# EDUCATION PERSONNEL
Danville, IL · NCUA charter 1969 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/education-personnel-1969

Who the members are: federal charter, multiple common bond, organized 1937, low-income designated. 4,247 members of 12,000 potential (35.4% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 70.

**Verdict on the desk:** this could be *participation buyer*. 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 | $74.8M |
| Members | 4,247 (1.0% YoY) |
| Full-time staff | 13 |
| Net worth | $8.9M |
| Net worth ratio | 12.0% (p41 of band) |
| ROA (annualized) | 0.56% (p42 of band) |
| Total delinquency | 0.65% (p52 of band) |
| Net charge-offs (annualized) | 0.09% (p30 of band) |
| Loans / shares | 45% (p22 of band) |
| Cash / assets | 7.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.16% (p23 of band) |
| Operating expense / assets | 3.21% (p38 of band) |
| Vehicles % of loans | 42% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 5% |
| Third-party paper % of net worth | 32% (p72 of band) |
| Vehicle delinquency | 1.13% (p74 of band) |
| Vehicle NCO | 0.28% (p54 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 0% |
| Average share balance | $7,260 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $7.7M |
| Loans outstanding per 100 members | 70% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $10,000 |
| Loans granted, annualized | $6.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $7.7M outstanding purchased (85.8% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 1.3% 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 | losing money |  |
| 2016-06 | 0 |  | losing money |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 2 | auto monoline |  |
| 2019-09 | 2 | delinquency rising | net worth falling |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 3 | net worth falling, delinquency rising |  |
| 2020-06 | 2 |  | delinquency rising |
| 2020-09 | 2 | losing money | net worth falling |
| 2020-12 | 2 | margin squeeze | losing money |
| 2021-03 | 4 | net worth falling, losing money |  |
| 2021-06 | 5 | loan book shrinking |  |
| 2021-09 | 2 |  | auto monoline, losing money, loan book shrinking |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 2 | 3rd-party paper>100% NW |  |
| 2022-06 | 2 | delinquency rising | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 | loan book shrinking | 3rd-party paper>100% NW |
| 2024-12 | 1 |  | assets shrinking |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 | delinquency 2x band | loan book shrinking |
| 2025-12 | 0 |  | delinquency 2x band |
| 2026-03 | 1 | net worth falling |  |

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

- 2024-11-22 [James R. Hebermehl Obituary Jan 4, 2019 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMiakFVX3lxTE9Gbl9HNDFhRmtWLWRTSmh3T09zV01lV2NhNDEwXy1ZZFBxMlljelYyLVBrVWQwMzJmcDk5UURDS1g4YzA2XzVuWTI1LXdQMUh3b19IeE5IenNMVE13dnVNbWFKNm5DNFNWUEE?oc=5) · Sunset Funeral Home and Cremation Center
- 2022-01-21 [Stephen Chester Simpkins Obituary Jan 21, 2022 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMic0FVX3lxTE04VXMycDBYdGxCaDdnOHh1NWVKTlJUcnd3dXlOdDRBZV9aYzh0a1hLZmlXcW8yanR3TlBpYk1TSEIzNGpzdFJXdDVMY0dTV1R4MjdWbnZFbXlpRGhwa2pfRjBrVWlWd3p4NWt0UC01X1NTUG8?oc=5) · Sunset Funeral Home and Cremation Center
- 2026-08-03 [Danville’s FIRST FRIDAYS “Science in the City” Set for Fri Aug 7th, 5 – 8 PM - Vermilion County First](https://news.google.com/rss/articles/CBMitgFBVV95cUxNd3RYellBbjhHMTJYX1hYUWwtZXU0cm81SWp0VHp4OTlqMVFUOVM3MUx4TktYOUlTdTZQMGlMTHNTNnA4dHctcHhtRGJFM2xiZnNzaGlpZWFuSXdyY2dqVnJqQWwzSHpvSDZDWEQ3bkRFOFJhRlVJLUxtUzVsRk5ZakRlSXpxT0lmZXg2WW9TTmwyZG1vcXJTclpDVXQxMjdHYmItcU5GQjl0UGNTM1h6dVpwLUFJQQ?oc=5) · Vermilion County First
- 2025-09-27 [Gary Gritton Obituary (2025) - Danville, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOeU96STh3YTZDQWJ3WC11NXZYX3doakQyN1RfZnNiQXpQUHUweFBNTG5PSDY4RlJORnRtb1V1M0lJTjNRNmZSXzd1MmdvY1NDQXo4c3lJSENEeWVDZ3dsVnhaSlpJSWtsQTNzWWkxUzk2eDNITkFoeVlPeXdtN2R3N1FCTGNIOV8ybVlyXzhvZURsUQ?oc=5) · legacy.com
- 2024-11-24 [Jerry Allen Messmore Obituary Oct 4, 2014 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMibkFVX3lxTE5OX1VGYTh1SjloZzN3dHlMUGEwZWwzSnk4alhod0lzMm14UjNsbUw2dlBhTDRsdDJWb3JseTFLU095QU5jWTVxdHlva25HeXlQMjlDeXI3TXJJMlg3RVY5TDU5YmU5SV81RlRVSnhn?oc=5) · Sunset Funeral Home and Cremation Center
- 2024-11-26 [Annabelle F. Neel Obituary Dec 4, 2010 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBNZHE5RE4wSTlTVUZOaVROMTRLY0JsSHBNM2Zwell4Zm1Tc19QUktTdlFsdlpfVDBqd25zdWhfLWJyS1o1aEprQ2pUa2N3ZUcyZWtOY0E2clNEdm1Pbm14c0Zib2Zrbkp5?oc=5) · Sunset Funeral Home and Cremation Center
- 2025-05-26 [Angela Miller Obituary May 26, 2025 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1pX2lvUkdqYTJUZ1pXZlNSckRSVUNrSkh4eUszQUQxWUIwX1BqZ2ctZWc2ZGlUVVo4bE9KdUtpbUJ6cTVMM1FWUU4yWEI3U1lrUWJTZWxqSmFvVGRjVWkwbm9XZW4?oc=5) · Sunset Funeral Home and Cremation Center
- 2024-05-15 [William 'Bill' Cooper Obituary May 15, 2024 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMibEFVX3lxTFBRWmVNTElUZTc3MlZNdGZBV1FTY0xvVDhKUzNINWZYNFBULXUyc0NkUVBPajI5M194MzFZWV9DS25VZ2tHeFlDWEd5Z0I2QmNyczluMk9MV2ZMNDNmQlRGaThfQnVQcENIQTlyVw?oc=5) · Sunset Funeral Home and Cremation Center

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1969 (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/49.json (key "1969", 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=1969
- 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