# N.I.C.E.
Geneva, IL · NCUA charter 24039 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/n-i-c-e-24039

Who the members are: federal charter, multiple common bond, organized 1983, low-income designated. 352 members of 950 potential (37.0% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.6M |
| Members | 352 (-1.7% YoY) |
| Full-time staff | 1 |
| Net worth | $193,727 |
| Net worth ratio | 7.4% (p4 of band) |
| ROA (annualized) | 0.25% (p35 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 70% (p68 of band) |
| Cash / assets | 25.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.69% (p80 of band) |
| Operating expense / assets | 5.23% (p82 of band) |
| Vehicles % of loans | 68% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 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 | 24% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 90% |
| Certificates % of member funds | 7% |
| Average share balance | $4,554 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 35% |
| Average loan balance | $8,204 |
| Loans granted, annualized | $975,312 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, charge-offs p90, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 | net worth falling, delinquency 2x band | charge-offs p90, auto monoline |
| 2017-03 | 4 | thin capital, delinquency rising | delinquency 2x band |
| 2017-06 | 2 |  | net worth falling, thin capital |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | net worth falling, auto monoline |  |
| 2018-12 | 4 | members leaving |  |
| 2019-03 | 3 |  | members leaving |
| 2019-06 | 3 | delinquency rising | net worth falling |
| 2019-09 | 4 | assets shrinking |  |
| 2019-12 | 4 | net worth falling | assets shrinking |
| 2020-03 | 4 | margin squeeze | delinquency rising |
| 2020-06 | 5 | thin capital |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 7 | losing money, delinquency rising |  |
| 2021-06 | 6 |  | net worth falling |
| 2021-09 | 6 | capital below 7% | losing money, delinquency rising |
| 2021-12 | 4 |  | capital below 7% |
| 2022-03 | 3 |  | margin squeeze |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | expense trap |
| 2022-12 | 3 | expense trap |  |
| 2023-03 | 2 |  | expense trap |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | expense trap |  |
| 2024-03 | 5 | net worth falling, losing money, charge-offs p90 | expense trap |
| 2024-06 | 3 | delinquency rising | net worth falling, losing money, charge-offs p90 |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 5 | delinquency 2x band, delinquency rising |  |
| 2025-09 | 4 | margin squeeze | delinquency 2x band, delinquency rising |
| 2025-12 | 3 | delinquency rising | net worth falling, margin squeeze |
| 2026-03 | 2 |  | delinquency rising |

