# NORTHERN INDIANA
Merrillville, IN · NCUA charter 168 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/northern-indiana-168

Who the members are: federal charter, multiple common bond, organized 1935, low-income designated. 5,627 members of 10,000 potential (56.3% of the field); checking penetration 21% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $41.6M |
| Members | 5,627 (-0.5% YoY) |
| Full-time staff | 7 |
| Net worth | $3.8M |
| Net worth ratio | 9.1% (p11 of band) |
| ROA (annualized) | 0.72% (p57 of band) |
| Total delinquency | 0.25% (p34 of band) |
| Net charge-offs (annualized) | 0.30% (p68 of band) |
| Loans / shares | 77% (p78 of band) |
| Cash / assets | 24.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.21% (p64 of band) |
| Operating expense / assets | 4.35% (p67 of band) |
| Vehicles % of loans | 65% (p55 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 54% |
| Third-party paper % of net worth | 286% (p99 of band) |
| Vehicle delinquency | 0.34% (p45 of band) |
| Vehicle NCO | 0.40% (p79 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 2% |
| Average share balance | $5,810 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $18,306 |
| Loans granted, annualized | $8.9M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | delinquency 2x band |  |
| 2017-03 | 4 | capital below 7%, members leaving | delinquency 2x band |
| 2017-06 | 2 |  | capital below 7% |
| 2017-09 | 3 | loan book shrinking |  |
| 2017-12 | 2 |  | loan book shrinking |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | assets shrinking |  |
| 2019-09 | 1 |  | members leaving, assets shrinking |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 4 | net worth falling, margin squeeze, 3rd-party paper>100% NW | losing money |
| 2020-09 | 4 | delinquency rising | margin squeeze |
| 2020-12 | 3 |  | net worth falling |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | delinquency rising |
| 2021-12 | 2 |  |  |
| 2022-03 | 5 | capital below 7%, net worth falling |  |
| 2022-06 | 2 |  | capital below 7%, net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 4 | delinquency rising |  |
| 2023-09 | 3 |  | delinquency rising |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | assets shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 4 | net worth falling, delinquency rising |  |
| 2024-12 | 3 |  | net worth falling |
| 2025-03 | 3 | auto monoline | delinquency rising |
| 2025-06 | 5 | delinquency rising, members leaving |  |
| 2025-09 | 4 | assets shrinking | thin capital, members leaving |
| 2025-12 | 3 |  | assets shrinking |
| 2026-03 | 2 |  | delinquency rising |

