# AMBRAW
Lawrenceville, IL · NCUA charter 567 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ambraw-567

Who the members are: federal charter, community charter, organized 1935, low-income designated. 2,001 members of 15,400 potential (13.0% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 13.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $16.8M |
| Members | 2,001 (-2.6% YoY) |
| Full-time staff | 4 |
| Net worth | $1.6M |
| Net worth ratio | 9.6% (p14 of band) |
| ROA (annualized) | 0.40% (p41 of band) |
| Total delinquency | 0.49% (p44 of band) |
| Net charge-offs (annualized) | -0.13% (p10 of band) |
| Loans / shares | 16% (p4 of band) |
| Cash / assets | 81.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.42% (p31 of band) |
| Operating expense / assets | 3.62% (p49 of band) |
| Vehicles % of loans | 83% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.59% (p54 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.45% (p96 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 91% |
| Certificates % of member funds | 8% |
| Average share balance | $4,497 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 13% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $9,403 |
| Loans granted, annualized | $533,492 |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 1 |  | 3rd-party paper>100% NW |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 3 | losing money, loan book shrinking |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 | delinquency rising | losing money, loan book shrinking |
| 2017-12 | 3 | losing money |  |
| 2018-03 | 4 | thin capital, net worth falling | losing money |
| 2018-06 | 4 | members leaving | net worth falling |
| 2018-09 | 3 |  | thin capital |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | thin capital, net worth falling | members leaving |
| 2019-09 | 2 | members leaving | thin capital, net worth falling |
| 2019-12 | 1 |  | members leaving |
| 2020-03 | 2 | members leaving |  |
| 2020-06 | 4 | thin capital, net worth falling |  |
| 2020-09 | 4 | delinquency rising, loan book shrinking | members leaving, net worth falling |
| 2020-12 | 5 | members leaving |  |
| 2021-03 | 6 | net worth falling, margin squeeze | members leaving |
| 2021-06 | 3 | members leaving | delinquency rising, loan book shrinking, net worth falling, margin squeeze |
| 2021-09 | 4 | margin squeeze |  |
| 2021-12 | 5 | net worth falling, delinquency rising | margin squeeze |
| 2022-03 | 5 |  |  |
| 2022-06 | 3 |  | members leaving, delinquency rising |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 3 | members leaving |  |
| 2023-03 | 2 |  | members leaving |
| 2023-06 | 4 | delinquency rising, members leaving |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | delinquency rising |
| 2024-03 | 4 | delinquency rising |  |
| 2024-06 | 1 |  | thin capital, members leaving, delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 3 | members leaving, loan book shrinking |  |
| 2025-03 | 4 | net worth falling |  |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 4 | delinquency rising |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 | repo signal | members leaving |

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

- 2025-10-17 [Hayward Martin Seber Obituary Jul 13, 2025 - Emmons Macey and Steffey Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE02T3ctTXNGSDlHVURLLTlPT1F3ejZ3MXhVSzlaOE0ydEVnNnVWMWRMTjNxU0t0NFBRMkMtNGk0MzJGQ05LQkJhbmg3dy1OSHAyZzkycUN1ZTFITE1FQjJmQTZ2MGN6Y1doRFJJ?oc=5) · Emmons Macey and Steffey Funeral Home
- 2021-02-03 [John Eugene Lindsay Obituary Feb 3, 2021 - Goodwine Funeral Homes](https://news.google.com/rss/articles/CBMidkFVX3lxTE40b1U2NVFHT2F3RmdQX3kyM0lna2VWOVF3Q1dqX3h2cThiMnhhWEVpd19wRk8zdnRsMldlV0M1VkNjaUY1dXczZ2l5VTd4QlFueU9iVUowZHAxZ0pDelE1SVRkNVViMDlqV1lJWkNneG9pT0xtM0E?oc=5) · Goodwine Funeral Homes
- 2026-06-21 [Joe Griggs Obituary (2026) - Bridgeport, IL - Cunningham Funeral Home - Bridgeport - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE9KZW1HOXZpU1FJRV9VenY0dWFvd01Pd3NHRTVBNTA2U1U1VmpnVUF2OVhhSzdyMEhzWXRFaGdJME0yQ1ltZ0ZxbEpHSFA5TFhWUWlrSG1OS2xzdkRCUDE0dm4zbFZVNjlPVUpSX1lTc3Q1VEVqVXREam44YllHdw?oc=5) · legacy.com
- 2023-07-16 [Mack Dennis Jackman Obituary Jul 16, 2023 - Emmons Macey and Steffey Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTFBKQ1JpWFVJZ254Qi1rNDBnSnBxNXprQzFuVkZzZzFqOHAzaGlVV3BTVUxHVkNpTjMxTnVLeWtfdHlRREhodXF2aUFxVmRYckJsbFJ2VHV6ZGNuTzRCWkR3T25XZUczVkhCZGc?oc=5) · Emmons Macey and Steffey Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=567 (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/55.json (key "567", 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=567
- 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