# COMMUNITY FOCUS
Brownstown, MI · NCUA charter 14098 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-focus-14098

Who the members are: federal charter, community charter, organized 1960, low-income designated. 4,726 members of 270,000 potential (1.8% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 70.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $68.9M |
| Members | 4,726 (2.1% YoY) |
| Full-time staff | 19 |
| Net worth | $9.6M |
| Net worth ratio | 13.9% (p62 of band) |
| ROA (annualized) | -0.26% (p8 of band) |
| Total delinquency | 0.49% (p42 of band) |
| Net charge-offs (annualized) | 0.66% (p80 of band) |
| Loans / shares | 52% (p34 of band) |
| Cash / assets | 17.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.51% (p41 of band) |
| Operating expense / assets | 4.89% (p86 of band) |
| Vehicles % of loans | 50% (p62 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 64% |
| Third-party paper % of net worth | 217% (p94 of band) |
| Vehicle delinquency | 0.80% (p62 of band) |
| Vehicle NCO | 0.91% (p79 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 12% |
| Average share balance | $7,504 |
| Participations bought / yr | $5.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $1.7M |
| Loans outstanding per 100 members | 70% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $9,444 |
| Loans granted, annualized | $12.4M |

## Participation posture (from the same filings)

Bought $5.4M and sold $0 in the latest annualized quarter; $1.7M outstanding purchased (18.2% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 5.8% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## 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 | 0 |  |  |
| 2017-06 | 2 | delinquency 2x band, delinquency rising |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | charge-offs p90 |  |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | net worth falling, losing money |  |
| 2019-06 | 3 |  | net worth falling |
| 2019-09 | 2 |  | losing money |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | net worth falling, margin squeeze |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 4 | members leaving, loan book shrinking |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 6 | net worth falling, margin squeeze |  |
| 2022-06 | 3 | 3rd-party paper>100% NW | delinquency 2x band, loan book shrinking, net worth falling, margin squeeze |
| 2022-09 | 2 |  | members leaving |
| 2022-12 | 3 | auto monoline |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 5 | delinquency 2x band, delinquency rising |  |
| 2023-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2023-12 | 6 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2024-03 | 4 | losing money | charge-offs p90, delinquency 2x band, delinquency rising |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 6 | delinquency rising, assets shrinking, members leaving |  |
| 2024-12 | 4 |  | delinquency rising, members leaving |
| 2025-03 | 5 | charge-offs p90, loan book shrinking | losing money |
| 2025-06 | 4 | members leaving | auto monoline, charge-offs p90 |
| 2025-09 | 1 |  | assets shrinking, loan book shrinking, members leaving |
| 2025-12 | 3 | net worth falling, losing money |  |
| 2026-03 | 3 |  |  |

