# CONSUMERS
Brooklyn, NY · NCUA charter 16951 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/consumers-16951

Who the members are: federal charter, multiple common bond, organized 1965, low-income designated. 3,245 members of 15,400 potential (21.1% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 26.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $104.2M |
| Members | 3,245 (-2.7% YoY) |
| Full-time staff | 12 |
| Net worth | $11.8M |
| Net worth ratio | 11.3% (p44 of band) |
| ROA (annualized) | 0.21% (p18 of band) |
| Total delinquency | 0.08% (p6 of band) |
| Net charge-offs (annualized) | 0.12% (p24 of band) |
| Loans / shares | 104% (p99 of band) |
| Cash / assets | 7.3% |
| Borrowings / assets | 1.92% |
| Net interest margin | 2.52% (p5 of band) |
| Operating expense / assets | 2.55% (p13 of band) |
| Vehicles % of loans | 4% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 1.04% (p73 of band) |
| Vehicle NCO | 4.09% (p97 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 69% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 175% |
| Core shares % of member funds | 32% |
| Certificates % of member funds | 25% |
| Average share balance | $11,183 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 26% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $112,429 |
| Loans granted, annualized | $23.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $155,247 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 5.4% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | delinquency 2x band |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | loans>95% of shares | delinquency rising |
| 2017-12 | 3 | members leaving |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | delinquency rising |  |
| 2018-12 | 3 |  | delinquency rising |
| 2019-03 | 4 | net worth falling |  |
| 2019-06 | 3 |  | members leaving |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 2 |  | net worth falling |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | loans>95% of shares |
| 2021-03 | 3 | net worth falling, members leaving |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | delinquency 2x band |
| 2022-06 | 1 | loans>95% of shares | members leaving |
| 2022-09 | 0 |  | loans>95% of shares |
| 2022-12 | 1 | loans>95% of shares |  |
| 2023-03 | 3 | margin squeeze, delinquency rising |  |
| 2023-06 | 3 | net worth falling | delinquency rising |
| 2023-09 | 3 | members leaving | net worth falling |
| 2023-12 | 2 |  | members leaving |
| 2024-03 | 1 |  | margin squeeze |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 | members leaving | delinquency rising |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | net worth falling |  |
| 2025-09 | 2 |  | net worth falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | members leaving |

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

- 2026-08-19 [Consumers Credit Union Review: Checking, Savings and CDs - NerdWallet](https://news.google.com/rss/articles/CBMic0FVX3lxTFBHWmdTQTh1c3lwaWNqSV81ZmJ6VzhnMXhPQzZpT2pvdjVwNFo1N2lRSnhpQ1h3UUpMSENfb2cyR0R2Y0owdDlyNHROQk9XMjFiQW9sb0l2NVNzenR4YkRsS0ZRMWQwTmQzOEgxRVBuUDhZczQ?oc=5) · NerdWallet
- 2026-06-02 [Consumers Credit Union review (2026): A credit union anyone can join with just $5 - Yahoo Finance](https://news.google.com/rss/articles/CBMipAFBVV95cUxNU0NacEFmNGdNbWRGV2E2WFlIeUg3Mld5OTE5ekM2Ty15V2FnODdFQVFONTJ6V3VobjRBTWhiQkdSeDdPeWh2dnAxZmRFanZPcnF0ZThpTjNVcHBkeXc3aDVVRGg0SmJNZENYY3lqUFpmQll4X1J1YTlwTWl6dFpiUVF1NjNENmJ6cHRFY2Y0ZFVqNER4OU9xX09oR1BMWlVaQ2JtQQ?oc=5) · Yahoo Finance
- 2026-03-18 [Consumers Credit Union Review - Forbes](https://news.google.com/rss/articles/CBMieEFVX3lxTE5GNmVyY2pobXZEWGh2eHVTNDJqYUI1alpKZDJrdXA5N2tUemZWQklKOXQxNWVmQ2N3eHpTcVJLTTRxR1lMVjhlSXpoR3NveGwtclVZaTJpdDlXdmdnWm85bHN0b2p1QVdyQ2FpTVB4VEZBWHNvY1A0dg?oc=5) · Forbes
- 2026-04-17 [Best Credit Unions for 2026 - wsj.com](https://news.google.com/rss/articles/CBMie0FVX3lxTFBVY0g5LTgtYUY5VGpNYnJoaDBYUmkyWE5QQXFWd1EtaldmOTNQc0tMQktLRm1meHdkbGliQWpnOS1lQVJUckRNU1lUV21jMVlZWGNhcEowdjBQa0FZVDlOQ2ZaTHhkZmlSclh3LWlIWjcwWUwzM0M4WTJfbw?oc=5) · wsj.com
- 2026-07-01 [Best Credit Unions Nationwide Of 2026 - The College Investor](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBVX09RNXdqdUlBSVNzeGdyUmZncHd6NHZjbFZDZXFfaWhNZHhiNi1PTTJOVkd6WGk1Vnk5dDR1cFVyVV9qYVFORk9NWVRVbkM1OWtsMmM1ekJiTnlSdkxBTUxvelE5a28?oc=5) · The College Investor
- 2026-02-05 [America’s Best Financial Services of 2026 - Time Magazine](https://news.google.com/rss/articles/CBMicEFVX3lxTFBoTkN6VU5WZHhwQjZqdk9LVVdGTUdJVHUyX2NBR09wOGVaOWtkaGNJeWpBeG1QZGh4Zk9GSE1nVkgtUzRZYUxSeGlNUUJFU0xCdG0wc0xLbHM0MXRPSEc3X2hJVTZuUWxHUTJaMWZnNVE?oc=5) · Time Magazine
- 2026-08-28 [Banks That Joined FedNow (And How Instant Payments Work) - NerdWallet](https://news.google.com/rss/articles/CBMib0FVX3lxTE14LWpVdzB4NE5iVUF1UlJnV1dRdm5xWjR1eDBvWGVTa1ZrOUlzZ005eExBTE5vM2JrSEFTdmNuSDNTMWhWWWVPMmV0R0J5SXU2X0R4dDQ3bER6U19oU0xDYV9iT0hXandveVBJREVoQQ?oc=5) · NerdWallet
- 2026-03-09 [The best auto refinance loans and rates of 2026 - creditkarma.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFAyempwUXNyNmpCOHJCaTN6clJrLUxQems5Tm5HZVVpdGRCeXVNNU50Y0xCTDY2NmxTM01XNTluVWJXaWQ3amFEUUZVRFA3T0xHeWxxMkgwYzRzcUFWaDJ4WFV4dUszYmVoNTR3QQ?oc=5) · creditkarma.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16951 (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/55.json (key "16951", 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=16951
- 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