# HOMEWOOD
HOMEWOOD, IL · NCUA charter 24711 · asset band <$50M · latest filing 2025-09 · stopped filing after 2025-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/homewood-24711

Who the members are: federal charter, community charter, organized 1937. 588 members of 2,000 potential (29.4% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 11.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.5M |
| Members | 588 (-14.8% YoY) |
| Full-time staff | 0 |
| Net worth | $124,840 |
| Net worth ratio | 8.4% (p7 of band) |
| ROA (annualized) | -4.35% (p2 of band) |
| Total delinquency | 2.97% (p86 of band) |
| Net charge-offs (annualized) | 0.00% (p20 of band) |
| Loans / shares | 53% (p38 of band) |
| Cash / assets | 50.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.84% (p79 of band) |
| Operating expense / assets | 9.44% (p97 of band) |
| Vehicles % of loans | 82% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.92% (p78 of band) |
| Vehicle NCO | 0.00% (p24 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,312 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 11% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $11,465 |
| Loans granted, annualized | $408,949 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, delinquency 2x band, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | losing money |
| 2017-03 | 3 | assets shrinking |  |
| 2017-06 | 2 |  | delinquency 2x band |
| 2017-09 | 3 | delinquency 2x band, delinquency rising | assets shrinking |
| 2017-12 | 4 | charge-offs p90 |  |
| 2018-03 | 6 | assets shrinking, loan book shrinking |  |
| 2018-06 | 5 | losing money | charge-offs p90, loan book shrinking |
| 2018-09 | 6 | loan book shrinking |  |
| 2018-12 | 6 | charge-offs p90 | delinquency rising |
| 2019-03 | 5 |  | charge-offs p90 |
| 2019-06 | 6 | net worth falling |  |
| 2019-09 | 5 |  | net worth falling |
| 2019-12 | 6 | margin squeeze, delinquency rising | assets shrinking |
| 2020-03 | 5 | net worth falling, charge-offs p90 | loan book shrinking, margin squeeze, delinquency rising |
| 2020-06 | 6 | loan book shrinking |  |
| 2020-09 | 7 | thin capital |  |
| 2020-12 | 6 |  | loan book shrinking |
| 2021-03 | 6 | margin squeeze | charge-offs p90 |
| 2021-06 | 8 | capital below 7% |  |
| 2021-09 | 8 |  |  |
| 2021-12 | 10 | charge-offs p90, assets shrinking, loan book shrinking | net worth falling |
| 2022-03 | 8 | members leaving | delinquency 2x band, margin squeeze, charge-offs p90 |
| 2022-06 | 10 | net worth falling, delinquency 2x band |  |
| 2022-09 | 9 |  | loan book shrinking |
| 2022-12 | 7 |  | net worth falling, delinquency 2x band |
| 2023-03 | 6 |  | assets shrinking |
| 2023-06 | 6 | delinquency 2x band | losing money |
| 2023-09 | 7 | delinquency rising |  |
| 2023-12 | 5 |  | capital below 7% |
| 2024-03 | 6 | assets shrinking |  |
| 2024-06 | 6 |  |  |
| 2024-09 | 5 |  | delinquency rising |
| 2024-12 | 6 | delinquency rising, loan book shrinking | thin capital |
| 2025-03 | 6 | losing money | delinquency rising |
| 2025-06 | 5 |  | losing money |
| 2025-09 | 8 | thin capital, losing money, expense trap |  |