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

- 2026-09-08 [10 Fun Things To Do in Northern Indiana this weekend, September 10 – September 13 - GreatNews.Life](https://news.google.com/rss/articles/CBMirwFBVV95cUxPYVliWkFSbzdRSGo5VEdhcE1mWkxMNGtFRl9aSFhsUXY4QzBtcV9iTjFJMEc3S01hRjdOSnQ2Sms5NWF5dE5qa1VMNFo1MXdjbTJ0UTkxdEU0d3gyVEtSWHNwY3haR2NESU9LQ3M0cUMxWmthcTg2RXoxNUt2T0k5T2JkekJGRDIxeTRvZDZNai1uald2UWlIZmVDYWdLZlFwY2tjeVFJb09TNDR0dHI0?oc=5) · GreatNews.Life
- 2026-06-23 [1st Source, STAR Bank Among Forbes Ranking Of Indiana Financial Institutions - InkFreeNews.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxQbndVdmN4SFhyTmVidGh4MTUzNHZJLVdsNlFvUDVkel9FSXNhdEJQQ09vWEdXY0dnZV8yeHlqTE1YckpHU0tQRDlzendFdWx5TXA2T1psYjFhOFRKWVd1UG1ONFdXUTJZV3lGZmJubjV5MFNoMXhtUGoxc2dDbFVBZ0dNWGtsajljcFBvY29HaGRQamZmZ21EVUZralF3RE5yRmgyS0lKWFI5c0gzZTI3b25GS3Rvdw?oc=5) · InkFreeNews.com
- 2026-04-30 [Interra Credit Union to acquire The Hicksville Bank in Ohio - Inside INdiana Business](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOeEdVREtwcEFnRTNJdWUwQjFJYnhjSEd2WEdWTzYwbURfeXNiODlCUUlOZTFJM3NKbnVnNDB1M1hpOVB4NF82LW42MmNyMzdpU19nVFN0X29GMjdsT3pfTkl3MklZLW1pTlhkUHJtbEhfa0piRkRYbVlkdVBXdFVfNVdETWdlbXpmUnNaUGNMVW1TczFrZ1pCc0lEbzg5SFZHbHRFUzVGQmd3dw?oc=5) · Inside INdiana Business
- 2026-04-01 [Professional advancement - Northwest Indiana Business Magazine](https://news.google.com/rss/articles/CBMihAFBVV95cUxPLUZlSXQyejdaTE1FWXJObUpIcVEzaU5HbjdKTE54X2dVY3M3WGxQWG8xMUJ2SERRMDlqeElBenA1LUN3X0VQWm5MMnBuTXcxdDdZSktKRDc5MmxHYUNrNWhDMU10TktxWk01ajJRSUJpR1Bkb1JPR2hYMTdoc2ItSGVyei0?oc=5) · Northwest Indiana Business Magazine
- 2025-09-11 [BBB Serving Northern Indiana, 3Rivers Federal Credit Union to host ‘Fall Shred Day’ - WPTA | 21Alive | Fort Wayne, IN](https://news.google.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?oc=5) · WPTA | 21Alive | Fort Wayne, IN
- 2026-02-02 [Tech Credit Union Strengthens Labor Leadership with Board Appointments of Steven Minchuk and Randy Palmateer - GreatNews.Life](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQa2pJUEEtNENGU3pmcnB5SGljaTY4dExMbUkzNUZCWUp3aGNWNUktZ3o4TVlzTEtNRE5KZDJNSTRLSHpzLWdvYkNqa2ZoQjlJbm5xN1dmb0N2cHNzTUdMazFsb1BYc2dROHc5Z0pHUm5tdHJla0E0R29xZ1V4M3kxMG1OOG1wOHhwdldkV2xmV2hJMVp5OEo4bllTVTFXRFhVN0JQeFFVaWUzaUl1a3R1Z01vRjNJVUR4WmdZZmVvZkFTaDh1ajF4VDN4TUlJbVBMVzJ5OHFBVQ?oc=5) · GreatNews.Life
- 2025-08-08 [Interra Credit Union CEO Amy Sink Named One Of Indiana’s Most Influential Leaders - timesuniononline.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNdHRvUnRGbi1uaTl6UmFVNWZXM05xQ3FsamRhM1JoUFJvZVRXaWNuVTdoOFo3aDZ2bG5wN0lCbkFuSzhJNDd4RU90MVBCT2JHdVlnTXFteXBqX25IZHgzMGRJb1ZQVEZmbTRXSnp2SjhpSjRqVGlJbkNqRzdZRVFCQU83QTdiNU9LeHl5dEtYYkdnVTNCYllKX3NMaXlfbnQ0R1BYMEFrUnJOMndIRkpYaVVWdzBpckhmTkZoOGNPOHN4dw?oc=5) · timesuniononline.com
- 2023-06-06 [June 6 - Teachers Credit Union announces name change to Everwise Credit Union - Fort Wayne Business Weekly](https://news.google.com/rss/articles/CBMikAFBVV95cUxNaDJrbXZGamFGN1RRaHZDcFJtN0NyMEVxUTE5SlUyWi1JSy0ycmE2Unlsa2phSnhXQl9kb1NQOHNtaWhxYjJ0SldKdm5pc1gwLVZXQzNUNGRyZzFTcU1SQXRmems5T3BQN0VXLXRpZVhzVDRCeldGb1diR2MyNV9zVnN1RXA4NVZ2cS15TmtveGs?oc=5) · Fort Wayne Business Weekly

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=168 (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/40.json (key "168", 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=168
- 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