# ROCK COMMUNITY
Rock, MI · NCUA charter 21020 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/rock-community-21020

Who the members are: federal charter, community charter, organized 1972. 826 members of 1,100 potential (75.1% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *auto monoline*. 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 | $9.0M |
| Members | 826 (-1.3% YoY) |
| Full-time staff | 1 |
| Net worth | $779,782 |
| Net worth ratio | 8.6% (p8 of band) |
| ROA (annualized) | 0.61% (p52 of band) |
| Total delinquency | 0.78% (p55 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 33% (p16 of band) |
| Cash / assets | 68.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.78% (p14 of band) |
| Operating expense / assets | 2.18% (p14 of band) |
| Vehicles % of loans | 80% (p83 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.82% (p60 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $5,986 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 38% |
| Average loan balance | $10,937 |
| Loans granted, annualized | $798,816 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 3 |  | delinquency 2x band |
| 2017-03 | 5 | margin squeeze, members leaving |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 2 |  | net worth falling, margin squeeze, members leaving |
| 2017-12 | 4 | delinquency rising, members leaving |  |
| 2018-03 | 3 |  | delinquency rising |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | assets shrinking |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 5 | delinquency rising |  |
| 2019-06 | 4 |  | delinquency rising |
| 2019-09 | 3 |  | thin capital |
| 2019-12 | 4 | thin capital |  |
| 2020-03 | 4 | net worth falling | assets shrinking |
| 2020-06 | 3 |  | members leaving |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 5 | net worth falling, losing money, margin squeeze |  |
| 2021-06 | 4 |  | margin squeeze |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 4 | delinquency rising |  |
| 2022-03 | 4 | net worth falling | delinquency rising |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | net worth falling |
| 2023-03 | 2 |  | losing money |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | assets shrinking |  |
| 2024-03 | 3 |  | assets shrinking |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | delinquency rising |
| 2026-03 | 3 | net worth falling |  |