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

- 2026-06-22 [The B-52s and Devo announce 2026 'Cosmic De-Evolution' tour - BrooklynVegan](https://news.google.com/rss/articles/CBMikgFBVV95cUxQT1BoT0JCVWlfQ0FKRzZaMlB1SlE4akR3Y0VZemVhR1Y4bHo2YXhUdWpVWV9GempmSXJSR2gzSzAtR0k0ck14azdCcEg1dDQzN1FiSjlwZnpxOVhXcWhoNVZOenlzSDc1bWZDVWNTMlhXT0RTMEJXeHNuV09lM2M5Qi1CbWJTUGdWU1A1VUlYYjhZdw?oc=5) · BrooklynVegan
- 2025-10-09 [Alice Cooper and Judas Priest at Credit Union 1 Amphitheatre in Tinley Park, IL - Loud Hailer Magazine](https://news.google.com/rss/articles/CBMiygFBVV95cUxNTndBVU5wbmhQSzVYRF9qYmRkallRa3JXU3dxRUh2bHh2SnNTV0tUTUZIUFdHVXpWcUhta19FVjFxSmZsTDBiVEc0REJzT1c4YmFDSTdjR0xpMWZhb2RfRnh1a3FzRmVGNExfM1ZnRk9pT0hjbnBOTHRlc3JZQTBZZVdSWERrZHFxRzVIMjNBNnhzMXNhcFVVckNPanl5eHRabzl0OENBOHo3LWtSb3FEWmdMajh5ZUNOVTRET0hfd055bFZXRy1KTjBB?oc=5) · Loud Hailer Magazine
- 2026-04-10 [Billy Idol ‘It’s A Nice Day To…Tour Again’ tickets just dropped: Secure limited ticket deals now - AL.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNRDRoSTQtX0NoSFZsRUR6Q1hMRW5hVmtCem84N3I5bS1YM25YSFd3ZV9kU1c2ZTVUbDVTd05oZ0QyWVJKR29KbWxRMFJMNWp1cVF4NHRJRGxxdElvdGEyNWxNc3RLV2hDcHluNVpuQ0hBckhjTmpVeXgtMUpzZHh5ODhYZzlPdmRsdVA3Ymhzd0U5QWpMejFxRE54eFdfei1kdWNoTzRFc2RhUHRROVlzbTR1MEw2bjZpcXhfbS1nR1RGUmRUdDdYRUVMbFpwTHNSMlV1OTA5aVdVd9IB7gFBVV95cUxOVUhSSEFKQktJMF8xNDhybWo4LWdZeGpSdHBqYjkwVzZEM0ZLdXlfMFRXSU5kOUppWG13NWxVTjZ0MlM3MXBFVDRLcDBkbUVMWFpNU0NlMUZtampYdk41QzVNR0JpaDNtOXV3amZOb19GMmtRQWRwNHFCR2ljam51UW5NXy15dWFpaTBXcUxISGhocUw5c3VtTF9LTTVIQjhyT0dUSUxzU1Nuci11NFVSWnNyVUZySlBURzIzRmJQOGUzZ1dxa2dNVkVVNW42TFBzWlR3LTJaMEZ4RXg3YmFGek1xY0d1cDlwSEFJOURn?oc=5) · AL.com
- 2026-04-08 [Billy Idol Announces “It’s a Nice Day To… Tour Again!” 2026 U.S. Run - TicketNews](https://news.google.com/rss/articles/CBMinwFBVV95cUxQb011SUl0UTlLd3V0NUpoeDRYeG5EUVVySk5YZ2xlS1h5dHl5ajI2QWdBRWJKVWRIM09DOV9adXp3X253TFlyN3BteHJUQjNxbW1QV19FUlRsekpBYkc2Vm5kc1hLZEN5SmNnbHhLU3J3VHJsVnZvVnBUV1BCMmkzdVhIVDUtVnotYUpIbWtCMVJoUXZqbkpRVjFTbmlNODA?oc=5) · TicketNews
- 2026-07-12 [Pitbull Sets Guinness World Record for Largest Gathering of People in Bald Caps - Consequence of Sound](https://news.google.com/rss/articles/CBMidkFVX3lxTE81VWRRVFltdkdMdnQtaFZIR2hZX2VvUmdrRjR1UnBCamVDZ3hRODJqNTU5V0dQRWhlOTdCRk9Jd3ZWTmVnamtxMVduMGc2RVhSLUVIUWdhRjBONU84SUMyc3hfMnRKbEdrdG5jcFJxWWlMOU8yYkE?oc=5) · Consequence of Sound
- 2026-04-07 [Billy Idol Adds a Full Summer Arena Run to His Already Relentless World Tour - That Eric Alper](https://news.google.com/rss/articles/CBMiugFBVV95cUxQNlk4Qk1HN3pjMTFma0hhYnQtdjA5ZWpFRnR6WUV4dDRfT2pobEdDU1ItRXlZMDZwSXZyVkFIZUl0LXdSekNiczNGclR3MlRZZnBWLXVrMWtMdUFheDJxXzFuOF9VT0YzNXhuS0Fadk5mRHpsTXVuazA0VFNFYUZCMzlzdmxHZU82ZnhxbjFzQjlQOE8wcHpDQzVIVXN3X1lnNldFWWFRS3pqbkI3UmljOG9KaWQyZmZkSnc?oc=5) · That Eric Alper
- 2025-08-17 [Billy Idol at Credit Union 1 Amphitheatre in Tinley Park, IL - Loud Hailer Magazine](https://news.google.com/rss/articles/CBMisAFBVV95cUxPR0NHeDZ3OUtNTEN6bjQ2UTRrNWl5VVZrWUY0NGJGM3FiZEdodnhSQWtObHV5YWowaE9RTmR3cmZTMUM4bkhaMkNsX3hIZDdVNTd5M1FTSUtIOFFYa2VIME80cGFwdkt1OC1xYVd1YTl1U01MYVlCNm1kZGVLRmZ0NFpqSE9IaWd5ZUFaY3ZTazNzbnJaTWMxc2ZJcTlhMzBnNjRoUDNKQ0hVUkdUTG45RQ?oc=5) · Loud Hailer Magazine
- 2025-01-21 [Billy Idol Back On The Road This Year With 30-Date North American Tour - Pollstar News](https://news.google.com/rss/articles/CBMirAFBVV95cUxNZm9VbE5BalV4SllLNVhzcTF2bFExeWVZcXo3U0dhRS1FMFBDLTU2RmRMR1JiODlUSWUwbXh6R3pIN2ZFR2xhbldueklrWVJaZnhvRlpHTmNWZlJyclk4SjRLWUpUSm9wWHNBaVFPcmJJWVJkQWZJZUhIUF9qZGY1VVJaTDUyY0w5WE1GbmlUcHdZRzNKeXkyRnFJcVoyM3c1OVRwQzZ3dGVDdGJP?oc=5) · Pollstar News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24039 (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/39.json (key "24039", 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=24039
- 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