# ZIEGLER
BLOOMINGTON, MN · NCUA charter 5781 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ziegler-5781

Who the members are: federal charter, manufacturing (single sponsor), organized 1948. 683 members of 2,854 potential (23.9% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 28.

**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 | $4.3M |
| Members | 683 (-4.6% YoY) |
| Full-time staff | 0 |
| Net worth | $1.1M |
| Net worth ratio | 26.9% (p90 of band) |
| ROA (annualized) | 2.08% (p94 of band) |
| Total delinquency | 0.63% (p49 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 75% (p73 of band) |
| Cash / assets | 45.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.71% (p43 of band) |
| Operating expense / assets | 1.64% (p6 of band) |
| Vehicles % of loans | 81% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.74% (p58 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $4,333 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $12,179 |
| Loans granted, annualized | $710,728 |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | assets shrinking |  |
| 2017-09 | 1 |  | assets shrinking |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | members leaving |  |
| 2018-09 | 2 | loan book shrinking | members leaving |
| 2018-12 | 3 | delinquency 2x band, delinquency rising | loan book shrinking |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | delinquency 2x band |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 3 | net worth falling, margin squeeze |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | auto monoline |
| 2021-03 | 4 | losing money, members leaving |  |
| 2021-06 | 3 | loan book shrinking | net worth falling, losing money |
| 2021-09 | 2 |  | loan book shrinking |
| 2021-12 | 3 | auto monoline |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | assets shrinking |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | members leaving |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | delinquency rising |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 | members leaving | delinquency rising |
| 2026-03 | 4 | loan book shrinking |  |