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

- 2026-08-12 [Tornado damage Illinois: Cleanup continues amid power outages after at least 5 tornadoes hit Mokena, Monee, Orland Park, more - ABC7 Chicago](https://news.google.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?oc=5) · ABC7 Chicago
- 2026-08-04 [TNA Wrestling Star Mustafa Ali – A Former Homewood, Illinois Police Officer - Previews Iconic Pro Wrestling Event on Sunday, August 23, In Chicago - TNA Wrestling](https://news.google.com/rss/articles/CBMi_gFBVV95cUxOZ0RYaERKMVk5ZWdWUUNPOUoweHZQbE1VX3hiMWptdzNOaUJ1SnJxSjJtd1N3dFVoQ3VmamRNbkNGNzdUTG1qYTVQQV9BWnZHaEtYNE5oX1FsNnlQTTM5SzZadHk2bEw0ejNXYXlwT2xSc1VXZWRPY3NTVU1oQ3l6OFhrY0dRODg0YXZSek5SdURhUzE4QzFvNHlvMXE4Y3JUWUpLbm5uZ1g3QktpNXJCcHBEMWpYWURQRTkzV2R2YXBUcGpPTHo5dXVUVUlVM1dWLTd3SmQ0ZHo2cmJSNGlHMEQ0bXVmVk9Uc0lHUzBRdmNTOGplb25tdlh2UUFUZw?oc=5) · TNA Wrestling
- 2026-06-11 [Credit Union 1 Amphitheatre Offers Discounted Concert Tickets For Tinley Residents | Tinley Park - Patch](https://news.google.com/rss/articles/CBMipgFBVV95cUxPTFlLaml2dm5fTHZNd0lRY3RNS2tJNXdZTkVaMGNISlM3QlJocGc0ZGxSSHU3VEZuaFRDYmhtYktFMHNpZzl4U3lPRUN3LUZSaUIwa01fYk5VRHgxelJnbFI2bVVpZEVuSURiaEJMaTlac001MXY1STZYUlVpeGRfTklEOTh6UzEwNGhjWlBFQ1dQYXVsZHB2dVZzTkhlempXX2dvcVBR?oc=5) · Patch
- 2026-08-12 [Chicago weather today: 3 tornadoes, derecho down trees, cause flooding, damage in Mokena, Crete, Monee, Orland Park, Flossmoor - ABC7 Chicago](https://news.google.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?oc=5) · ABC7 Chicago
- 2026-08-13 [5 Tornadoes Now Confirmed This Week In Illinois - Patch](https://news.google.com/rss/articles/CBMioAFBVV95cUxORGxLMW5WRm1TMmNzei1nNXAtU3ZWWGRBNnMyakk0ZWh4RUllc3hJOU0zUnNXX2pyLWs2VmhCMm1sU1lkaHBoRG9jelNuWXdZWk1DYXBETlByRm5FamdfRkhCeTFHaGt5WXlSc3ZtWDJYdWdmZUJ0RTdBdFM3MEdlUnpLNXZpaWtXVGJsUUUyYnJ4MnZxajM1UFBzQ1l6QUNJ?oc=5) · Patch
- 2024-06-14 [Roy Wehmhoefer Obituary - Homewood, IL - Chicago Tribune](https://news.google.com/rss/articles/CBMie0FVX3lxTE9JTDhlN3NzQlFBUFhQZEwxSVk0RjRLaFJXLWZqdE9COUN3NDB5eXF2bldhTC1KTjhJTWJZNTFHRGVfYkt6TkJ2X3ZibVRibVRNYU5hRjJBVU5hclZXUGVfWUJxOWRpQ2FpUDFDYlo0M185NHIyeUp5VkszUQ?oc=5) · Chicago Tribune
- 2025-12-04 [Previewing the Chicago Elite Classic - Chicago Sun-Times](https://news.google.com/rss/articles/CBMitgFBVV95cUxQU0Z3c0NSMUFpelVVUjkwN010dG02dW9SY2tTUXpNdGdVcHBadTZmQ0RyclRDeVBCYkRvNW5UQ1YxWXV1MXNpT1E5dVYtZDBwRE5Bc3U0M1ZWQTJxcHFWYVRwWEQzTUZNSUktb2NuNXA3RkdhZ0poYVhINTkwNGRsMThnOEljMk03THdyNW1pRWwyQXlQTHlvS0hCaDBYdjVnMnR1c1hOYkM2aldMSG1VRDh0bmRCdw?oc=5) · Chicago Sun-Times
- 2025-06-14 [Beyond the Boardroom: Homewood Suites' Molly Hines - The News-Gazette](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNQVpDMzNEejAzWWJRUHNEbXo1cTdFbXJFV0NLOHhYWU0zS29YTUdSM2hEbzlTSVplbER5bzRsTDdIVUtBS1JIVmlfVXpGWDJ3NlNGNk5kR2FoTUlJMkp2c29xdHNfSXZTRXNLRlpIejd5dzdpNmVGTXB0emNvZ0JaenpmTkpWaHo0TnJrc29nXzlBbG1zS01DQlpPNVE2TFdIQ3JCTzl1YzJ6NlFoVk83WEpPdDlGODJERG9hTjNEeGFWMWFXeWtRaHNzVXVEM0ZUcHpFaHAwNnV2YlZ3U2c?oc=5) · The News-Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24711 (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/7.json (key "24711", 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=24711
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide