# SHILOH BAPTIST
WAUKEGAN, IL · NCUA charter 15812 · asset band <$50M · latest filing 2022-09 · stopped filing after 2022-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/shiloh-baptist-15812

Who the members are: federal charter, associational, organized 1963, low-income designated, minority depository institution. 138 members of 200 potential (69.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 3.

**Verdict on the desk:** this could be *too clean*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $80,056 |
| Members | 138 (-8.0% YoY) |
| Full-time staff | 0 |
| Net worth | $4,871 |
| Net worth ratio | 6.1% (p2 of band) |
| ROA (annualized) | -1.81% (p4 of band) |
| Total delinquency | 0.01% (p19 of band) |
| Net charge-offs (annualized) | 0.00% (p30 of band) |
| Loans / shares | 12% (p4 of band) |
| Cash / assets | 101.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.41% (p81 of band) |
| Operating expense / assets | 7.51% (p98 of band) |
| Vehicles % of loans | 87% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p42 of band) |
| Vehicle delinquency | 0.00% (p17 of band) |
| Vehicle NCO | 0.00% (p30 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 34% |
| Certificates % of member funds | 0% |
| Average share balance | $37,247 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 3% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $2,220 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 | net worth falling | losing money |
| 2016-12 | 3 | losing money |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 | loan book shrinking | net worth falling |
| 2017-09 | 4 | delinquency rising |  |
| 2017-12 | 8 | thin capital, net worth falling, delinquency 2x band, assets shrinking |  |
| 2018-03 | 8 | margin squeeze | assets shrinking |
| 2018-06 | 4 | assets shrinking | auto monoline, loan book shrinking, thin capital, net worth falling, margin squeeze |
| 2018-09 | 4 |  |  |
| 2018-12 | 5 | members leaving, auto monoline | delinquency rising |
| 2019-03 | 4 |  | losing money |
| 2019-06 | 5 | losing money |  |
| 2019-09 | 4 |  | auto monoline |
| 2019-12 | 5 | delinquency rising |  |
| 2020-03 | 4 | margin squeeze | assets shrinking, delinquency rising |
| 2020-06 | 7 | net worth falling, delinquency rising, loan book shrinking |  |
| 2020-09 | 3 | assets shrinking | members leaving, losing money, margin squeeze, net worth falling, delinquency rising |
| 2020-12 | 4 | losing money |  |
| 2021-03 | 5 | delinquency rising |  |
| 2021-06 | 2 |  | loan book shrinking, assets shrinking, delinquency rising |
| 2021-09 | 5 | delinquency rising, assets shrinking, loan book shrinking, auto monoline | losing money |
| 2021-12 | 5 | losing money, expense trap | delinquency rising, auto monoline |
| 2022-03 | 5 | margin squeeze, members leaving | delinquency 2x band, expense trap |
| 2022-06 | 6 | expense trap, delinquency 2x band, auto monoline | margin squeeze, members leaving |
| 2022-09 | 9 | thin capital, capital below 7%, members leaving | delinquency 2x band |

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

- 2017-06-02 [Barbara Lucas Obituary (2017) - Waukegan, IL - Lake County News Sun - Legacy obituary](https://news.google.com/rss/articles/CBMingFBVV95cUxOeUYza0I4LUxNeEJXX3RJbmhqcElNcE9LaU5FN09hbXl1SFNUX3o1OXBIZGtKdTBYOW4wUzJGVW9OUW9NVGZoTlNMQXRJSGIzWk12RC1SSVVpMl9tejIwRjdQYzM3WjdBTHNMNUMtTWxMRDVXMGJybWZSZVNscklob19keXlQS3BKZ3BPemdrZU5VUFh1WEFYcC1UUk5NQQ?oc=5) · Legacy obituary
- 2014-03-12 [CLARENCE JAMISON Obituary (2014) - Maple Heights, OH - Cleveland.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQaUxjVm1DNEh1c3hoTlJpMzJJYnZVTnExY1J6ZDVXQ2pEc1NiMU9sek9wLXZZaWlRQmFqOXFzWVVkbWdGMXBoTTZCcHZXY0Y0eWRMRkV2MzlmZE1fYUVhbllLelVvYndnQzIyQkRrTHdnN2dyWnM1cDZtWjlxZEFtYWxRQjFTVjZZSHlmUFc2QXRjX2xiOHVMdUZR?oc=5) · Cleveland.com
- 2025-02-02 [Audrey Pelt Wheat Obituary | Cage Memorial Chapel Funeral & Cremation Services, Inc. | Chicago, IL - Tribute Archive](https://news.google.com/rss/articles/CBMid0FVX3lxTE9DMkR0MWtCTzZWNkZFTHpIX3BvNzlsQnd5Y2xHNTFZWEtVdFMxOWlHQ2hJX3laS0Nkc2hyOGlzSWlUQjY4SWFaLWZQamNrWVZ5eFEzbmxac05mLXlKLWlmMDBLV0VqOTBXNGJPYzFCaUY4TDQ2RUlj?oc=5) · Tribute Archive
- 2023-03-14 [Azaline Wheeler Obituary (1922 - 2023) - Joliet, IL - Herald-News - Legacy obituary](https://news.google.com/rss/articles/CBMimAFBVV95cUxPcTZoQlJVaG5uelBhTTk1NUF6a0JmNlB2WV9PMFhHQTFxZm9JbHB6WUp1ZkFVNU5OM19QaTN0OGlfeGZEUXNFUUNDUVBlR294YzNmOW1Ia0xPSXdKT0RJRnBwS1FSVFRQYUdudkRZeHRvbGROcUtwMWdGMkRjTkJCS0JOend5Z25IdDhNTEtMcGtWd25pLWpOVw?oc=5) · Legacy obituary
- 2020-10-15 [Ulysses Smith Obituary (2020) - Baton Rouge, LA - The Advocate - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxONDk4VFQxWjlvdVRBdmNqRTZwdU5mWmoyMEZhT0dOQ24wVi1tWU1HLXQwUFpTNlJpc3NlaTRfcU1QdjNra1JiSlo2NWVJUDB0SmZIRlA2aDFhVXo0aHVGNHdPcHJlOW1oTnRweDZiSXRCMDFSWTEwa1dkTHhiWmZteFVrTTJ3MWpweWl0V3l2Vnk?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15812 (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/4.json (key "15812", 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=15812
- 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