# ALLEGIUS
Burns Harbor, IN · NCUA charter 17389 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/allegius-17389

Who the members are: federal charter, multiple common bond, organized 1966. 11,180 members of 25,944 potential (43.1% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $179.5M |
| Members | 11,180 (-9.5% YoY) |
| Full-time staff | 39 |
| Net worth | $24.9M |
| Net worth ratio | 13.9% (p76 of band) |
| ROA (annualized) | 0.13% (p15 of band) |
| Total delinquency | 1.85% (p92 of band) |
| Net charge-offs (annualized) | 2.13% (p98 of band) |
| Loans / shares | 55% (p24 of band) |
| Cash / assets | 13.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.06% (p74 of band) |
| Operating expense / assets | 3.46% (p44 of band) |
| Vehicles % of loans | 17% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 11% |
| Third-party paper % of net worth | 211% (p87 of band) |
| Vehicle delinquency | 6.13% (p100 of band) |
| Vehicle NCO | 4.15% (p97 of band) |
| Repossessed % of vehicle book | 1.95% (p99 of band) |
| Real estate % of loans | 13% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 2% |
| Average share balance | $7,031 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $9.4M |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $14,925 |
| Loans granted, annualized | $8.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $9.4M outstanding purchased (37.6% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares -3.7% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | auto monoline |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 3 | losing money, delinquency 2x band |  |
| 2017-06 | 0 |  | net worth falling, losing money, delinquency 2x band |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | losing money, assets shrinking |  |
| 2018-03 | 2 | members leaving | losing money |
| 2018-06 | 2 | 3rd-party paper>100% NW | assets shrinking |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | net worth falling | members leaving |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 2 | loan book shrinking |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | net worth falling, delinquency 2x band |  |
| 2020-06 | 6 | delinquency rising, members leaving |  |
| 2020-09 | 2 |  | loan book shrinking, net worth falling, delinquency 2x band, delinquency rising |
| 2020-12 | 2 | delinquency 2x band | 3rd-party paper>100% NW |
| 2021-03 | 3 | net worth falling, 3rd-party paper>100% NW | delinquency 2x band |
| 2021-06 | 2 | delinquency 2x band | members leaving, net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | charge-offs p90 |  |
| 2022-06 | 3 | delinquency rising | charge-offs p90 |
| 2022-09 | 3 |  |  |
| 2022-12 | 5 | charge-offs p90, repo signal |  |
| 2023-03 | 4 |  | delinquency rising |
| 2023-06 | 6 | assets shrinking, members leaving |  |
| 2023-09 | 6 |  |  |
| 2023-12 | 6 |  |  |
| 2024-03 | 6 |  |  |
| 2024-06 | 3 |  | delinquency 2x band, charge-offs p90, members leaving |
| 2024-09 | 3 | members leaving | assets shrinking |
| 2024-12 | 5 | delinquency 2x band, assets shrinking |  |
| 2025-03 | 7 | losing money, delinquency rising, charge-offs p90 | assets shrinking |
| 2025-06 | 6 | loan book shrinking | members leaving, charge-offs p90 |
| 2025-09 | 5 | members leaving | losing money, loan book shrinking |
| 2025-12 | 4 |  | delinquency rising |
| 2026-03 | 5 | charge-offs p90 |  |