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

- 2015-04-28 [FBI: Y-12 Federal Credit Union CEO at center of robbery, kidnapping, extortion plot - WATE 6 On Your Side](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPeF9JX1ZieEhNdHprLWtRRzBpWmVobVBNVEJ5X1RlTmFFZGlscmlSY3NwSTYxamhPUlozMFBRc3lVQmYtYnVlTml6TTRxWkJlNTY2OW1UbFFyUnRULVFIUzVCT0JrbU9kdFNxSV9KYldwRUlvblYxWUFmTmU3LXFDOC1sRU1vRUVzTmpMODRGX05lOWtQaEFPRGZpUE5lNHljazdZYVdCVF8yY3PSAbABQVVfeXFMTzBrWDhzaU1Bb2IzQVp6RXE5VTYtTFNfRmpkRDZpLXk3c3I4NGoxLURPeWZXOTJjRHFMaGxhLWhnWWY1VnVUcE80WHhCMVZ5cXlnZTlrTXYxTktKRTlBSUZlRFBoRmZfZm40Vm1IT2ZVY1VvUl9kSHdiR0RQUndnMTR2a2swRU9PY1lKS041TWFxeFlsaDBSSmV2dGlyU1ZjTnNFSXdoOUxJSHl1MS1SSnc?oc=5) · WATE 6 On Your Side
- 2021-02-15 [Mid Minnesota Federal Credit Union announces staff restructuring, promotions - Detroit Lakes Tribune](https://news.google.com/rss/articles/CBMirwFBVV95cUxOR2tlenNqRmhEa1hEcDQwSi1QbXdmZ3lnSWRKcGJtR0c3SDZFbnoyX01uaXFBS3pQMThIS2NrT3ZEU2pnLXRyV0c1WTNheW9XeXNVN0NVcko3YnExWTMwVEtnNngtSVdHSTFoYk5iRk5zbjNuV3hEMzVPR3p1SHc2elVrem1xTkJYV3Q4Y3dTTk1JQTRCZUxzaHowbmctMUNmdkpucm00S2VhblBOX2ln?oc=5) · Detroit Lakes Tribune
- 2022-04-05 [Mavis Fahrlander Jones Obituary Apr 5, 2022 - Korsmo Funeral Service](https://news.google.com/rss/articles/CBMiekFVX3lxTE1tUXhOanlzZ3BZTGRwQ0ZPLXZwTUZubjZqTWcwSjZxaWtpY0VKellLUnJYTTQyR1hPVWkyaG9yR00zNXllTVNzTXpkOWQtYnNFVGZBRFBQeEx0dWJrUHNubnRvbE02dXFxV3VyQy03TVpYdjN6MTYtUlZB?oc=5) · Korsmo Funeral Service
- 2026-06-10 [Lawrence J. Ziegler | Obituaries - presspubs.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNcnpUeVJXNEp4bEphd3dvZkp0R19Wckx6dmswVnVmWDBfWTN4WV84R3gxdmRmQzRWRU1PRElFSUFJbUJ5anZJdWJZMWhXM2hCSXM5OUlIMzh5akN4X2NvdVFsZUZfVHMxU3J6Zy14akNUd2F1ZkU3ZTQ3VWFobGtJTGZQRzRXcjlyRGRhZDk0QUE5Vm5KRXkyR0MwY0JTLVctb0pIS0RoMVA?oc=5) · presspubs.com
- 2014-08-19 [Frederick L. Ziegler Obituary Aug 19, 2014 - ueckerwitt.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE8xaDhhTGlGaThNQjl4TWhIS294ckliZm5YV1R3T3dIRU9wMFdTRGdsR0ZzekdVQnJvTXVCM1YtSlRvdnRJNWZUWjNiZHpadmhaSjZTX0JDdVEzY3R2bnpXRzh4M2NKZkVr?oc=5) · ueckerwitt.com
- 2019-11-20 [Two 23 Buys Ziegler Candy Building - Urban Milwaukee](https://news.google.com/rss/articles/CBMigAFBVV95cUxPSXhwRHROanBpRUx0cFk5LVN5aEJyWk8tVmFneUVHeHhKZkFkR3dBaVdIdEpJRWRPMGhOMWdpZWw0UXNDUFRMTmRRYW9OT05PYVViTHoxUmVheUtjdTVkZk1KVnZaM28zMlBzQzg2WjdHWFhLdHVFbHdWTl82bW9zcA?oc=5) · Urban Milwaukee
- 2015-07-07 [FBI investigating kidnapping of SmartBank executive, family in Tennessee - CBS News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQaTNyc0VKVVR0cHV5Y1NzUEdwZWd6NnMxamRtQk1yWXFSZy1wZzREc0Z0V0Uxb1hXa2ljVm1ndVc2cnREZFkzS1JaUFo0TU1DUzR1SDBOM0xVbzZKbFlwNGNXZjk5bUhfX0J6UWlnZFN3dE9ENDJQR0FVdzBPNjhiazRDRXBhYWJRbWFn0gGQAUFVX3lxTE10dVo0bTRoZGVvZVVQRjFOVUNnb3piUDF2MEVFbVEtREV2eTJVVWRtUElXam55TmVjNjJqN003bXdKWTFZOTd2Uk5GUk84NFNVTmtwbDYyamhDY1htWVhUYm42VWpSX3Y1X0sxLWhXQTFKMkRIWjE2M29La2x5Y3YwVXg2QzNBRE9vMjVidlR4TQ?oc=5) · CBS News
- 2024-10-07 [Shelley Bernard Obituary Oct 7, 2024 - Amundson Funeral and Cremation Service](https://news.google.com/rss/articles/CBMib0FVX3lxTE9DRWRlZ3VPSnNRQ1BobUdCcHRodnVxQmtqOTFkS3RxWDE0S0xabFRMQkxOTGtsYWg5cXN4eFgyM3E3RDY5UzBaVlVNaUNZdGhUN3c0aFM5azJVOENCU1V1Tkdzdk9maHJVWVZBdFhEZw?oc=5) · Amundson Funeral and Cremation Service

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5781 (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/21.json (key "5781", 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=5781
- 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