# NEW CENTURY
Joliet, IL · NCUA charter 1251 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/new-century-1251

Who the members are: federal charter, multiple common bond, organized 1936, low-income designated. 4,530 members of 25,000 potential (18.1% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $59.1M |
| Members | 4,530 (0.0% YoY) |
| Full-time staff | 11 |
| Net worth | $8.2M |
| Net worth ratio | 13.9% (p62 of band) |
| ROA (annualized) | 0.66% (p47 of band) |
| Total delinquency | 0.87% (p66 of band) |
| Net charge-offs (annualized) | 0.11% (p34 of band) |
| Loans / shares | 47% (p25 of band) |
| Cash / assets | 52.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.43% (p36 of band) |
| Operating expense / assets | 3.20% (p37 of band) |
| Vehicles % of loans | 39% (p44 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.08% (p15 of band) |
| Vehicle NCO | 0.03% (p37 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 22% |
| Average share balance | $7,035 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $13,120 |
| Loans granted, annualized | $6.2M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 3 | delinquency rising, assets shrinking |  |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | losing money |  |
| 2019-06 | 3 | delinquency rising | losing money |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | assets shrinking |
| 2020-06 | 1 | net worth falling | members leaving |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 1 | margin squeeze |  |
| 2021-12 | 0 |  | margin squeeze |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 2 | delinquency rising, members leaving | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | losing money, assets shrinking | delinquency rising, members leaving |
| 2023-06 | 1 |  | losing money |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | losing money, delinquency 2x band | assets shrinking |
| 2024-06 | 2 |  | losing money |
| 2024-09 | 0 |  | delinquency rising, delinquency 2x band |
| 2024-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2025-03 | 0 |  | delinquency 2x band, delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

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

- 2018-07-27 [Joliet Bank Robbery Suspect Nabbed In Different State - Patch](https://news.google.com/rss/articles/CBMijAFBVV95cUxNWUVBSEIxb1BvOUVXSll4azZnai1CWENfQlcxdnZ5MGdfbUprWGRaa1duNDRfcGx1ejJNb19jRmpFcURIVGo2RTYwRG5ZZ2ZIT0tfVC1feEdQQ1haVHNkODVFSjh3bUdaR0FpeUhiT3BvVkgzY1Q4cWVXbVUxMkducFNIazN2b3I1anpoOA?oc=5) · Patch
- 2025-01-19 [New Joliet mental health center proposed near former U.S. Steel site - Shaw Local](https://news.google.com/rss/articles/CBMisgFBVV95cUxNVXppYjI2X2gwNWxUNVNuc2pGTW5HY0t3VVFaTTlreVp4WktJNmZncXdWX24yYV9VVjZQRVllNnZlUjVndzBoNk5nYkNyX1hSSFVPZ2xzUUFHd0xNSkZmQWxDLTVnUEtBUHc4SkVOaFNNVDlCQ3l0cHUwQVM2ZF9YT3JvRGpHdUs1Qjc5OURYTlhEWm5FLXV2MXFMMjd5cWpYU29IeFZZeUwwYkg1djNHMmh3?oc=5) · Shaw Local
- 2025-04-08 [Turnpike Troubadours Announce New Album "The Price of Admission" - countrycentral.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQVS1YN3l1d0s2OVZ5QXNkYjJudS1LLTBEVnZDX3FpY0VsSldfZEdkTmN4Ry1EaERkM3plZk9HU2V5akdnTDB1bW5IdUw4WFBlbkpBOEtrcVRwVGJ6MTVmX0NkVXFrSF9mUVFoeUFUZERvX1Z2Ti1LUG04RXdiS3JKYmh6c0dqem5CaHlfc2d0Mk9DNm1nRW50TERkTQ?oc=5) · countrycentral.com
- 2013-06-05 [John Simpson Obituary (2013) - Joliet, IL - Herald-News - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxQYUgtcTYtOWhhV3JZZVdkOWJ0cmdfWllEQlduWEdsSm9Pd1JCSE1oeFd5VXFvX1lKWkdjNnVKX3kyMzZEMV9QSEF6M1V3NVBCeUZfQjc4MnZJWUJEY1hZZTNEYjZBd29nN2FSZFVWcXl6ejdOX3gxUzdpNmxKeWlSSnhsLTVWYzZHRUVsNXhFNlFYcjFk?oc=5) · Legacy obituary
- 2025-05-14 [Turnpike Troubadours Expand Wild America Tour With Arena Stops, U.K. Dates, and Surprise #1 Album - That Eric Alper](https://news.google.com/rss/articles/CBMi0AFBVV95cUxORTBkazFYY0F6dkVyY1psZlJyLTUxc0pPZ2R4WUZieDMtZUlrSFRJUGZCOXJ0QTBqbVIyeS1DX0E2amZsbmdMcWJqMnNrYXBndVV4R2lTeTlEQzlPUHNGOWo5Z3R1cURUMlYzY1MwdllYNjM3dTJJX0w0ZGhSdzJ2SmRSNUJrYXRlNndJanduWlQ4YjUzb2NwcHlELW93dS04UmM5dnc5UlppWUdSTGl5NjNDTUJ6TlpzQlJ5WUZWeFdjbTZaUGpsdFkxR0g5alQ1?oc=5) · That Eric Alper
- 2025-05-13 [Turnpike Troubadours Announce “Wild America Tour” 2025 - - Saving Country Music](https://news.google.com/rss/articles/CBMijAFBVV95cUxPX01fZ2ZsNEd2VWNOMVNPTjhXREY4UVVta210T1c4elZQcmVYcTA2TjEzNEN0eUN1V3FVWXkyUkE0aFVXdUFLejh2VFJmN1d4ejFTSUxYakdvZHpLdlZVeTMxYmhtMEhfRDczODUyWUprRWpfbWlRUGRJY1RtZkFRMGViekg1SlFucm5kaQ?oc=5) · - Saving Country Music
- 2011-11-04 [Credit Union Membership Spikes With 'Bank Transfer Day' - Patch](https://news.google.com/rss/articles/CBMidkFVX3lxTFAyVzc3U0dvNzg2WGh3VWoxcnczVHR6eUlxbmYzd09UUDA5YndzNXlTSTRJbGRXZnRrV01DSVRZd09DUUJkZHBtRGxBaFhoNFRMUmdVZ2RCdk1QN2ZDV0gzMHlabG1kVnJDYm9EcDhEQzdzbDkyeFE?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1251 (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/35.json (key "1251", 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=1251
- 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