# ALTONIZED COMMUNITY
ALTON, IL · NCUA charter 3316 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/altonized-community-3316

Who the members are: federal charter, community charter, organized 1939, low-income designated. 5,595 members of 125,000 potential (4.5% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *ordinary*. 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 | $55.7M |
| Members | 5,595 (-1.8% YoY) |
| Full-time staff | 8 |
| Net worth | $4.6M |
| Net worth ratio | 8.2% (p5 of band) |
| ROA (annualized) | 0.36% (p32 of band) |
| Total delinquency | 0.64% (p51 of band) |
| Net charge-offs (annualized) | -0.08% (p5 of band) |
| Loans / shares | 42% (p17 of band) |
| Cash / assets | 34.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.09% (p20 of band) |
| Operating expense / assets | 3.57% (p50 of band) |
| Vehicles % of loans | 59% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.53% (p48 of band) |
| Vehicle NCO | 0.23% (p51 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 11% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 11% |
| Average share balance | $5,448 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $10,656 |
| Loans granted, annualized | $8.7M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 1 |  | charge-offs p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | delinquency 2x band |
| 2018-03 | 3 | net worth falling, losing money, charge-offs p90 |  |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 1 |  | charge-offs p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | losing money |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, losing money |  |
| 2020-06 | 5 | thin capital, margin squeeze, auto monoline |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 2 |  | net worth falling, losing money, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 5 | capital below 7%, delinquency 2x band |  |
| 2022-03 | 2 |  | capital below 7%, delinquency 2x band |
| 2022-06 | 3 | members leaving |  |
| 2022-09 | 5 | losing money, delinquency rising |  |
| 2022-12 | 3 | assets shrinking | members leaving, losing money, delinquency rising |
| 2023-03 | 5 | delinquency rising, members leaving |  |
| 2023-06 | 3 |  | delinquency rising, members leaving |
| 2023-09 | 5 | delinquency 2x band, delinquency rising |  |
| 2023-12 | 3 |  | delinquency 2x band, delinquency rising |
| 2024-03 | 3 | net worth falling | assets shrinking |
| 2024-06 | 3 | delinquency rising | net worth falling |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | auto monoline |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-09-04 [Altonized Community Federal Credit Union Male Athlete Of Month: Holoman Leads Ground Attack In Piasa Birds Shutout Win - RiverBender.com](https://news.google.com/rss/articles/CBMi_AFBVV95cUxPSEVpMEl4TjV4dm9DemVkQ3pZR3B1cmhvVllBeGx0N1pUNVpIcl9LaWN2Sk5aNHBnMnQ1SmJUUDFwZWgzckVlbTh5UTdGZFEwdjRraDgzUEM2TnFDTDJ1UzBTU0tXQXczMnVTT2xFZC05b0NoZnVJRDFSWEhYS2xSX3NhaHRTbVZ3Z2ZENkVMZFU3Qnh4U2pzMmdabVYzQU94VE1STkphdWpKSHVEV3RBVGtKSlcxWW5KWlQ1VXprdEJuTW1vbjJJSGxGdzZMX2dPLUpzOUpKenJHTWw4Q0xXOTJaX2QweHNzd3VhRUw0dWpVVW13RTUxV0ZLdEg?oc=5) · RiverBender.com
- 2026-09-03 [Altonized Community Federal Credit Union Male Athlete Of Month: Three-Sport Standout Carter Watson Leads Southwestern Offense - RiverBender.com](https://news.google.com/rss/articles/CBMihAJBVV95cUxOT2hRZF82LVVyRDZVbDFYNlVZdFRpaU8waE5xSE5iY0d2QjNkUEU3bzhyVzJLQ05mR2k1SEl3VVRLcklxSVRWWEZ0UkNmbjdpTS0wb19PTHk5THdkQ0xaRk9naFp6MXlGOTFUTGN5c1BJUnU4WFBGN3djNTc2S3VwUDJXOW1rbEdjR3BieVNhTVVTaDRYWkdNOGFHMGJNMklxZjdTeWRPcTJEd0k2OGN1YW41VFRoNEd1RElOZnV2MTl3Q3p4cVBoY1Y4RjJYVlRiREZfbGo1bFZuRmEwTi1rVk50WlFFcXZKamVCMkJyck84QlIxYmVlSFgzRTlYc1JIN0RQZA?oc=5) · RiverBender.com
