# IRON MOUNTAIN KINGSFORD COMMUNITY
KINGSFORD, MI · NCUA charter 5660 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/iron-mountain-kingsford-community-5660

Who the members are: federal charter, community charter, organized 1948. 10,079 members of 26,100 potential (38.6% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $150.4M |
| Members | 10,079 (-1.9% YoY) |
| Full-time staff | 23 |
| Net worth | $26.0M |
| Net worth ratio | 17.3% (p91 of band) |
| ROA (annualized) | 1.57% (p90 of band) |
| Total delinquency | 0.22% (p16 of band) |
| Net charge-offs (annualized) | 0.22% (p36 of band) |
| Loans / shares | 28% (p2 of band) |
| Cash / assets | 73.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.74% (p55 of band) |
| Operating expense / assets | 2.62% (p16 of band) |
| Vehicles % of loans | 37% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 3% |
| Third-party paper % of net worth | 2% (p36 of band) |
| Vehicle delinquency | 0.17% (p18 of band) |
| Vehicle NCO | 0.01% (p16 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 87% |
| Certificates % of member funds | 7% |
| Average share balance | $6,215 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $5,571 |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 25% |
| Average loan balance | $8,696 |
| Loans granted, annualized | $10.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $5,571 outstanding purchased (0.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 3.0% year over year.

## Flags firing in the latest filing

- none

## 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 | 2 | net worth falling, losing money |  |
| 2017-06 | 1 |  | losing money |
| 2017-09 | 1 | delinquency rising | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | net worth falling | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 2 | net worth falling, delinquency rising |  |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 1 |  | net worth falling, delinquency rising |
| 2020-12 | 2 | delinquency rising |  |
| 2021-03 | 2 | net worth falling | delinquency rising |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | net worth falling, losing money, members leaving | margin squeeze |
| 2022-06 | 0 |  | net worth falling, losing money, members leaving |
| 2022-09 | 1 | members leaving |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | members leaving |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2025-12-16 [Full evening planned Thursday for Kingsford Christmas event - - ironmountaindailynews.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxNZm1RU0FyOElHSGN1eUlZZ054TVpYdDhwNWo2VEVma3FMNVVqLVZJZnRwWXR1eG5EUUN5WDZVRDhSQXdUcnlTOHRzZzdjZERNNFlxbjlXVmswQnNGOURWYkl2aG5YdjNUT2JENDhfZ2xBTGdGY1ZDSlh1V1V0eVFUaXc2WFJRUmh3QjZyai15by1ROUhnajhhNWhkVHZIa2xBTUZmdFFuQlVOaVgxb1JKa0RTTGFwanlRenJjM0RDaw?oc=5) · ironmountaindailynews.com
- 2022-01-05 [Manistique Emeralds compete, win in High School Bowl tournament - Pioneer Tribune](https://news.google.com/rss/articles/CBMipgFBVV95cUxPUDVLTnJqYUVKRW5XdVo0TGkxc0VHNzFnbUpONW9kQUM5OWlJMkxMLWk1eDFsVm1uWDEyV1JOV1Y0VVZ3V0E0X0RfNXZmSjFocUhtZm1GT3FFWmtTZG9GakZiaWVCS2J1NTktTG1mWG4tTDhnRlB3N0ZGT2k2em4wM3pJWjFnOVRTVUtFNVE4ZXpFT2hydzNvTHFaQXlRTjdhX0xPS1h3?oc=5) · Pioneer Tribune
- 2022-10-23 [Lucille Villa Obituary (2022) - Crystal Falls, MI - Jacobs Funeral Homes & Crematory - Iron Mountain - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNaXg5OGlBYm5JWXFWVFZXSkhjX3M2dzdrc3psSTBOUGt3N096VmJuTFBuYi03NnRFUDNkZldNYXB3Y1U2ZXR0Z3JhZFZQZFB6M3d6VUJhRVVsazJZZEJHa1V1Mmw3UkpvYmhVa3dLbnZtY1V2aWQ4d3o3R1RZbWFXODNR?oc=5) · legacy.com
- 2018-11-25 [Carney competes in HSB - ehextra.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNc0dTWG4wb3MxaktJZVQ2TGtDZkp6aE5XQWFibDI5bm12NzE0NlFsaWlWcnlCTzIwY1J1VTBsSERYQlJtcDdrdmdyWmZhbHg2eEpYRXBTRXZXcGQtUzdYaEhKQWN4QjhwUVFhMTJ4XzhyTmFmVFdkcEZQWk45TjlrYVQ4enJtcEtCOFM1a2RFLXZiWG5Uc2dTQl90c1c?oc=5) · ehextra.com
- 2025-02-27 [Area Chamber of Commerce has awards night - - ironmountaindailynews.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQdTZ4anByam83UzI0SkpCSEtyaEhsU0NERkNzRjF4bjdpblZBOU16T1RtNHlseFN6ZVE1VDJ4UmVsbmF0elpURTFQQlNQNEdCb21YQVB5d1l6RlN6aE1oZ3ZsWWg3anV0Tlg0ak1WLXY1Q3pRYXQ0bTJ0Ujd0QkhBSHphcFlJekdQYlhaU3JFMWtfMXBvNTRmcw?oc=5) · ironmountaindailynews.com
- 2024-05-17 [Lemonade Day: Kids getting stands ready for Saturday event - - ironmountaindailynews.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxNVE11YUJCS09yM081WjVWeFQxZG9hSVFlSjhDYkRjMWVJdGV6eVhpdVVtdTM5eXNMV2podmtwREJOZFV2blpITzRVUkF5dS0wbWFTV1ROTm1yTlRHVnY2M3BZdmJ4aGw5WjZBMmtrZ01udzR4NjhVbktESmVwbk9ZR203cVFiSE1VbGQ2R0VyMlk5RTlWUkMtclpzR1o0V1JGYjloRk5JT1U4TWZ1TVZaTjNDS24tNGFNeEVDeQ?oc=5) · ironmountaindailynews.com
- 2011-05-14 [Clarence Baker Obituary (2011) - Quinnesec, MI - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQb3BYdzgxNlVsTkM3LWU0N1RpcFNTVmNhTTNqMXh2V0JrOExvcmdkVml4eEd2YTdGR2N3Slg2THR4YllieGtRTjM1Ty1vWkU4WnZ5d2pvWDdYc29SMzJtOWxGZm42MHlLUnNWSXZCdURjcmtzbmNnTDA0VWtmU09pX1JpVURnZw?oc=5) · legacy.com
- 2024-11-09 [Norway student designs poster for Kingsford Christmas celebration - ironmountaindailynews.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxPdERuX2JMZG9ySmMzSUpJdTNOUnlJVVFzNmRjb0pQUVFIMDZTTW9DeFl2VTFhMDFYb3BJMGFOY1I3ZlJSWWV6YlNrR0ZrQUVRV2VmazROS2puZVBRU09PbjVidGtEV2hGTnEzM2dsWl9HMTU4elQ4ZWhQMUxWQ3NWWjR6YWNpbjZIbDFLZ3Btb3VwVUNMbERYM3RPZzI3bzRSOWw1RHQ3ZENQTUJVRXFRYlpPM1ctS3VNLUZpejVPNVB6N2ZLWWtn?oc=5) · ironmountaindailynews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5660 (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/28.json (key "5660", 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=5660
- 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