# ADVANCE FINANCIAL
Schererville, IN · NCUA charter 24078 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/advance-financial-24078

Who the members are: federal charter, community charter, organized 1937. 7,165 members of 671,915 potential (1.1% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $122.8M |
| Members | 7,165 (-5.0% YoY) |
| Full-time staff | 33 |
| Net worth | $16.0M |
| Net worth ratio | 13.0% (p67 of band) |
| ROA (annualized) | 0.38% (p29 of band) |
| Total delinquency | 0.50% (p42 of band) |
| Net charge-offs (annualized) | 0.04% (p14 of band) |
| Loans / shares | 55% (p24 of band) |
| Cash / assets | 1.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.25% (p27 of band) |
| Operating expense / assets | 3.53% (p46 of band) |
| Vehicles % of loans | 53% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 65% |
| Third-party paper % of net worth | 283% (p94 of band) |
| Vehicle delinquency | 0.64% (p54 of band) |
| Vehicle NCO | 0.31% (p37 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 14% |
| Average share balance | $9,473 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.9M |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $28,990 |
| Loans granted, annualized | $12.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.9M outstanding purchased (11.9% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -2.9% year over year.

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 6 | thin capital, losing money, delinquency 2x band, charge-offs p90, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 6 |  |  |
| 2016-09 | 6 |  |  |
| 2016-12 | 5 |  | delinquency 2x band |
| 2017-03 | 6 | delinquency 2x band, members leaving | losing money |
| 2017-06 | 7 | loan book shrinking |  |
| 2017-09 | 7 |  |  |
| 2017-12 | 6 |  | loan book shrinking |
| 2018-03 | 5 |  | delinquency 2x band |
| 2018-06 | 4 | assets shrinking | thin capital, auto monoline |
| 2018-09 | 5 | loan book shrinking |  |
| 2018-12 | 4 |  | loan book shrinking |
| 2019-03 | 3 |  | charge-offs p90 |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | assets shrinking |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 3 | margin squeeze | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 2 |  | margin squeeze |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 4 | assets shrinking |  |
| 2022-12 | 3 |  | delinquency rising |
| 2023-03 | 4 | losing money |  |
| 2023-06 | 3 |  | losing money |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 5 | losing money |  |
| 2024-06 | 4 |  | delinquency rising |
| 2024-09 | 4 | loan book shrinking | assets shrinking |
| 2024-12 | 5 | assets shrinking |  |
| 2025-03 | 4 |  | assets shrinking |
| 2025-06 | 4 | delinquency rising, assets shrinking | losing money, loan book shrinking |
| 2025-09 | 3 |  | assets shrinking |
| 2025-12 | 2 |  | delinquency rising |
| 2026-03 | 2 |  |  |

