# PURDUE
WEST LAFAYETTE, IN · NCUA charter 19307 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/purdue-19307

Who the members are: federal charter, multiple common bond, organized 1969, low-income designated. 111,816 members of 645,647 potential (17.3% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *ordinary*. 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 | $2.15B |
| Members | 111,816 (3.3% YoY) |
| Full-time staff | 271 |
| Net worth | $229.1M |
| Net worth ratio | 10.7% (p50 of band) |
| ROA (annualized) | 0.66% (p47 of band) |
| Total delinquency | 0.13% (p3 of band) |
| Net charge-offs (annualized) | 0.17% (p13 of band) |
| Loans / shares | 82% (p38 of band) |
| Cash / assets | 5.7% |
| Borrowings / assets | 2.33% |
| Net interest margin | 3.22% (p42 of band) |
| Operating expense / assets | 3.21% (p49 of band) |
| Vehicles % of loans | 5% (p5 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 11% |
| Third-party paper % of net worth | 3% (p10 of band) |
| Vehicle delinquency | 0.44% (p32 of band) |
| Vehicle NCO | 1.28% (p65 of band) |
| Repossessed % of vehicle book | 0.01% (p25 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 208% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 17% |
| Average share balance | $9,313 |
| Participations bought / yr | $0 |
| Participations sold / yr | $36.0M |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $38,278 |
| Loans granted, annualized | $453.2M |

## Participation posture (from the same filings)

Bought $0 and sold $36.0M in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $3.9M sold and retained. Sold in 1 and bought in 0 of the last 8 quarters. Shares 3.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## 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 | 0 |  | thin capital |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | net worth falling |  |
| 2018-03 | 0 |  | net worth falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | leaning on borrowings |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | leaning on borrowings |
| 2020-06 | 2 | margin squeeze, delinquency rising |  |
| 2020-09 | 0 |  | margin squeeze, delinquency rising |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | net worth falling |  |
| 2021-06 | 1 | leaning on borrowings | net worth falling |
| 2021-09 | 0 |  | leaning on borrowings |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | leaning on borrowings |  |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | net worth falling | delinquency rising |
| 2024-06 | 0 |  | leaning on borrowings, net worth falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

