# ENCORE
DES PLAINES, IL · NCUA charter 5590 · asset band <$50M · latest filing 2017-06 · stopped filing after 2017-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/encore-5590

Who the members are: federal charter, service (single sponsor), organized 1947. 1,809 members of 6,500 potential (27.8% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *too clean*. 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 | $32.9M |
| Members | 1,809 (-4.4% YoY) |
| Full-time staff | 2 |
| Net worth | $4.6M |
| Net worth ratio | 13.9% (p60 of band) |
| ROA (annualized) | -6.41% (p1 of band) |
| Total delinquency | 0.10% (p18 of band) |
| Net charge-offs (annualized) | 0.38% (p62 of band) |
| Loans / shares | 19% (p5 of band) |
| Cash / assets | 16.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | -5.16% (p0 of band) |
| Operating expense / assets | 1.32% (p5 of band) |
| Vehicles % of loans | 60% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.17% (p35 of band) |
| Vehicle NCO | 0.00% (p28 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 10% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $15,559 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $8,287 |
| Loans granted, annualized | $3.3M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | assets shrinking, members leaving, loan book shrinking |  |
| 2017-06 | 5 | losing money, margin squeeze, delinquency rising | loan book shrinking |

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

- 2026-09-04 [Hayley Williams Kicks Off “The Hayley Williams Show” in West Palm Beach: Setlist + Videos - Consequence of Sound](https://news.google.com/rss/articles/CBMinAFBVV95cUxPQWhzY0pGQmsxbEpTTk02OURJZU55dkV6VGliYzZDcDNoZmV4MVZ3aTNkLU12Q2NPM0piQ1lGSlhSOUd6VDhMeU1QVi1XbVpmYUtFSV9jb3JFYVg2QlRTUzJjcE1Qb1pKRFhzWlE0ZmprM2pjajNtVzZYbXlMUFlQZDVCdmpqWVhkWnNldm5tUThTUFp0WUJmWTRTQV8?oc=5) · Consequence of Sound
- 2026-07-28 [Avenged Sevenfold Setlist: What to Expect from 2026 Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFAtY04yd2NldDhsemEzQ29ZeUJUXzhCWjRsY18yc3NiX0tmb3QydlRyMHJuUWtxTTYwbmExaUFYZVNHNk5xc3RReVZqYXR2YXhNdDZhOEMtU25qd1pKVWNzTk1ILUFHalk?oc=5) · Ticketmaster Blog
- 2026-03-23 [Wu-Tang Clan Announce Encore of The Final Chamber Tour - Knotfest](https://news.google.com/rss/articles/CBMijwFBVV95cUxOWWNBX05aa1dEc2lVUjhSMVpTLVExaWFtVE45ZlRHc1FLYlMxbEFOLTRMdWM5V0xXQmlWdHB3Vl9XS1AzdUNXSmx4RGhONmgxajNvMjRqU2FGcjJaUzNsZUd3NEFJSTZOa2ZFc21HYXl5OUpHYjVvandQSnFQT04tSkZydkFrQWFLS21TSnJITQ?oc=5) · Knotfest
- 2026-03-23 [Wu-Tang Clan announce final tour "encore" with Bone Thugs-N-Harmony - BrooklynVegan](https://news.google.com/rss/articles/CBMinAFBVV95cUxPRlpiSjlqUzhmbUgzbEFYWldWU0pQYmp3QlExam5sRWtPU0NIZTE0QmV5MGFiTnM3UWRkVHpuWks4SVdHb0twVHNkaGRpX0tjT212WjZVOTJsLVhOanFVak1pc3FVMVV3REhqOGd5bUJiTzV1SFNaN2hvd05YVF9XOFNfRlQ1QVdkbUFhSEtuTW8xZVk3TkRwaWpyeVo?oc=5) · BrooklynVegan
- 2026-03-26 [‘Wu-Tang Forever: The Final Chamber’ tour — How to get tickets, presale times, concert dates and more - Yahoo](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQc2FQdTlXMFNqcnA4TVFrcl9mQnlNU2NFUVNHeTZHZkxzV3RKQ2xJZDJEbXotZExqWnhmYXdUYl9MUDV6SVB3N2YxZi1NVWY2T0pLZVVKcTZEcVRrMm9FT2hZUWFYSHBtTTN6V0hCVHhYUmJVTVN2X2VwZGNsOWZHLW43US0yNU1kMWh1czNPR1d5VUZjUV9TMEJvdGNhcDBkbjJCUERERURWc25fVFJVdndqSFhVemZOWkVxY0d3UUxsMS1MWHJoaEktM3V3NkEtTjdNMXp2Z202emdxRE1yVmVXcV9uNHl6aGZDenIwYnlLZw?oc=5) · Yahoo
- 2026-07-27 [Guns N’ Roses Setlist: What to Expect From the World Tour 2026 - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5RTW9pTXNzUnFrTXY2b09PWmRzX3AtdExYbGdZcnlEeTNsR1JBdnVDQWx0Ykk3SFQ4TGVaTFZXTGg3UVZaQi1NVjJyMy1ka0RDdkVpT3Zmb3FsRzJuWkh0Ng?oc=5) · Ticketmaster Blog
- 2026-03-24 [Wu-Tang Clan announces ‘The Final Chamber Tour,’ two NY shows. Get tickets - New York Post](https://news.google.com/rss/articles/CBMiowFBVV95cUxPX3IzcGRvU29jcGwxSmx6bnRHcVJVWUpScDl3ZFpIeUt0dkRneDJUd2s3Mm92SHRNcHBqSHowMFNHSmYwRGE3R0JyTklzR2huaFVqbFFHa1BsNjFybDBpUF9FRmVNaHBiTi14YUtia3g0VVJwWElUR1phc1ZFaVhocERXR3pCdVQ4WFhQMWZWMnVjZkpLcXpvN2hnclRhQU9jX2pj?oc=5) · New York Post
- 2021-06-18 [Michigan credit union aims to buy Florida bank in year’s 5th such tie-up - Banking Dive](https://news.google.com/rss/articles/CBMisgFBVV95cUxOSTNQMk9wSW9JWGZfbFFIUEdET1RsblR1NGM1V3J4dmRzRWF1MjMwSXNVVWlXTkRKOTVmQnJnNk82LUJMa1RYbEdJVG9QOUl6MWFRVi1Rdy1EZDEzcHhTbmNnNnF4cHJpX2pnYkxCVDFkQThsdTRmNmhpVzFZTGE3Zy1xbUVIbkctVzlqZ1BjV29ueHN3cVUxVkRKMzVPaEpWbTA0dThCbmM2emFSYmtlZTd3?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5590 (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/22.json (key "5590", 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=5590
- 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