# VICINITY
Chicago, IL · NCUA charter 60041 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/vicinity-60041

Who the members are: state charter, organized 1931, low-income designated, minority depository institution. 17,576 members of 3,000,000 potential (0.6% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 302.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $201.2M |
| Members | 17,576 (-7.1% YoY) |
| Full-time staff | 44 |
| Net worth | $16.9M |
| Net worth ratio | 8.4% (p5 of band) |
| ROA (annualized) | -0.26% (p3 of band) |
| Total delinquency | 0.42% (p32 of band) |
| Net charge-offs (annualized) | 0.68% (p76 of band) |
| Loans / shares | 48% (p5 of band) |
| Cash / assets | 11.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.96% (p16 of band) |
| Operating expense / assets | 3.79% (p54 of band) |
| Vehicles % of loans | 32% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 34% |
| Third-party paper % of net worth | 146% (p71 of band) |
| Vehicle delinquency | 0.77% (p64 of band) |
| Vehicle NCO | 2.65% (p94 of band) |
| Repossessed % of vehicle book | 0.01% (p53 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 89% |
| Certificates % of member funds | 2% |
| Average share balance | $6,655 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $17.1M |
| Loans outstanding per 100 members | 302% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $1,715 |
| Loans granted, annualized | $2.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $17.1M outstanding purchased (101.5% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -7.5% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling, members leaving | 3rd-party paper>100% NW |
| 2017-06 | 2 |  |  |
| 2017-09 | 0 |  | net worth falling, members leaving |
| 2017-12 | 2 | charge-offs p90, 3rd-party paper>100% NW |  |
| 2018-03 | 2 | delinquency rising | charge-offs p90 |
| 2018-06 | 2 | net worth falling | delinquency rising |
| 2018-09 | 3 | leaning on borrowings |  |
| 2018-12 | 4 | delinquency 2x band |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 5 | delinquency rising |  |
| 2019-09 | 4 | thin capital | delinquency 2x band, delinquency rising |
| 2019-12 | 3 |  | net worth falling |
| 2020-03 | 5 | losing money, charge-offs p90 |  |
| 2020-06 | 6 | net worth falling, delinquency 2x band | leaning on borrowings |
| 2020-09 | 6 | loan book shrinking | net worth falling |
| 2020-12 | 5 |  | losing money |
| 2021-03 | 6 | net worth falling, margin squeeze | charge-offs p90 |
| 2021-06 | 4 |  | delinquency 2x band, net worth falling |
| 2021-09 | 3 | delinquency 2x band | loan book shrinking, margin squeeze |
| 2021-12 | 2 |  | delinquency 2x band |
| 2022-03 | 3 | delinquency 2x band |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 5 | delinquency rising, leaning on borrowings |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 6 | charge-offs p90 |  |
| 2023-09 | 5 |  | delinquency rising |
| 2023-12 | 7 | losing money, assets shrinking |  |
| 2024-03 | 8 | net worth falling, loan book shrinking | assets shrinking |
| 2024-06 | 7 | members leaving | losing money, net worth falling |
| 2024-09 | 7 |  |  |
| 2024-12 | 9 | losing money, assets shrinking |  |
| 2025-03 | 9 |  |  |
| 2025-06 | 9 |  |  |
| 2025-09 | 6 |  | thin capital, leaning on borrowings, members leaving |
| 2025-12 | 7 | thin capital, expense trap | delinquency 2x band |
| 2026-03 | 7 | net worth falling, members leaving | charge-offs p90, expense trap |

