# MANISTIQUE
MANISTIQUE, MI · NCUA charter 18067 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/manistique-18067

Who the members are: federal charter, community charter, organized 1967, low-income designated. 3,057 members of 37,069 potential (8.3% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $43.4M |
| Members | 3,057 (-1.9% YoY) |
| Full-time staff | 9 |
| Net worth | $6.8M |
| Net worth ratio | 15.6% (p55 of band) |
| ROA (annualized) | 1.20% (p77 of band) |
| Total delinquency | 2.26% (p80 of band) |
| Net charge-offs (annualized) | 0.19% (p64 of band) |
| Loans / shares | 49% (p37 of band) |
| Cash / assets | 48.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.05% (p57 of band) |
| Operating expense / assets | 2.34% (p16 of band) |
| Vehicles % of loans | 45% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.58% (p84 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 9% |
| Average share balance | $6,639 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $11,448 |
| Loans granted, annualized | $4.0M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

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

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

- 2026-03-05 [James Jon Cook – Manistique, MI – September 23, 1939 ~ February 28, 2026 - Upper Michigan's Source](https://news.google.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?oc=5) · Upper Michigan's Source
- 2026-03-03 [James Jon "Jim" Cook Obituary (2026) - Manistique, MI - Fausett Family Funeral Homes - Manistique - Legacy obituary](https://news.google.com/rss/articles/CBMifkFVX3lxTE9aMlRXcDdMbGUyOUtETGtWd0Jaamk0N2RLMURXM3B4R1YyeTlKLTR5aVY2a1lkQUNQVDhPamREQVVqdlBuaWN0UkU1LWNoc1dYRUVlV09DQkhRajJLYm1pejFIdEY5Z3BoeUtRTk4yRDZBdDRHdVBpSGc3OURCUQ?oc=5) · Legacy obituary
- 2022-10-13 [Limestone FCU expands across Upper Peninsula - Pioneer Tribune](https://news.google.com/rss/articles/CBMijgFBVV95cUxQaktCcExweFlBYXExeGo2NjlfeE1sck1ESTRpXzhCYVFoZWt5N3JfU3A2OEx5eXJMSWpUeEtsRHNYYzN1eUg3dVJWcF9yaUNsN2dEX0JNSVdyeThCOV9iVHAyOHZyZnhiTEJXMkhkVTJheXpEWF9mMkRNOTNfeFlpbzJISzFYSy1UeXpMNEFn?oc=5) · Pioneer Tribune
- 2022-10-17 [Limestone FCU now serving the entire Upper Peninsula - Upper Michigan's Source](https://news.google.com/rss/articles/CBMingFBVV95cUxPa3hrNS1UOHZfclZwTDNYQTB6SmR6TWVWSUpJMUw0MF9MMl8wMkJXaS1hX05reHI5SXl2ck9ObUFfcVBJVV9KLUxPNHpXT2IxYVFZVm4xWmpxdG9hT29sN282aUNROHp4SHcwdEV5aGFqUmVyZ1F0MXRyUzViUkpxNUxQbHhmbHlrR2tsTUdZSnNURGp2RmNxdnJMSEdJd9IBsgFBVV95cUxNTm1KclUzTVlDQUtsZ0hWUDVCVVo0TXR5Ry1EQmlKMzhMLVdNakVyLXp2dDgxWExyemctcnJ5TFBsT1l6R096STlLRGpXbWtvX3hVcXNEWVRHTHctRW5la3ZheTZ6bEluNWFCNjNKRWxnOW5rcGdRUURPbnduQi1QLU1fdm84T0N5NHAwWDlhYlM3MTdjYUFFa1dtVE9tNE9ORGlrQ01tWEl1Q3ZqOFhjcVlB?oc=5) · Upper Michigan's Source
- 2025-12-29 [UPDATE: Closures, Cancellations As Blizzard Hits Upper Peninsula - Radioresultsnetwork.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5EVVg5dDZqRjdMNGYwandHZ0JzSUhKVHJBeERzbDlVbWpXd1prYThQUzRUMXVzaXBvWS12dHQ3bGJBRGhIZkVSNDlGMF9uR3FCcWd3cVNsTFoyUHgyZVJDRXhPLWE?oc=5) · Radioresultsnetwork.com
- 2022-01-05 [Manistique Emeralds compete, win in High School Bowl tournament - Pioneer Tribune](https://news.google.com/rss/articles/CBMipgFBVV95cUxPUDVLTnJqYUVKRW5XdVo0TGkxc0VHNzFnbUpONW9kQUM5OWlJMkxMLWk1eDFsVm1uWDEyV1JOV1Y0VVZ3V0E0X0RfNXZmSjFocUhtZm1GT3FFWmtTZG9GakZiaWVCS2J1NTktTG1mWG4tTDhnRlB3N0ZGT2k2em4wM3pJWjFnOVRTVUtFNVE4ZXpFT2hydzNvTHFaQXlRTjdhX0xPS1h3?oc=5) · Pioneer Tribune
- 2003-03-22 [Sherman F. Dewey Obituary Mar 22, 2003 - wichmannfuneralhomes.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE0zZHk0dGswbWpuQ09xQWRReDJtcEZERzBWdXZOMGRxeGEyTXlmYWtGQ3QxN1BsbXVFRDFFRktmMTdpbEJFOW5rVTFwclVxb0ZvVTh2Wll5N3dobVF5R0xyRDBwNDd0QTRjbTdhd05aUWs?oc=5) · wichmannfuneralhomes.com
- 2025-11-05 [Manistique honors Veterans and memorial progress - Pioneer Tribune](https://news.google.com/rss/articles/CBMikwFBVV95cUxNNGg5QU1jMkNNekMzTnRmZHFwdWFHeC1LOFlXSEdRVDd2NmpYclkzV29jYi1HeWczS3hVbHZjcjdGSHRBVWktVk56N29zNkIxTnhzVDFySmZkUXdoYk00OXY3THBUSzl2Qzg5UjlSZm8zc0ZuZGtiMXJaeE5rUzhMa2k0MkhFQ0tPSGVjZ3JJWUsya2s?oc=5) · Pioneer Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18067 (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/19.json (key "18067", 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=18067
- 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