# PRAIRIELAND
NORMAL, IL · NCUA charter 2037 · asset band $50-100M · latest filing 2022-06 · stopped filing after 2022-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/prairieland-2037

Who the members are: federal charter, community charter, organized 1937, low-income designated. 6,736 members of 173,000 potential (3.9% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $90.0M |
| Members | 6,736 (-4.7% YoY) |
| Full-time staff | 12 |
| Net worth | $11.8M |
| Net worth ratio | 13.1% (p77 of band) |
| ROA (annualized) | 0.81% (p78 of band) |
| Total delinquency | 0.47% (p58 of band) |
| Net charge-offs (annualized) | -0.03% (p8 of band) |
| Loans / shares | 80% (p86 of band) |
| Cash / assets | 27.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.90% (p75 of band) |
| Operating expense / assets | 3.03% (p53 of band) |
| Vehicles % of loans | 48% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 61% |
| Third-party paper % of net worth | 158% (p86 of band) |
| Vehicle delinquency | 0.70% (p72 of band) |
| Vehicle NCO | 0.08% (p47 of band) |
| Repossessed % of vehicle book | 0.00% (p41 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 34% |
| Average share balance | $6,857 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $13,793 |
| Loans granted, annualized | $22.5M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency 2x band |  |
| 2017-06 | 2 |  | delinquency 2x band |
| 2017-09 | 4 | delinquency 2x band, loans>95% of shares |  |
| 2017-12 | 3 |  | delinquency 2x band |
| 2018-03 | 4 | delinquency 2x band |  |
| 2018-06 | 2 |  | loans>95% of shares, delinquency 2x band |
| 2018-09 | 3 | members leaving |  |
| 2018-12 | 1 |  | auto monoline, members leaving |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2020-03 | 5 | net worth falling, margin squeeze |  |
| 2020-06 | 3 |  | delinquency 2x band, delinquency rising |
| 2020-09 | 5 | delinquency 2x band, delinquency rising |  |
| 2020-12 | 4 | members leaving | delinquency 2x band, delinquency rising |
| 2021-03 | 2 |  | margin squeeze, members leaving |
| 2021-06 | 2 | charge-offs p90 | net worth falling |
| 2021-09 | 3 | members leaving |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | charge-offs p90 |
| 2022-06 | 3 | assets shrinking |  |

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

- 2022-10-04 [Three Credit Unions—That Used to be Six—Announce Completion of Mergers - cutoday.info](https://news.google.com/rss/articles/CBMiqwFBVV95cUxORVVOQ21zUVNjS0oxNnF3bV85UTZXa3l6RGJmWHRIR3dXbUowYzhOUnJUdmE0aVFyNm9DVEpiYkE1TFFoNXNtWDlqRy1uUVI4N2JmLUhQVktJVWVlTG11TFZyRWVGN1hJV1NQOGU3d3l3ZWcxVm1FSnIzZGdtR05vcXd3RDZhaW9Pc1pFRHFXVEVoeThOM3RKeTQ1V3RPZ3RiTUpITTA1cUpkaHM?oc=5) · cutoday.info
- 2015-10-29 [In Memoriam: Wayne Green, Professor Emeritus of Physics - Knox College](https://news.google.com/rss/articles/CBMihgFBVV95cUxNV1ZiZEU1dGlvLUdNb0t0bEtrN2RyRnBYNzBDRVZ2RmhBbXhrMGpxeEd0SV9OMEZ1WnJQLU93cXExNHZfZkVSTjdtdlBicHZrMGhFUVlQYlk3RWxub0dwR1VzWnlFdGJoRFR5MXZ5RDlnT0tvZFEwa3g4QW9BanRpS2k2R1F3QQ?oc=5) · Knox College
- 2018-11-01 [Obituary information for Pamela McClure - Kibler-Brady-Ruestman Memorial Home](https://news.google.com/rss/articles/CBMigAFBVV95cUxPaXd0eEozR2piVHZoU2pWbW1qSkdwMktYTmJHTFR6QnFYR3Q1N1B3bUY0TTNiazRoRU5jd0VDNy1YVXZhT3JTMERPQWZnYl9rOHdrWTRCTkF4aXhvR0NxSzJBZW9YS25pTTNzQVdmYllnZFZBblYyWnhtMzJyTTVVTg?oc=5) · Kibler-Brady-Ruestman Memorial Home
- 2020-11-14 [Jack Hubble Obituary - Bloomington, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPaTVoRHBjXzEweGF2U014a0pIdktPOXE2eGNCQmRIaDdvUHE5TWFYV0FBeV90cmpFOWR6MEk3Szd1a1pmcmZLcmkzQXd6UEFtZnptRnpCaUdtVGJaQzdLeThZRHk1UEpCVzVzQlBoc3F2d0lZTWFDdkN0MFBxSmoyZjhMRQ?oc=5) · Dignity Memorial
- 2026-08-17 [Maryann P. Stuckel Obituary (2026) - Sheboygan, WI - Ballhorn Chapels Funeral & Cremation Care Center - Sheboygan - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPNmJ4ZElmaWFabUJ2QmVoLXpCY2MzeXZqWm5UMjRDMThqcGwyeDZCTnRZNzBkZ0NwUVhNQTZ2aHBOWVUxUHVrc3NJVDVlZUdhNUZvVnFxeTExMEFmeUtiT2tRb1FOZmI3LVpoQXFrdUJLaWNHZmpzSVFSbFU5dk5XQ0p3VWk?oc=5) · legacy.com
- 2021-11-20 [Rickel Green-Fieser Obituary (1970 - 2017) - Bloomington, IL - Chicago Sun-Times](https://news.google.com/rss/articles/CBMipgFBVV95cUxQSXRicHB0MndILWNPZ2FlVWJWMmJrejhTcDZuenRNZUE2M1duaDFQaFhVQTlTZ0gyaU1GaFhXcDBteDlyX1RqcUczdnZVQUFhMUMydTBIREh3cDNHUmt3cVBkNHViaDNUczk1VEhBNzNpa01DVmM1VFRWUVZLa0lMdFl1cElBWk92cGRiY09ESGFTYU1JU3pBdDAxMlpPVFNuazQ5NG5B?oc=5) · Chicago Sun-Times
- 2018-03-14 [Jamie Miles Obituary - Bloomington, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOMVU3dHdTLTFrek9TMFoxU3Rfd2xtUE5lSTI2eVVOQzJoaE5vUG1rTkU5U0VYVmc0MWRHUmRxTlVjM2ZwUlZtbnJnc0o4QUhHT3QtUktTaDlCMkF6R1FwOVc1eGxISUlDaXBmdkphZHVtUjNpQk0tZjhFaEZlajNYTGhHbw?oc=5) · Dignity Memorial
- 2021-10-27 [Kaylene Kurth Obituary (1942 - 2021) - Bloomington, IL - The Pantagraph - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOcWRSeERaaU52LVBCdTNJSEtWZ3NtWmtkb2tiRm9sc1NaT1ZrNzFkMkpfQ29KVlYycEgwS3c1c1M2NmJQNmhrU0dSUWd5R3dpbkE3djk3TGxnemxUbDNESG9mMFZYYzJhOEZWRWs3RllOUzllQ09uanJfU1dMWnc5M1dqcDJFZHQzdFVEWEZ5ajQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2037 (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/53.json (key "2037", 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=2037
- 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