# COSMOPOLITAN
CHICAGO, IL · NCUA charter 24188 · asset band <$50M · latest filing 2019-09 · stopped filing after 2019-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/cosmopolitan-24188

Who the members are: federal charter, multiple common bond, organized 1985, low-income designated. 21 members of 21 potential (100.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 0.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $24,563 |
| Members | 21 (-75.6% YoY) |
| Full-time staff | 0 |
| Net worth | $4,164 |
| Net worth ratio | 16.9% (p69 of band) |
| ROA (annualized) | -4.93% (p1 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | 0% (p0 of band) |
| Cash / assets | 98.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.53% (p0 of band) |
| Operating expense / assets | 5.91% (p91 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $971 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, delinquency 2x band |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 6 | thin capital, capital below 7%, charge-offs p90 |  |
| 2017-03 | 7 | delinquency rising, assets shrinking, members leaving, loan book shrinking | capital below 7%, charge-offs p90 |
| 2017-06 | 7 |  |  |
| 2017-09 | 6 | margin squeeze | expense trap, delinquency rising |
| 2017-12 | 5 |  | delinquency 2x band |
| 2018-03 | 4 | losing money | assets shrinking, members leaving |
| 2018-06 | 4 | members leaving | thin capital |
| 2018-09 | 4 |  |  |
| 2018-12 | 6 | delinquency 2x band, delinquency rising, assets shrinking | margin squeeze |
| 2019-03 | 6 |  |  |
| 2019-06 | 7 | expense trap |  |
| 2019-09 | 5 |  | delinquency 2x band, delinquency rising |

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

- 2026-02-03 [Ari Lennox Returns To The Stage With 2026 North American Tour - Live Nation Newsroom](https://news.google.com/rss/articles/CBMioAFBVV95cUxNbzBnQWhhOWhUUFlPZ3ZqSE16aWZiTTNSMmlMdVhIMVloMVhQb0Niem5MLS13U2RoSndQTlBva2FMem5FcGR5ektLejMwRm4xRmV4eE53aEl2aEVTTzNudmE1Y3NXbjM5dU1NdVBrZW5ld3J4a3gyZE95ZGNOQTJVeWpyM0w4SmphczZrMWh6WmVidVhQVjczcmxWSWc4dW5B?oc=5) · Live Nation Newsroom
- 2026-05-28 [Lenny Kravitz Setlists 2015 - JamBase](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5hRTRNbWdxeEVtMDBCSk9EcE1YaUZ3UEg1bnMzaXotc0VJV3o5eGVjRVlCV3VCOThfbHc4UGVHMFI1TmxBd1VKSHBsZGxhVzR1cjdPdU8tVll2RThDN2xuS1ZmLUhiVEk?oc=5) · JamBase
- 2025-04-08 [TiK ToK, It’s Time to Buy Tickets for Kesha’s Tits Out Tour - Cosmopolitan](https://news.google.com/rss/articles/CBMikAFBVV95cUxOdzAyX1hfR2N4bTE5dlRiX2JxOVpuQ0hiQkE5cjg4Ri1FeW9TZjF0eEJIQTl0cDB1Mm1qbVNQcnZ4QVVIX3NSYXB3UnZwSjIzSjNBYjBZS1RreHhjNFM3NDhBRTB0TkUxbG9uVnlIQ3psdFk1RXptU0tlMUs3QmFqUWVxZnJreTk4TlFDOG9rV0c?oc=5) · Cosmopolitan
- 2010-12-12 [Stylish Cosmopolitan in Las Vegas needs every edge - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMioAFBVV95cUxNT2txNlc1b0w1Y2pXTXZSdVhXLXJzWS1xUzFwcC0zbmZuRmE1alAtai1wcTNtU3FTWGFCZ1czaFRYcTV4eExjdGhDRXRYWERBb2YtZHJwRzl3YUcyZW0wczZGbWJfWlM2azhRYzBmX0kyOXlHNV90TVJtNWp1SWhiZERnVFZmM0FvY21SSnluZU52ek5xYTZHMEthclk2MFFZ?oc=5) · San Diego Union-Tribune
- 2025-01-21 [Chris Stapleton's All-American Road Show Is Back—Here's How to Get Tix - Cosmopolitan](https://news.google.com/rss/articles/CBMiuAFBVV95cUxORnJObGlYVmVwclFqaEI4OEp4dlZnME9qcGNSVk5Pb2VJVXZrbzVHTjQzRE83dUJIOFRaS1I5bWxqa2F6LWI5bEJnSzBBbGROVlNIWi1SUUdwQm5jVDg2cW1tLTdheDhJWTdwRzQzMHZZYkVROWMxRmhKRUpmM1FWVmZ6V0JpV1JWaHV6OFotZG1EUGtQR3lFWU9LQmpZM0FRdmtYdWFTWmxPV1JYUTRBeGlIOXpORWNa?oc=5) · Cosmopolitan

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24188 (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/60.json (key "24188", 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=24188
- 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