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

- 2026-03-11 [FICO Launches Digital Tool Hub to Help Lenders Accelerate Credit Risk Strategy Innovation and Advance Financial Inclusion - fico.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNa21zYkNzOFpzeXNaLUhsV3o5MWc1aXBqZ3RQQmhoSEMzMXVFcDFtSHN0WXVFR2s4NFFXd0ZpTXQ2MFV6T1RBanJMVWI1OUZxSnNEU3ZYWFRVb1pjTjRFRzhJODAtUjlicW0wdUJ1Z2wyTTZHeDBaLTJBNXh6cFRmeVpHakF1a01zZmgtN1FzZWNadHBmcjlRUWR3NEJaajZ3Smd2TDNYOXVJeUNkR3lqa1JnVEtMN0FJWUd3VExjWWRTYklMT3daUy0taEVDMjcwS1Q5emIzSkpPYjhuTEYwOGlXcEZndw?oc=5) · fico.com
- 2025-11-04 [Florida High School Athletic Association Announces Partnership with Suncoast Credit Union to Advance Financial Literacy for Student-Athletes - Florida High School Athletic Association](https://news.google.com/rss/articles/CBMilgJBVV95cUxOWThENE90WlotNDBDMW96MkFBdFpaQ0s0ekZnd3VtaUZvTHlZdzZpTlYwaGhtck5TNlhZaXZhaFV2Ym82SjJRSE9uZUk4dXJaSjZiQ0pzVngtTnBlUUI4TTNBNzA5S0dwZG9rRTZJVTRDbmYyaXVqcmE0OEFVLXRIbHFkUjZnWU5nQnJpVmlpZnhrcndXTFVYRmpKVHZtT3RmcG9zOXQ0YVFpNzZESXBnWS1EdjBZTlMwNmhBN2wtS0puVU5hOVcxV2dHTXBNSHowQ3VBM3M5WkNqeXR6dDVJTkh2RmxLRHA4WHhESXpSaUFJdHdUdm5mMVlKQTN1OU8tRDg0YnFZanNVb3hWM0RzVWhDWUZNUQ?oc=5) · Florida High School Athletic Association
- 2022-03-17 [Advance Financial FCU and its board of directors assist local charities - CUInsight](https://news.google.com/rss/articles/CBMisgFBVV95cUxOaVZIZlZoZHBYNUlKbHlqVHM3N3FNZ0U5aW5SR2lud2p2eEZ4MTRiVjVyYXdOZGpmbEcycVljRHZQaU9wOFQxZFppbnJJQ3hZWmw4X3pqaU10U0JMNENCaWhGcGp5WW54YjcweEhGc1lqdEpHY01vb1NVT2hBN3JxWEVIR2tNNjdWaDhjT205amh6UExmUVFxZEl0STBNdmRIbW9IbFU1Zm43VjkyVlN4N01B?oc=5) · CUInsight
- 2021-11-10 [Urban League, Credit Unions Form Partnership to Advance Financial Well-Being of Black Oregonians - National Urban League](https://news.google.com/rss/articles/CBMirwFBVV95cUxQR1VCaU52Qm9ycVRnbFZfVVpsUUd0N1ZoVzY2Nk1BTnoxckhHbFVqX01adW9yZWlRXzBPNHdtRWRobmRGcVpOQTZmTl81WnlRYkY0Zm1wUldKZmFIQTdKaE9iMTBza0VNR3NVU2Y5VEl4a2g5M3dRdS1DdDloZ1ZlWDlTVnpZckQ3Qm9QdHI0WHQ0OWZtM2hVNUM5NFBOSjRlTEVOSHJad08wNlhRR2Fz?oc=5) · National Urban League
- 2023-11-07 [Credit union regulator proposes rule loosening hiring restrictions - ESG Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxNOGluOHJmbElzU2JHc2lRT19OeWZRVmx5UFJaUTVHMzFMRUstVE9mNXlqWmZiRldnUWZNVnZrUnZoMFNLVy1fUllNcFhLdE9HdGhlUm9fSXM5djBueE01SUJ4eTduSE5KbjJETTB3elJZclpLeWQwYVhpem5WTkw2TW1WZVhCb0FibXZrd3djWTZyT0Jjbi14QUM5eE5zWHIwb2tGMnNn?oc=5) · ESG Dive
- 2022-07-26 [Advance Financial, payday lenders and their role in Tennessee politics - The Tennessean](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNcFY3ZUZOcHVVMnYxUmxwQ0x3VFZadTZGekFjMUZ6Z2VzLW9kWmNjUkN1VHlaMTNnSzl0Ri1oMExjeHEtdk5rWVFrbVRmc1Rrc2ZEaVdZMXJtbE9Pb192QmZ2YXpHeHNWa3hYRUIwNS1mSXBKczQ2Ti1ZU2NKU2NTMW9DcElnRmU2Ums0Q2FNTXZjSkhVbThNeFFwLUU3cVlCZFdVcC1qWTJ5MGhPcjI2SlBNRGtWa3pjdE8tenp2SVU1T0JBVThfYzRWTjlma2pKcjRiRnVB?oc=5) · The Tennessean
- 2024-10-17 [Yield Giving Grants $9 Million To Inclusiv - cutoday.info](https://news.google.com/rss/articles/CBMihAFBVV95cUxQU3Y2U2lnY0t2ck00bGZTVko5dU9wZDBzZ2VIQXZaUEE3WGYtVGw3NEFucXNJLXVuQ1ZWVHdCc0J0eFBzZGpSTC1QTEp1Y2F0dXlBam5xdWVMckhrZXNaNlVXVFRxYXhxUmhBOXo1X1hnNkRFU0xsQjAwNTI0eXhpcm5pczg?oc=5) · cutoday.info
- 2025-09-28 [Barbauld Agency wins award - Northwest Indiana Business Magazine](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPVGZWdWZxWHBOZ3ZKSzBLQmF1bU10bnZ0R2xlZFBUQnI1cUhLYW04bE1lWFBDTkYxQVBHUXVxMElqZkRBX0RmaHRTbmRJN3d0TGlOdlJyZlpqQU5aUTdYMmEtRFFEdWoyTUpfcWJTYlY2T0pNWElPUGpZMC1uajJwZTBvb1B2ZFRXUU9QSWI1YTMtRVdfaHh6M0dCYWNZODNObXk4bGtpYm5Idw?oc=5) · Northwest Indiana Business Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24078 (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/14.json (key "24078", 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=24078
- 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