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

- 2025-07-10 [Dorothy Sullivan – Rock, MI – September 12, 1923 ~ July 5, 2025 - Upper Michigan's Source](https://news.google.com/rss/articles/CBMipgFBVV95cUxNbmoxNlpwbXNqZFAtYTBrMWFNS2ZSVkp4UFZ5TjZGSnBudDFRM2tIdGVuUXEyRnpHTzJVa1R1QV9vMlJTUmVkbHdjNmVKMDRMS0pDbTdndmlqcUFyQXVxMjZkN2ljUXMxZF9KUldTXzNtWEI0WkFJaDlZM0hmQ0k5MFVLQzJxUnVmSnhuVldfVzJtRlhpTVNELWtDZTU0QnRleHpuMV9n0gG6AUFVX3lxTE12clVreGxobC1mb2w0WmtrQ0l1LTZvbWxuYWdQT056VnU3bGdlTUtjaFdWa044c2FmMTQ5bHVaMzdTOXFtSjFEcERRQTh6X3NVRGRoZnpWVHJZZHRPQXdvSzhNendTM05zOTB1amNOTW9XaTc0Y0Z1QXN0aUF1TXczckZKRlpkQmQ3bTQ2TF9OMnRNUzVOSXVoMFdGbVNTYzhBQ05tV0dWeTRJX2JMQzJaS3VvMW5BZ2ctZw?oc=5) · Upper Michigan's Source
- 2025-07-06 [Dorothy Sullivan Obituary (2025) - Escanaba, MI - Skradski Family Funeral Home - Gladstone - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQQm54Sk1WY0lCT2tkWUNPcmQxVDJkZllvQUtidWJTVVl3VnhFWEllWnlRY2loakJzQklDcDBBTjVKdkFYTm04OWpUVFBCcEYtTlB0MFFjZDRGSTlVaTlKaHUwOXJpdC1EWGhiTHQ4UDkyUTBjZkd3MEgyMnhrNmgxRFFhUlk5UQ?oc=5) · legacy.com
- 2024-02-05 [BUSINESS BRIEFS: Lee Bank announces commercial lending succession plan; Greylock Federal Credit Union promotes Megan Hagen; Jack Miller Contractors hires new team members; Lime Rock Park promotions; Berkshire Grown elects new board; GBPT - The Berkshire Edge](https://news.google.com/rss/articles/CBMi_AFBVV95cUxPSEQwUk5oLWNpVXU2TWRCcHhCVmhTbVdNd1NaNVRZTGZEUHlpM3B0czhkY2xZbGtmOHowSlZMQmdmMUxhUThRdWxZNzAySzZCU253TDYtQ1pQUmFWV29ZLVlDTkM1N2otVkIxenpCYkVTTzVzajZkSmVIbnV2X2ZUdEJHMUplbUwzQ2lvaDhPM0VaYmctT2g0WkppV1ZIUmhMOTVPaXRLMEFWaWp1N0pZTGhCbzlWTmpBVkN3N3A5Q1M1a2JBRmVTMndORU8zVmZRb0FiT3VJcHYwTXJCTU1KOGp4R3NaaC1kcG9ta3BjZGNOXzFDQnhtd1p6Mmk?oc=5) · The Berkshire Edge
- 2016-04-27 [Spring home school program at Flat Rock Community Center among what’s going on Downriver - thenewsherald.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQWHR6b01xU3FVVEtYdlM4ZG1YMG9SRVdjUUE4MzBPSktTQUdtTnJldW9mZGJsQjluaFJKNTNYUFlfYXhPdm1DZ3N4bHFlTWx2c3REYXR4czJsTVBRb19NSmhXQkRGVW5jSnpHUGdNMDhBX0tfMUZUVHpZdTZhNGloMzJSMXI5NXZ6N2t0Ympzb2x3cEVMdm5lUFRHd0RodzhzQTQ1RjRSbzktOW5aT21yRTdZeERmWVlqS2RpcFJrSlhiTWw3dTV1RA?oc=5) · thenewsherald.com
- 2022-01-14 [Loverboy Returns in 2022 with New Single “Release,” Set To Tour With REO Speedwagon and Styx! - Icon Vs. Icon](https://news.google.com/rss/articles/CBMixwFBVV95cUxNY2RlTll2eHpobDBlbDF4Q0U1aXhyb0ZWY2RIM3hyOGYxcWhuNWFsNXRZYUdaSVlCWE1PWXcyT3ozdzBFR1E4Q1VySXdsamF1S2g2M203NHhPV04wMXFhb2pXSmMyVGZ6eWJXeWVEN2hVcWJiZWQ5Vkh1aDVVRldiNkd2US00WmMyNVhYbmJOYmJkaXB0MWc0U1VWaEdPZmg3MTZvOE80SXExb1I1cUlJaVpZZTBrdkFzRnZYb2MwUGRDWlJ1T0VN0gHMAUFVX3lxTFAzQnREa0tYWk4tY3VBa2hQYzBISVp5VnhXNVgxeVhfZDNUV1hoVU5HWUhUbF9WbUdKcTI4ZjRjZk5lMWQzZWxBcDUwdlljOGs4Q0JYTENOQmd2a3hoM3R6d0ZPMDRlMXh0U1k3cUlsRXVTampxQ3BvRzFxSXhFZWFEemVxemxZZFhLM3BoX0pRY3FiLU55UWVpZWFoVGxvZ2tvRk5GQ3R0RGVWb3JuS2JkbkRkb2FlVWp0MGFyRzFNb29tWVRrOTJjRUVCQw?oc=5) · Icon Vs. Icon
- 2026-03-13 [Two Door Cinema Club Announce Massive North American Tour Celebrating Iconic Debut - That Eric Alper](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOajExSk5EUVJKVWs0NnRNYmJhODhKM2h2Z2NrelBuX2drSTU2UUdMSGJwY2dReTNPVkdSSm1SSC1KWm16eEpxWjFvUFhpTHNJR3luTDNDQkIwTkJ4LVl5Q0xNVnIwaTNjWGZtU0VGMWViMkZKQlpQbUtwMXM2bHFpeGpSdlNTUlVJSUVIY011TWhrVlRoekE2RzlZVzVsZ1htZmhJN0J5dS1XLWRSUFhNdTlXRm15LU1pZ1RnZ2VvX0RZZw?oc=5) · That Eric Alper
- 2017-01-28 [Detroit pastor falls from grace, gets prison for fraud run from church - Detroit Free Press](https://news.google.com/rss/articles/CBMirwFBVV95cUxPRXVNRVp0ckNlSl9abW5LNWpRREdwQ1ZJOVhRWEd4R2V5MDhtRnRNclF3V3JJMzB4ZUxqMjg4TURjOEtjZ09qcHVJUWdISUptT2NXdlZhaWlVeXpvNE1wUmthNTI2UnJvZE5kN3dvdS1IRjdaMDF1Uk9OT2o4N04tcXlUUkZwX0JER0M3WlFOeXhzbk9BUlJBWldEX2FsWW5FTzZzUHJSRzBZWXZkYkQw?oc=5) · Detroit Free Press
- 2020-01-22 [Nickelback Reveal ‘All The Right Reasons’ 15th Anniversary Tour - TicketNews](https://news.google.com/rss/articles/CBMid0FVX3lxTFBpU3ItRlZOV3hBaHAxM0d5bmdCQUloSmRPR21qV25EQTJkbXVwUU16QTZXME5mNXY4TVlOR2MxcjhGQzdiakhEWUlDOFcwWlNfUW4wSVdQWmVGT3U0TW5ZeGNiclZfcHh6VlI3WlZjUFgtU2xISmMw?oc=5) · TicketNews

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21020 (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/28.json (key "21020", 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=21020
- 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