# NORTHWEST MUNICIPAL
Des Plaines, IL · NCUA charter 17752 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/northwest-municipal-17752

Who the members are: federal charter, multiple common bond, organized 1966. 1,769 members of 5,307 potential (33.3% of the field); checking penetration 26% (share draft accounts per 100 members); loans per 100 members 57.

**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 | $40.2M |
| Members | 1,769 (0.4% YoY) |
| Full-time staff | 4 |
| Net worth | $5.6M |
| Net worth ratio | 13.8% (p43 of band) |
| ROA (annualized) | 0.82% (p62 of band) |
| Total delinquency | 0.04% (p20 of band) |
| Net charge-offs (annualized) | 0.10% (p58 of band) |
| Loans / shares | 51% (p40 of band) |
| Cash / assets | 55.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.55% (p9 of band) |
| Operating expense / assets | 1.81% (p8 of band) |
| Vehicles % of loans | 65% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $12,865 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $17,357 |
| Loans granted, annualized | $5.7M |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **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 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 | delinquency rising | thin capital |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | auto monoline |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 | delinquency rising | net worth falling |
| 2020-12 | 1 |  | delinquency rising |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | net worth falling, delinquency rising |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 2 | margin squeeze | delinquency rising |

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

- 2024-06-15 [Kathleen Harper Obituary - IL - Chicago Tribune](https://news.google.com/rss/articles/CBMibkFVX3lxTE8zV0Fqcm1CTmJTTHlXaWIxQ3FHYXFoeWstVVN4a0JwU0NtMDh5bnlLYzR2SnpUMGxmQmNwVUN2bFVxaVRTaldSa3JNVmJ5Y0EzZWZkamEtUjBtRS1UZHpWVmNIdzB4X2tKN1ZNZVZ3?oc=5) · Chicago Tribune
- 2025-03-23 [Lawsuit is long over, but Des Plaines clerk still upset about city’s relationship with credit union - Daily Herald](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPZkNtczJOZjFtWnJYT2k3NjdLUnZFQXZIV291ZmltYmlOTmV4VHA0MGIzODZGY3NuZm9id01YTVk1OWpiTDhrTTJURE1FNWN0QkxwLVBuc1ZnRncwRnZZam5ONzgtQ0l5MFczTjNvc3pYcjVOR010bmdaTjZyTmFXajZxdVQ2cFI5QV93ZzBxeDRyZlJyOWh4cDlnYVBzUWRnS3NvcDU5cHRGQXhseDlUN05haHVzMldadkVEclRMaW1kYWxsQk13ejJIeENuNjVZT1pKaURHYmFDX3lDRGpPdnZXSnM?oc=5) · Daily Herald
- 2025-03-19 [‘192 Days Tardy, Physical Altercation’? Despite Depositions, Not True, Says City Clerk - Journal & Topics](https://news.google.com/rss/articles/CBMivgFBVV95cUxOZjVlc1JmM1NNYlg2TExpOUZXMUlFbzdfNzBsYmVUUjc2SU1lVHd2cUJvbjg0MjhOVmlvUEl6UE1UWFhGc2ZHSmRTdnN0b0RyLWNseUZSRjNtYTVxOHZQcnVsNEZNNmtlSWtNUG1vZlUydVE5QWhMMEM4Sm5wckw5Zy1CQ2l2aGlTZy1RaGFuQ3pOYXhJWVYzSWpxdGlLV3VyOENtUEczVFdZM2FkV3BqYU5VSGVkdC1QcWFOZXln?oc=5) · Journal &amp; Topics
- 2017-08-23 [TODD BECKER Obituary (1979 - 2017) - CARY, IL - Daily Herald - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNVERGN250RUJvWGZvc3hFMmYyVTdHRHNYMlVKWVpiMmpubjZHWkNsSGotcU9LQmR5WENuaGV1Ujc0SnlXSUNBSE0tdlk3MzlVWGdNR3A5Zi0zRWJSSk5QWWp2czd1MEZ6OWdsaVY3Q3REN240bmprVC1iOXlpS3ZfQTQ2V1N0ZzEtZndXMGlwdw?oc=5) · legacy.com
- 2021-03-10 [Jessica Mastalski: 2021 candidate for Des Plaines City Clerk - Daily Herald](https://news.google.com/rss/articles/CBMipAFBVV95cUxORzlQNW5weDRhQk9TaVRLOHZoMFJGLXpPWFJobERIWVJCWEsyUzhYRVM5ZWp6VnkxMVA3SWlORHBacWQ3VU00dzExVGhyQnhaNTVRNkphejJreTh1c2YyaklFczZkTTZpd1FHWG9qbndqUVZUcVA4YzdFRUVHWWVYdFhvTjNqd0V3cUFTTExWQVUzeVFfUURvTmtjYkVqSGFRSmE4LQ?oc=5) · Daily Herald
- 2025-03-15 [Jessica M. Mastalski: 2025 candidate for Des Plaines City Council Ward 1 - Daily Herald](https://news.google.com/rss/articles/CBMiwAFBVV95cUxObkNDX2RDMWw0WUQxYnpXRHdrNmdZSE80a3VHRkV6bVUxaElSZGFjTTljYW1uc29Qa0YtQzhIN1drcFc1X19YRnJkZ05XOElmOGFESW04WXNBUFZ2OWp0bVY0NFlRcXZEVklIaUVpaFVoN1BEaVQtcjVuZThBczJicjRCMjJVMnNjTUI3b0hkbjVCNm8xRks2MmRKZmZZenpBejdMc1ZGNjlYNU1Ma1lhOGNSckZSUHZENHdCSjljSEc?oc=5) · Daily Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17752 (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/24.json (key "17752", 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=17752
- 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