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

- 2025-11-07 [Allegius launches new brand - nwindianabusiness.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPRkdlZmJHeTU1bWJoRnowZXVqWUVKREhWM2pRbU9PazJrWmRJS2I0eHdoV1NGeFhlTW9LYlRkUXY1TmwtaGlBRnFqX1JmVlNMSHE1dDNoaU9MVnFZS2s5anpTbXBMbV9vcC13THZjSlloeGJwNU5fcTRoOFlnTW9EUEpGRWxfZlp3aFdn?oc=5) · nwindianabusiness.com
- 2024-07-08 [Allegius Credit Union names new president and CEO - nwitimes.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNUzhrSGc4UjBLRW8yUzg4OTlFV3otcnFrbmNFd0FIUFgzaG1yQ2RCSHY4NmdpLTIyZ2VIdFFXd1N1SVlWbWg2bHVqRmNTLVR6S1IwY3pmNXljaV9KMU5XS2ZCNkdSMS0tYTR0RzF2dmVYdEw0b1RNcVlMVFRaaUxjWXM3bHNfVFMw?oc=5) · nwitimes.com
- 2025-01-16 [Allegius Credit Union names new VP - nwindianabusiness.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNVUhLazVtMW9UbFhfMlBkcVJvdFlGMk5LU0hHeFp5bVowSTFkVFhkTERON3dhM3o2bkFHVC1vTXZPTUFGNlJZN010YmhqUDlNak5Fcmlzem9xWHNnbzZvYTVQN0ZuV2JiZ0RZdjJYbXFCSjBmSDhXYjhMU3BlNTF5Z29LMFZkQUhIdFpUc052YW9hc1pQ?oc=5) · nwindianabusiness.com
- 2025-08-18 [Allegius Credit Union names new leader - nwindianabusiness.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxNOWs5UFVTNTZyMXhOaWR2aExJNWxQU1hkWXhtNTRRRHdDcmN4SmZoYW5LOFBUbklhMVRqSnJrN2tlck5VWGxPQTBiYnltRWJLR3l2WkFVUjVuUmU1X0d2V0ozWWx5LTdQMTFZVFd5LUhpZ0JnQzYtMU9aMWthN0ZHZFZCWjlfeWdKdDVQS0tHaGdiTkNCOE5UWE9Id21MMjFD?oc=5) · nwindianabusiness.com
- 2026-05-01 [Two Dems, two Rs in primary race for Porter County Council District 3 - Chicago Tribune](https://news.google.com/rss/articles/CBMisAFBVV95cUxNUkoxZktQejdieFJwa3lPOVhKRnhXLXc1a3JuOXMzU1B2VjdfMjczMVRob2puZUhqdmFBYnVDTXUyVzk1czVXbmdHUDZ3YXI1MHBkb3JWaFpQQnJaS0t5bG1jeDlrYllkc1hxeEx5aDloRGtiS21vdWJ1Mm5hU21pUzdfVGJERWUwUFNSS0FnTS1IZC1nVmEwaTBnOTFHZnhMNlhpb2g4TEVLUm1uOTdSaQ?oc=5) · Chicago Tribune
- 2014-03-11 [Robert Matthews Obituary - Crown Point, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPam1OR2pnRnBaRzljbkk5cjJiRzRqeXRqZTJRMlBUS2ZGb015WVdYUUJoWEV3VHJHZXBmdVJwUDBIUjRfQ21sX1N2REFidXdmU2JYdVkxQjVyakQwTF9Qbll2MU5yaUk2RjdfektCZHdzOEZ6ZTNrMUJQN25DemdQZWdWRi0wdUQ3?oc=5) · Dignity Memorial
- 2023-12-07 [Joseph J. Vass Obituary - GreatNews.Life](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1GZ0pLQ2Fxb1ByNkY4dkdQQ0Z2RHM5UnJUY2lZcXBlenJkRFJlT1FRdEtyWko1b2dJdW1MdHBocks2eWNnRWlvNVpKZER1aFNxcmx1alprYXk3VjNJOHpkQldGQUs?oc=5) · GreatNews.Life
- 2026-05-05 [Porter County Council District 3 race: Incumbent Greg Simms lags behind political newcomer Jack Tipold - Chicago Tribune](https://news.google.com/rss/articles/CBMiswFBVV95cUxPeTJVelctc09HbXViVjVoSVhsaFo2SGIwbnJTU0JYRGdrbEZhVUNNeTZqODY4cGx2OEUtRUxIWk9JTFBiUWx1Y2N3TGtuQlF3QTRfZXg1TFhxTFFNd1Y3emNKMEw3a1B4NVRQbXJLN0dDQnFGdGF1QWNjYUtHTElpSTdsVlNFYjAxbFNmY3dLZHY2VFFDNUk4aXl0bjNUSEhHVmxzOE9DSGJEelBiUkp4SkxNWQ?oc=5) · Chicago Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17389 (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/45.json (key "17389", 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=17389
- 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