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

- 2026-08-13 [The Best Credit Unions Of 2025 - Bankrate](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5ib0NLcS1PRHlua25MWkZkdDZ4bkxOeDZWZHlHenRLeTZjV0p3LW5OSUFOZ0QwQmpwZDJMMGdsQ3NFR25GeVNic0F5bnkzNHdLdTNxQUpWYXlmcEZiQ2lscVBn?oc=5) · Bankrate
- 2026-06-15 [The Move to a Credit Union Can Change More Than a Job Title - CUTimes](https://news.google.com/rss/articles/CBMimwFBVV95cUxNMW14a2JGVzNCaXBfODIteGNrUlZRWlIyTzZuZ1BlWGJvc2phSDV2X0FEc2x6U3BvTWJkb0xvNFBoUFlQYWN0YXNReWU0V01OZlZLcnpsRXB0Sng4TmRqU256ZWZLTjJLbmJaLWd4b0xDMzJ5OVVSM1FHMHN0djJha2FCei1vX09LVW1WalFDVFdfM0xWWk1pcVRtVQ?oc=5) · CUTimes
- 2025-11-18 [Davenport appoints CEO of Lake Michigan Credit Union to its board - Davenport University](https://news.google.com/rss/articles/CBMipgFBVV95cUxOWEdTcWEyRWZqeFpSc0JmemI0SFZ2ZzEteXpycGNKTWNvRmlsZDFkcmdPSzlHOFh4RUl5NjM4eEtGOGhpYWN4ZG50ZjA0WW90bVdIWlUxeWR4Ym11OHdzZ2JuTjlEVXE4TTRhS1BUMmpaRnBtMlU5TkVoT2U1ZDljWFVmRjA0UWw0a2toUEdXSG04cTZsZkhGakVpYy1yWXp2c2NPVlFB?oc=5) · Davenport University
- 2026-03-11 [Credit union strikes deal for Wisconsin community bank - American Banker](https://news.google.com/rss/articles/CBMilAFBVV95cUxOZmFfQ1BuTmRUdHV0V1dqZ0xNZEl5VjdoZmJOTHhMWkRiVHRFSDJlal9ZaWJHZ1JZcUdFTE1zOWZnVWJDZmgyMTZLSFBOMWt5aE92amZ6OVFyam9taExmWVUwT2JOblJDTkhpRGtWdmNON2lmQXh1T3dlVmVaT05YLWhCOFBTN2h2T3FlQUdWdnZqNE5N?oc=5) · American Banker
- 2026-06-04 [Long Island banks build workforces around emotional intelligence, community connection - Long Island Business News](https://news.google.com/rss/articles/CBMilgFBVV95cUxQY0V1VDF5LTZZTU1iZUJyQkVRM2U4ZzQxOHZjZGkyS25rclR6bFBmUHJRTUdzSWtGRGp5aXBSNVFQY2JVbFBIbHE0X041eDRDejlNb0NHX0hxSkpuaEVzVHM1Qk1OdXBxWGJZOF8td3ppdnlKOTltVXpwdE9fN1ZuS2NUYmppN2M3cEJ1YTFjbWVHd09aamc?oc=5) · Long Island Business News
- 2026-03-18 [S&P Global Market Intelligence Releases Annual Rankings of Best-Performing U.S. Community Banks, Public Banks and Credit Unions for 2025 - Investing News Network](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPQ2pvakg0WldfSG9LRTRjVjlzdFh5MWRycGZWT29BLVd1UXFmTWdZdWl3bVpzaEFGUk5zOWpxN25EUnZOcWxKX25HZFlQT0F1OXo2VE01VFNZQkM3N1hjLXJkNWtNRGc1VlluSFZBOXZXdXlZXy13SVk2d0Z2X0p4NHk5aDFHLTlvQllfY0FwdnpWdnRhQlpDN0Z0d2ZUVXZrVW43S1dDM09SX3g5ZmpzN1NPSGg3aENJTExkN0xMeHdqR0xjcmNSeENhZWIyTUlVX1ExdmJ2My1UQm5rTzA3LVFaNFBoVDI5amNOTjQtbHpYZw?oc=5) · Investing News Network
- 2026-05-05 [The 10 Largest Credit Unions In The U.S. - Bankrate](https://news.google.com/rss/articles/CBMidEFVX3lxTFA4ZGZEYmpOV1llV1R3VDk5T1pYcURFb01HcEc0VTQ2RlFfajJfa1UtMi1HRGN6ZDFsaXUzcEVsaDlKZDE5NW9YTkgyWU82V3lWT25sYi1SOXlNSWhlT0p0N1JLbzFKaWJRc2N5dHozMndDbVI0?oc=5) · Bankrate
- 2026-03-18 [S&P Global Market Intelligence Releases Annual Rankings of Best-Performing U.S. Community Banks, Public Banks and Credit Unions for 2025 - PR Newswire](https://news.google.com/rss/articles/CBMilwJBVV95cUxOd3FSNXI3TTA4YXh1NUlHem1wQTRBMlZpUHhXSktKSTFTdy1aSFFVcjJYbnlJYUx0V1VXOXpfVk9FdHFDNTByUEJWeWxGZHF5Y0FpeWNwMmFLZ2NISGYxOGRPVzhHbEZDYWR4aXhXQ0tvUENONDVuZVZRbFc0RVdXd2lzMWtkQmRmYUxRUDktcXQzWmRZeVloRkhJYVBGQU82MTdVbzlvS3p5cEFjcU9NQ0s1MVZQUm9wanNmZmFDVFdCeUUzVU1qeVU1ZFg5aFNrLXZPdEVzazhoNmdYUEhfOXJXNENaYXhkTmlSU0lYQ2RUYjFTdWxIV1JDb1JuZmR3WDJPbmUxeHp2cG5fX29BR01HTlAzNkU?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14098 (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/18.json (key "14098", 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=14098
- 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