# COMMUNITY PLUS
Rantoul, IL · NCUA charter 24751 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-plus-24751

Who the members are: federal charter, community charter, organized 1943, low-income designated. 3,596 members of 236,072 potential (1.5% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $27.8M |
| Members | 3,596 (-0.9% YoY) |
| Full-time staff | 8 |
| Net worth | $5.0M |
| Net worth ratio | 18.1% (p67 of band) |
| ROA (annualized) | 2.32% (p95 of band) |
| Total delinquency | 0.20% (p31 of band) |
| Net charge-offs (annualized) | 1.13% (p87 of band) |
| Loans / shares | 94% (p94 of band) |
| Cash / assets | 20.2% |
| Borrowings / assets | 1.83% |
| Net interest margin | 5.58% (p93 of band) |
| Operating expense / assets | 5.00% (p78 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 | 0.27% (p43 of band) |
| Vehicle NCO | 1.61% (p91 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 13% |
| Average share balance | $3,936 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $13,732 |
| Loans granted, annualized | $8.2M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, losing money |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 4 | net worth falling, repo signal |  |
| 2017-03 | 6 | capital below 7%, delinquency rising | repo signal |
| 2017-06 | 5 | expense trap, assets shrinking, members leaving | net worth falling, capital below 7%, delinquency rising |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 | auto monoline | losing money |
| 2018-03 | 4 |  | expense trap |
| 2018-06 | 4 | delinquency rising | assets shrinking |
| 2018-09 | 4 |  |  |
| 2018-12 | 5 | net worth falling |  |
| 2019-03 | 4 |  | net worth falling |
| 2019-06 | 4 |  |  |
| 2019-09 | 5 | delinquency 2x band |  |
| 2019-12 | 2 |  | members leaving, delinquency rising, delinquency 2x band |
| 2020-03 | 3 | losing money |  |
| 2020-06 | 6 | net worth falling, margin squeeze, loan book shrinking |  |
| 2020-09 | 5 |  | net worth falling |
| 2020-12 | 4 |  | loan book shrinking |
| 2021-03 | 7 | capital below 7%, net worth falling |  |
| 2021-06 | 6 |  | net worth falling |
| 2021-09 | 3 |  | losing money, capital below 7% |
| 2021-12 | 2 |  | thin capital |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | loans>95% of shares, leaning on borrowings | auto monoline |
| 2023-12 | 2 | net worth falling, auto monoline | loans>95% of shares, leaning on borrowings |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 4 | members leaving |  |
| 2024-09 | 4 | loans>95% of shares | net worth falling |
| 2024-12 | 4 |  |  |
| 2025-03 | 5 | net worth falling |  |
| 2025-06 | 2 |  | delinquency rising, members leaving, net worth falling |
| 2025-09 | 3 | delinquency rising |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 1 |  | loans>95% of shares, delinquency rising |

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

- 2024-09-12 [10 Most Respected Credit Unions in Illinois for 2024 - CardRates.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPSHExRmFPOVhlMnFWbTJlalZzQ1EyNm9NbHVoS1U3emFjcEJCc2s3MVZEbVdsbVQ4Xzd6X2l2SlBZcWNHUFhYbmZSRWkwQ3JwSEVnOTVXRlFXcktidDN4emdzSHhnVkhaMFFYUXh6VVV3Y003b29qV29RS3Z3OWlRclVmcW83dXZMaDVqRm9HQQ?oc=5) · CardRates.com
- 2025-09-09 [Alloya Elects Two New Board Members At Annual Meeting - cutoday.info](https://news.google.com/rss/articles/CBMilAFBVV95cUxPWC14YlJ6S3VndWIzcFhiY3RSV1gtQjZJRGtRMUpBLThWYnJpZEVkMzhIMk5xX3B1WEZpdHdTXzFIaHh6MnBlc09nTkVYUWtsNlpvNUM2T1JMblhZbkgtODktZzhPSUZlaUZFNEFTN1BDamwxdkpzRHhvTVFUQzJTNzdFaUM5ZE5LUFJiUDg5Smk1aHc0?oc=5) · cutoday.info
- 2026-03-10 [Option 3: Lower-Cost Loans - New America](https://news.google.com/rss/articles/CBMivAFBVV95cUxOZ0tfVFJCaU5qdlpicDlzdkhpeE1PaGpoYllTYnpaSnZZN0R0S3pIMlNDVFVLNjhOdXB2QkR6aHN6TzBfNS1ydDlGMHVyQXM1cUNoTzg0SHBPX1BGTWZHajAxaU8wLUtzRmlHQ0xRVUg4YmFDVVlfUkNhZ2NzbUpJejVVTEkydm5zLV9LV3NHTy1wemljclRfRUxERmR6QUN1TDdBN205RnNCUnA0eUdEX0FuLXo4VDlkSHAzRA?oc=5) · New America
- 2025-05-04 [John Reale Obituary Dec 16, 2023 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1WVXZFV3dRY0tkR1NqZkxMZ3hVRzVyUkp0aU1pSUZZQnZLU0hxV2RqdkVKRUFXMU5MNEFxVnpZcFBiYnFIN1QxVXdxem8yTDkyVGRwcHh0UUE0Sjg2ZlhVdw?oc=5) · Sunset Funeral Home and Cremation Center
- 2026-04-01 [Community Development Financial Institutions: What and Where They Are - NerdWallet](https://news.google.com/rss/articles/CBMingFBVV95cUxQeHIyZG5ZOXZPZHZjbWN1V3RPM3BfU2JfbnZqT01YenRjblFSYkJveHhWY29yaXlHeVpBd25ZV1dSZDdkZWhyVzVBbGtSYVIwaWhIbDUxXzVmZlNwc1VGMzk1YU5ZZDFpYndFWDliZVkxNnhGcjNzYnROeFNGLUstY0pQMlNPcHJQWUw5X0xvNFI2dGhmSXgyZ05GNEhBUQ?oc=5) · NerdWallet
- 2007-03-12 [Central District of Illinois - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMiowFBVV95cUxNVlIwQk8zWWRCeXc0cFRnU3FMeGVnWnZOZncwY2xBTVlBSmhOWFB3UmQzM2E1SThyWGlzS0NESGxWczNNeUdfV2pRRDB4LXFHb2JVeFpYZWZYaHYzdmFYSjN1UlVmTnpTMlVmd3dPSlFRSjdlemtialZnQkVpaVcxSVQza3otMnFXMVZEd2x0Ujg4UnB4Vkhrbmx2RXY2TzRseXkw?oc=5) · Department of Justice (.gov)
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24751 (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/47.json (key "24751", 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=24751
- 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