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

- 2026-06-29 [Purdue Federal Credit Union welcomes Rick Hite as Mortgage Sales Manager - CUInsight](https://news.google.com/rss/articles/CBMiswFBVV95cUxNOGxrdENBcGJCWmg2QmRmWm5HSlM5dFlQNTRvRlQ0dXAydmhwYmRnM3NpeV9lVlJyeHlGcTRZV1R6b3M3QWlLYjdkdDlrOHBLVmdoTWY1MnEyTzEyempIVG91bDNjN0JDNERWUHZWRGpWZDJqelhCRFlaS1psRDdhZDVRUjB1d0I4RkdsSzBKQXFHYmhyV0gtYmI0M25NOWJ6SkduZk1ZYnZFVkc3dnRzRXlkNA?oc=5) · CUInsight
- 2026-02-13 [Bank anywhere life takes you: How Purdue Federal Credit Union’s CO-OP shared branch network benefits members - GreatNews.Life](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNZXRXampzT0E4OXdoc193RDZaVlY1TnNzTTJRZ2VWakh4UE5halVJUER0N00tWUJJQUx0d0NxeERZMTVPWC0tWllkMWl4RFV5SmI2bEtVMERyUU8zYWtMcklhNWprcjZ0cWpldDlzLXJyalRTYm9jS1gzRERPRFFsQzVHQ2RnR3A5LVl1NXI2czliaDBMSVpFanFBUnBTRTBuc1J6eUtiendxVVVjeXB4Z2d3SXMwbmEyWVhDM2VsUDZwTkR6NWtXWW5yZTZTekNYRGlfRg?oc=5) · GreatNews.Life
- 2025-11-26 [Purdue Federal Credit Union Named Bank of the Year by Regional Development Company - Building Indiana Business](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQWWxNVDZCcEVJYzlELXBYYUpDUHJ1UUhTbnNCbl91ZlY5b0hJNjhhYjdMTGY3RE5SMDRwYmZLT2w4YzJLY2FqNlF4NGloRVB5RmZ5VE9Ma3JiSjZBMzBzOW84QWtmZ3lqTGdockNvR0hlWXhLeU1Rdzd0cHI4RVJlSWpqUWVpblduNW5lamlYYWhudmgwS25mQ1RhYi16b21NVDBxSkhNWWwyOG9fTlBKOHptb2d0UGNDOGFqLUJ2ZnlVUQ?oc=5) · Building Indiana Business
- 2026-04-27 [Karin DeVries and Kathy Ireland support Purdue Federal Credit Union business members with decades of financial expertise - GreatNews.Life](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNNUI0dGpxX0xhQXVfdkk1dVNwZnJZb1JyYjVhOW41amRNTkVJMlFHQXlQamJ0cFlZc1BjQ0N1cjVOYW9YakdCSnctYTVHRHlJMDByQWhzWmZlX0NmYXFwcURsdmhoYm9lcFlRQmVJaW5zdWZxbklVZUYyN3ZKY3BfbU9mR2RaZC1uQW5sYmhzN2dxa0FWQWRTRjgtNV9mZFVuSzhFbDdzOXdlcU1Dc3ctUmxzS1RPLWEtMW9PdEVVOFJsaXhpZUplMGlQbkI5OUxSb1dVanpLZHd3SDluZy1TbHNUNUFuSmc?oc=5) · GreatNews.Life
- 2026-03-30 [Purdue Federal Credit Union welcomes two commercial loan officers in Northwest Indiana - CUInsight](https://news.google.com/rss/articles/CBMixgFBVV95cUxOWHdwRC12YzJBbDFUTW5ySXFhWTQ3Y2Q2VEoyajM4Q3QxMHMybFhfLU12Yi1SOVBtV21QR2xBX2VqaFJSYjU0Q29Zck15VTBCZVRESE5zZWRzaHhVZWUwclIxSlZlNU9Cc1prZHdobWxqV3l5RG5Hb3YxOXYxRERYbVVCSmx2R0F1TjlrcjVveDdfakhGeVh1eEhJcXg1ZzRRSE5KRHRnSWhRb0Y4cWs5QURoODBaaVIydW9mTXE1NEw3b3l6REE?oc=5) · CUInsight
- 2025-10-22 [Purdue Federal Credit Union Honored for Financial Literacy and Community Impact - Building Indiana Business](https://news.google.com/rss/articles/CBMivgFBVV95cUxOX2JjNUV3NVZGUWpkYXlRY29mY2xsT1VFWEJWYm43UDZZYTJJSXFlSkd0QXp6aHdSbnp2RFc0N2c0NmVOSVFadjExQ0tUZ0p3NG96Q0xNR3p0d2JzNVdmZVROeHloeTdaWFpEU0doU1ptNktlQUl1MVp2RkhFb3NpVEhMLVRYZmMzand4UmRjdU9PMUxXVTVoN0NrRzBhMDlKcmNsX1FKek00U3ZwZ2JsQ1VJS3UzRWUwdWx5NmRB?oc=5) · Building Indiana Business
- 2022-12-30 [COA finds for Purdue Federal Credit Union in overdrafting dispute - The Indiana Lawyer](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQVW1YXzN1b2c1dTNfNTZXd0FsVDJqWFg2NUtxX0Z6cmxjcktIaEhMLVh0Q1FrcDV0RUU1cXY4QVY0bTEzRWotS2ZKSjhPa2NtVmlRdjNoSmpoZEFkdWVrOUtiYWp1cXhOZWs2dG9pUEo4aXBfUlRodDlUaWNVZlM4OTJXZ0Y4SlpqVV9Za1FrMVdLNmI0c1VSOHVvZlpGcEhCWHJoRjZYcGw1UjQ?oc=5) · The Indiana Lawyer
- 2025-02-19 [Purdue Federal Credit Union Launches Exclusive Purdue University Northwest Debit and Credit Cards - Purdue University Northwest](https://news.google.com/rss/articles/CBMiugFBVV95cUxNWFVLdEJaQU9aTlQ4YVhOckQwc1ZoSzVOcFhUR2tGalFkamlmN01QT0tfTkJ0OTRkOG1lbUlXV1JGN3JaX1FKdnNTQUxHNnRxM3ZNcHZ0NlpTajc4eXlxVTQyTzZwcmtIR1VtSkNuQ2ZDVmk0Q0pIbnlBVXZ6cnk2Q201UGlCYkZ3OW9vRDdyM3FaOHVoMEFRTVhBZWJ4S1lPdWowd011aU00VkEzd19GdDl2UW9hNnRMaVE?oc=5) · Purdue University Northwest

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19307 (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/43.json (key "19307", 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=19307
- 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