- 2026-09-03 [Altonized Community Federal Credit Union Female Athlete Of The Month: Briann Anderson Is A Key For Southwestern Volleyball Up Front - RiverBender.com](https://news.google.com/rss/articles/CBMijgJBVV95cUxPUkNuXzMzRFVYNllfeGpTRll6a3ZMZW5mWUVseWN1NWhxS0IzZFh0LWZfdk00WTY5R1J4c1BRR0t3eVk1elVDZ182eWotbkN1b3FZUFpaSDZjLVU2UnVzdUlobWV5ZkFkQW90Vm9mN0hxYjJiRWN6T29EcUhvTldoUVgzbzBBNUt6eWtHZ0RnS3MzeDNabUJXZlZxR0lpN1ZhSW1pWlFkTTRmUnp5bnRzM1ZndFFlcmJ2eGJYS2Z6WHBZQ1dibWZBOGdzdDgySmEtZU5GUTktNDZiWTBmNWpXZWR0ZHBKakNxSTVKWFpiSU5ZcGZLcGw0bmpndFJNbFZBWC1PMVlTMlA4RUh2d2c?oc=5) · RiverBender.com
- 2022-10-14 [October small business award given to credit union rich in local history - Illinois Business Journal](https://news.google.com/rss/articles/CBMirwFBVV95cUxNeXplbkViN2t3ZXRCbG9qSERRNWJtV3dxX3lQMm5vakcwRnQ4WEhtMFZaRkVfYUJSMjhZc1lfaTRtOXFtX3dyczFXVlBGbVBzWTFZdGNud3pULXN0V1BtUEpjVlFEem1UMlR2WlVVNjY3bW9zRFN2VnByNlIzWThVX2VhNllpT0x6bjZMTmRjUDIwSXVITHpvS0FMZnlFeDlQLXFUR2g0REtZMmEzMGlz?oc=5) · Illinois Business Journal
- 2019-01-04 [Altonized Community Federal Credit Union opening Brighton branch - Alton Telegraph](https://news.google.com/rss/articles/CBMipgFBVV95cUxPT2pmMXN6VFNndnlGQ1UteXlvNlk3MDQzeXVDVXYwOXNRVnV0aUM5TUxrWjBfMldnb1ZPYU5Ec09xc2dHcktVQk5lMFVObUZ5aTBhTkgzWVNaQVkzM1lhQUNMeC1ZM0dPQWNkQXB2LW9HclRTYTVlaDhEWTRlYzNpWGFaMmtaLWxxbUg4eS13UnBhUkw4R2pHRTY2Z3BLa0hwNWZoMUN3?oc=5) · Alton Telegraph
- 2026-06-02 [Altonized Community Federal Credit Union Female Athlete Of The Month: Soccer Player Madelyn Gordon Commits To Simpson College - RiverBender.com](https://news.google.com/rss/articles/CBMilAJBVV95cUxPNHRyeUlldVFJdWVfWFZSdld3WktJNE9pMmhtWDhRNmV5NkNON2xYSnF0clE4dFhLaUJSY0owWVhDUkFEMjhQS2hfTU95VERWb1laU04tSTBWMkFGZHpSRlpPc0RrQTN2QU5NNjZyclJYQmhTZGJJLTlxN1hfc0NGWW1EYkdHaTlXV1hoTTRfNlRpMzdTeXB2bjI3TUlUVzVFQ2R1eTFZT1ZBUjNCOGZQbGtuOHBhc2NhTmxJTUMtQWoxeUNXYlZhX1lybExoMUlyQUNCMFdSdGszeC1fYkdXQi1Ud1NIbDZpUk9JdTNvRVZ4aS1WZFhkQU5fZk5fZE92MXZMQkFueXNaZ3JGRTJ5WmVwWEE?oc=5) · RiverBender.com
- 2022-10-13 [Credit union earns small buxiness honor - Alton Telegraph](https://news.google.com/rss/articles/CBMimgFBVV95cUxNenBIUVZrVzVHZnBPclQ0NGRqQzlCMWc4ajdtTlBXUXRGNVMwZi1La3ZEeFRBanFWcTFzRlNDUUtjazRLalZ2UDFYcXVsRGI3U2J2OWlpWV81ZkxEczRzM01iU3JtUzd2TzJfUVpBVWJnZmpiaUk1SmRJM09EakdFNHNIT3ZVX1h5MU96VFpuXzhNTTBWVVA3ZWZB?oc=5) · Alton Telegraph
- 2026-04-07 [Altonized Community Federal Credit Union Male Athlete Of Month: Alex Spangler Combines Baseball Passion With Nursing Ambitions - RiverBender.com](https://news.google.com/rss/articles/CBMihAJBVV95cUxOQkNiVF80U21EaXlkeGRzWk9BMTBtRGwySHZaM2Zsck0tb3RyTlBZckRJQUt0blNHdkpscTE1akY5SE9sT0JpajVLVHhhNFBXSFJ3c1ZDSmVzV0EzcHlLSllvbEs2aUdYOVpwd2hFTXpNeGM4Z3l4dzFjZDNwcGVBN09xVF9LVUFuRHpNZkxyaVAwb1podDRQc0JuNnYyQk5BXzFnWUFpYjh0VFdRRl9KNDY1RDlLVVRITUJwU1UxbnNYS1dCU2ZodmM4OUZldnFaT293N0hxTHFEX1JSSVRSdE43Y181OGp3azNNaHMtTWt0Z3daRUtidkxHd2dTTzBDdmptXw?oc=5) · RiverBender.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3316 (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/52.json (key "3316", 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=3316
- 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