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

- 2026-02-25 [Barnes & Noble to reopen at Old Orchard shopping center; Hyde Park location coming soon - CBS News](https://news.google.com/rss/articles/CBMilgFBVV95cUxOejVENGdaa2wwUVAzV0EwdEhiVDk5aFphVWxCa0VpOGFYVUxISnY5YWNvcVRrMGVVNUlUNmhxbDd0RUhoMlUwbjJFbExZdG5jVUxaeEh4MlhnbmFKVjhhQTk5UGJmX1h3NHZQdGxtN1hFZXdydDBwSmlucU1XYzFOZGhYQjV1Z3E0cklhSzJNSEF1aWJubUHSAZsBQVVfeXFMT2tNN0RrYU9Dek1UbnB2M05WQXE0ZWlMbndINGFTUnYtTmotUUtUdGhzUTZoUWt0MlcyTmJ1YlRFUmZOellFakZBZHhBZWpHUHUwSUFLNDVHclYyU0RwTkd0MUltNE5CREQ1S2k4bzM3LV9wRXhqWDRHMzlsSTVvcHBWb19LUzRmam5pQ21rcmJSREVaZzh1RUNJWEE?oc=5) · CBS News
- 2025-10-09 [Barnes & Noble to open new Hyde Park store in February - Hyde Park Herald](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOX2gzSkNFeDJ5U2xqX1VLZTNya3g3cUNjaURGQ2JvSGhURGk1UkNMa1ZNZ0xQdVhlSHdTZDBJRHNrQTVNMjRRdTROSGdwY2UwVm1zOEV0cWNiVmlKWWJmTE8xSXd2SXlDOS1HOTVfUEVqUFZXV1psQm1Dbm1tUVlHZ0tiSUowLU1KUEVWQVpZUmtpbjdQaTkyb0JVOGNHRHdFVGRIYjRISlBUcXJzRktzc1pMX01HZDVaZEVGckF1OXdxRWVTdnpfQjh0Y0xhbnNPVjRBZzBnQ0djQQ?oc=5) · Hyde Park Herald
- 2024-10-19 [Member bulletin for October 18, 2024 - CTU - Chicago Teachers Union](https://news.google.com/rss/articles/CBMid0FVX3lxTE0tdDJXLWZZVXNpd0ljdjJTY0dZaW85MHlsYXVEa3dsOXA2MkZqWWo1Y2pQdjdlNnRkTWVnYXVwaFRMdHNYdU16blI1am1MOUxEakJIVXQzZkQtNGJfYm1OQnhuRVd2LThWdnJMVjZaUjg4cG83eUln?oc=5) · CTU - Chicago Teachers Union
- 2024-06-14 [Edwardsville postpones action on allowing tobacco store to add drive-through - Alton Telegraph](https://news.google.com/rss/articles/CBMilwFBVV95cUxPbV9xOVJmNy1DVmF0TUVCbHpCQ0IyTm9yZzZQUk5FNFA0UFBIUzBnM2JmRXlBS25NdGhObVd2bEZqSlU5alR0cEQxVnU1OTRzUXF6RW8wcGwwRFI0OGY1Z1VTdmJSWnBLT0Z4QzhiU3VJU29TQ2ZzZElnN3c5ZGhRbUo3RFpYcFRnQ0xZYXB4dVpxY3BNeVVn?oc=5) · Alton Telegraph
- 2024-10-13 [Member bulletin for Oct. 13, 2024 - CTU - Chicago Teachers Union](https://news.google.com/rss/articles/CBMickFVX3lxTE9vMkk0RlNNcWhsN2dCcFBSVlZndmF6a2drTUYwX1gxOUtlTVdWYld3YXdYX3BmNDJHSWs1TmppVVpNajFndFBjcXRDRGs3bHNOZmwyNVpGaXpocVhKS0dNR3hBb0FoVktEcHo0VGNwWW1Xdw?oc=5) · CTU - Chicago Teachers Union
- 2025-08-14 [Junior H adds Denver date to US arena tour - 9News](https://news.google.com/rss/articles/CBMizAFBVV95cUxObGNNUVQ2eUJCcUF4bGg3b0dsV3NzcHRNeTMxbUladVlfbXdXRzYwSkxpV3dtRDFLc3dIQ2RNd2R5aFE5cElPeVB3RzA0ZFFGQ1FadmpNTGxVOTFwN3Brb3RpcmctOTBQVnM5OGg4anhoVFV4TXVOY2ZUX0JpLW1yN3BPSE96cUVzZ3RWTkIwVHZGbjY2bFdwZnN2dFFVNTFpUmVYNFVQTU9pdlpSZDFDblJITERNWTJPb0h4Zl9yd3poU3A2V1pXQVlhdXc?oc=5) · 9News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60041 (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/9.json (key "60041", 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=60041
- 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