# POLISH-AMERICAN
Troy, MI · NCUA charter 22280 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/polish-american-22280

Who the members are: federal charter, multiple common bond, organized 1976, low-income designated. 7,404 members of 10,000 potential (74.0% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *fortress*. 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 | $188.2M |
| Members | 7,404 (1.6% YoY) |
| Full-time staff | 22 |
| Net worth | $24.4M |
| Net worth ratio | 12.9% (p66 of band) |
| ROA (annualized) | 1.35% (p84 of band) |
| Total delinquency | 1.88% (p92 of band) |
| Net charge-offs (annualized) | 0.00% (p7 of band) |
| Loans / shares | 77% (p63 of band) |
| Cash / assets | 26.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.03% (p16 of band) |
| Operating expense / assets | 2.01% (p5 of band) |
| Vehicles % of loans | 6% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 1.18% (p78 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 83% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 42% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 23% |
| Average share balance | $10,972 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.3M |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $37,007 |
| Loans granted, annualized | $22.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.3M outstanding purchased (13.6% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 7.3% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2020-03 | 1 |  | delinquency 2x band |
| 2020-06 | 3 | margin squeeze, delinquency 2x band |  |
| 2020-09 | 4 | net worth falling |  |
| 2020-12 | 2 |  | delinquency rising, delinquency 2x band |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | delinquency 2x band |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | delinquency rising |  |
| 2022-03 | 2 |  | margin squeeze, net worth falling |
| 2022-06 | 0 |  | delinquency 2x band, delinquency rising |
| 2022-09 | 1 | delinquency 2x band |  |
| 2022-12 | 0 |  | delinquency 2x band |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | delinquency 2x band |  |
| 2023-09 | 1 | assets shrinking | delinquency 2x band |
| 2023-12 | 0 |  | assets shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 2 | margin squeeze |  |
| 2025-06 | 2 | delinquency 2x band | margin squeeze |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2022-03-30 [Helping hands: SALT Church of Troy to host Ukraine benefit dinner; Credit union matching donations for Ukrainian refugees in Poland - The Oakland Press](https://news.google.com/rss/articles/CBMigwJBVV95cUxQOXJsQW9FNlVsejVTYlB1aDE4NnpldmVSek5GTDB2MmZROEZkMnp6a19pNmhia05HdklHTDNEUVN6X21xLWsxS2xvYjEtaXpkM3lQaEdiZlhVQUFLQ1ppVzN2bW43N3JHREZITTJfS1FydEdLYjUta0Ytemh0aml6OEtybVdDNHZodGlhcjhvaTBJM2dvZWhCMXQ5N1Rqamd0UmczZEJhcTVfUFhUbGxiTl9zNk8xaFpMZ1RXa1BuRnBWM3pyalZmR0V1ek1LZUFnUW9kaWlIdnFFMzBkR0ZhYU1aOUU2dkZOdWFRQ3d3ak1EQ3hrSUxxOGM0VTl4TzhiSnAw?oc=5) · The Oakland Press
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - imore.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · imore.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22280 (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/8.json (key "22280", 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=22280
- 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