital; expense trap; loans>95% of shares | https://getbookiq.com/read/cu/10578 |
| HARVESTERS | Cantonment, FL | $200-500M | community · LID | 2021-03 | $245.9M | 8.1% | 0.57% | 11.4% | 5 | thin capital; net worth falling; expense trap; margin squeeze; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/5727 |
| ALLIANCE | LUBBOCK, TX | $200-500M | community · LID | 2016-09 | $245.4M | 13.9% | 0.63% | – | 2 | net worth falling; leaning on borrowings | https://getbookiq.com/read/cu/3987 |
| ROCKY MOUNTAIN | Helena, MT | $200-500M | state | 2018-09 | $244.9M | 9.7% | 0.63% | 4.8% | 3 | net worth falling; delinquency rising; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/63261 |
| ORLANDO | ORLANDO, FL | $200-500M | community · LID | 2019-09 | $243.9M | 9.2% | 0.72% | 1.1% | 2 | delinquency rising; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/1213 |
| INVESTEX | Humble, TX | $200-500M | state | 2022-12 | $241.0M | 10.8% | 0.83% | -9.9% | 4 | delinquency rising; assets shrinking; members leaving; auto monoline | https://getbookiq.com/read/cu/67637 |
| UNITED TEXAS | SAN ANTONIO, TX | $200-500M | community | 2017-06 | $240.2M | 9.1% | 0.55% | -17.4% | 2 | members leaving; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/10245 |
| COMMUNITY FINANCIAL | BROOMFIELD, CO | $200-500M | state | 2016-03 | $239.8M | 10.1% | -4.83% | – | 3 | losing money; expense trap; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/68550 |
| CARDINAL CREDIT UNION, INC. | MENTOR, OH | $200-500M | state · LID | 2019-09 | $233.6M | 13.0% | 0.45% | -4.8% | 2 | members leaving; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/96753 |
| GENFED FINANCIAL | Akron, OH | $200-500M | state | 2016-12 | $231.2M | 15.8% | 0.19% | – | 0 |  | https://getbookiq.com/read/cu/68611 |
| VALOR | SCRANTON, PA | $200-500M | multiple · LID | 2016-12 | $227.6M | 5.6% | -0.97% | – | 7 | thin capital; capital below 7%; losing money; delinquency 2x band; charge-offs p90; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/9198 |
| ENCURAGE FINANCIAL NETWORK | Chicago, IL | $200-500M | state · LID | 2024-03 | $221.7M | 6.9% | -1.29% | -11.8% | 9 | thin capital; capital below 7%; net worth falling; losing money; members leaving; loans>95% of shares; leaning on borrowings; 3rd-party paper>100% NW | https://getbookiq.com/read/cu/68450 |
| LOUVIERS | Newark, DE | $200-500M | multiple | 2025-09 | $220.3M | 17.5% | 0.07% | -2.9% | 1 | assets shrinking | https://getbookiq.com/read/cu/18765 |
| DANE COUNTY | Madison, WI | $200-500M | state | 2021-12 | $217.1M | 8.1% | 1.05% | -6.9% | 2 | thin capital; members leaving | https://getbookiq.com/read/cu/66884 |
| CONSTELLATION | RESTON, VA | $200-500M | multiple | 2019-06 | $215.8M | 10.1% | -9.88% | -5.3% | 4 | losing money; margin squeeze; delinquency rising; members leaving | https://getbookiq.com/read/cu/5098 |

Page: https://getbookiq.com/cu-intel/#post · filters: band, fom (community, multiple, single, associational, state), year, minscore. NCUA's merger list names acquirers and separates supervisory mergers; read it next. A profile match to this path is not a prediction.

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