# ALDERSGATE Marion, IL · NCUA charter 15062 · asset band <$50M · latest filing 2025-06 · stopped filing after 2025-06 (departed; for a credit union that is almost always a merger) Share link (named URL with a preview card): https://getbookiq.com/cu/aldersgate-15062 Who the members are: federal charter, associational, organized 1962. 811 members of 2,450 potential (33.1% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 83. **Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice). ## What the filing shows | Measure | Value | |---|---| | Total assets | $3.6M | | Members | 811 (1.6% YoY) | | Full-time staff | 1 | | Net worth | $-5.9M | | Net worth ratio | -166.3% (p0 of band) | | ROA (annualized) | -391.12% (p0 of band) | | Total delinquency | 28.98% (p100 of band) | | Net charge-offs (annualized) | 0.00% (p26 of band) | | Loans / shares | 109% (p98 of band) | | Cash / assets | 6.2% | | Borrowings / assets | 0.00% | | Net interest margin | 9.31% (p100 of band) | | Operating expense / assets | 4.71% (p76 of band) | | Vehicles % of loans | 10% (p8 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% | | Third-party paper % of net worth | – | | Vehicle delinquency | 7.23% (p96 of band) | | Vehicle NCO | 0.00% (p28 of band) | | Repossessed % of vehicle book | 0.00% (p46 of band) | | Real estate % of loans | 0% | | Credit cards % of loans | 0% | | Unsecured % of loans | 83% | | Commercial % of net worth | – | | Core shares % of member funds | 83% | | Certificates % of member funds | 0% | | Average share balance | $11,190 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | – | | Loans outstanding per 100 members | 83% | | Loans granted per 100 members, annualized | 22% | | Average loan balance | $15,331 | | Loans granted, annualized | $3.6M | ## Flags firing in the latest filing - **thin capital** (`cap_low`) - **capital below 7%** (`cap_critical`) - **losing money** (`earn_negative`) - **delinquency 2x band** (`aq_dq_high`) - **delinquency rising** (`aq_dq_rising`) - **assets shrinking** (`shrink_assets`) - **loans>95% of shares** (`str_ltos`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2016-03 | 1 | loans>95% of shares | | | 2016-06 | 1 | | | | 2016-09 | 1 | | | | 2016-12 | 1 | | | | 2017-03 | 2 | margin squeeze | | | 2017-06 | 1 | | margin squeeze | | 2017-09 | 1 | | | | 2017-12 | 2 | margin squeeze | | | 2018-03 | 1 | | margin squeeze | | 2018-06 | 1 | | | | 2018-09 | 1 | | | | 2018-12 | 2 | members leaving | | | 2019-03 | 3 | margin squeeze | | | 2019-06 | 3 | net worth falling | members leaving | | 2019-09 | 3 | | | | 2019-12 | 3 | | | | 2020-03 | 1 | | margin squeeze, net worth falling | | 2020-06 | 1 | | | | 2020-09 | 2 | net worth falling | | | 2020-12 | 1 | | loans>95% of shares | | 2021-03 | 2 | margin squeeze | | | 2021-06 | 2 | | | | 2021-09 | 1 | | net worth falling | | 2021-12 | 1 | loans>95% of shares | margin squeeze | | 2022-03 | 1 | | | | 2022-06 | 1 | | | | 2022-09 | 1 | | | | 2022-12 | 1 | | | | 2023-03 | 2 | net worth falling | | | 2023-06 | 1 | | net worth falling | | 2023-09 | 1 | | | | 2023-12 | 1 | | | | 2024-03 | 3 | net worth falling, margin squeeze | | | 2024-06 | 3 | | | | 2024-09 | 3 | | | | 2024-12 | 2 | | net worth falling | | 2025-03 | 1 | | margin squeeze | | 2025-06 | 8 | thin capital, capital below 7%, losing money, delinquency 2x band, delinquency rising, assets shrinking | | ## In the news (Google News, unfiltered, newest first; check the city) - 2025-07-01 [NCUA closes 2 credit unions in 2 days - Banking Dive](https://news.google.com/rss/articles/CBMiogFBVV95cUxQalp4a3lDWDF6WWc5ZjJGY0tqSlg5UDV6czhORFAxVWhQZU1YS2F0QURwWlJSWW5BbXNYSGVpWHdpczAxM0g1dFlER21pV2dWR1lYZ2ZGSWtXS2pCUHU4OGFoVUdrTk5oQXJIdlp5MzJ1ajRhYkhHTkZKem5ER2dMa0dNWXhReXRrMVQ1dnNhak1xRVdEVFZ1NFRJbkFQaGZJd0E?oc=5) · Banking Dive - 2025-07-01 [NCUA's one-member board liquidates two failed credit unions - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxPSUtzY2RQRno1NUc5Wll3UWdyVnMtZjBWTVZGOThjd21lLVRaTUxnRE40NzVVVmw4bnQtUFhXXzVyTjltNGMwZkF5Sm9WT2Y1WGhRbVB6OUFzeDlZSEVha3ljbXduaFB0VmZQRUpOOXBmT09pVjRhV0g1OWktcC1hTXJPOEw4Rk03OHA1cVE1NzBwR2habUpROWVn?oc=5) · American Banker - 2025-12-05 [All the Banks and Credit Unions That Failed in 2025 - U.S. News & World Report](https://news.google.com/rss/articles/CBMilgFBVV95cUxORWgzQ0UwU1QtamFOSUV2VkNBM1VMZGxabDZtWGtwT3dlb19Sa25nRjR0dVo2eExQNWoxcEgwMGV1WjRGSWJ0Rzd2cmZCdzZsNmVKN0JxTUF3dkNZM2w5aDRHMEpZY0N5RldKYjlLNlVZUml5aHFid1lIWktQMi0tYkROVkU5d29oU05BZ0s5TVJtU2NxQlE?oc=5) · U.S. News & World Report - 2025-11-05 [Marilyn Totten - morningsentinel.com](https://news.google.com/rss/articles/CBMickFVX3lxTFBxbHBxZzN5ZHpJNVRSUXUwbnVJN0p3T0ZDaWZUYk1XNVJWa1l4ZXc1Y3ljaDdpNEJmMDhXU2pGV1pBTW9NZUpXZ0RTR0dJU21TT0xZNElnaVlMRmU4Rmx2YW00Sm9ZM0JkQ2Myekx6RXJqQQ?oc=5) · morningsentinel.com - 2020-01-09 [Rebecca Caldwell Obituary - Montgomery, AL - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPOTI5bHRLbTN1YnFvYk5MM1l4MGV5MUlLQkV5ZEg4R05iVzVNT3NlSFpYV09JalFGZUdGcU9BMF9KbGEzWDdXei1Dell6TnpPWm00ZlJhYUhEZWdUd0t4Vl82S2tHNlFTTkNYWXlOekdMM29UOGthMzZPeF9XT1lDeE9LLXVRZ2p1?oc=5) · Dignity Memorial ## How to verify - Page: https://getbookiq.com/cu-intel/#cu=15062 (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/22.json (key "15062", 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=15062 - 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide