# OMNI COMMUNITY
Battle Creek, MI · NCUA charter 60105 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/omni-community-60105

Who the members are: state charter, organized 1952, low-income designated. 47,012 members of 10,650,824 potential (0.4% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 62.

**Verdict on the desk:** this could be *fortress*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $652.6M |
| Members | 47,012 (1.1% YoY) |
| Full-time staff | 123 |
| Net worth | $105.1M |
| Net worth ratio | 16.1% (p95 of band) |
| ROA (annualized) | 1.64% (p94 of band) |
| Total delinquency | 0.73% (p63 of band) |
| Net charge-offs (annualized) | 0.88% (p84 of band) |
| Loans / shares | 66% (p18 of band) |
| Cash / assets | 12.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.65% (p97 of band) |
| Operating expense / assets | 4.18% (p78 of band) |
| Vehicles % of loans | 28% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 11% |
| Third-party paper % of net worth | 10% (p21 of band) |
| Vehicle delinquency | 1.19% (p84 of band) |
| Vehicle NCO | 1.36% (p70 of band) |
| Repossessed % of vehicle book | 0.48% (p95 of band) |
| Real estate % of loans | 23% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 92% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 21% |
| Average share balance | $5,056 |
| Participations bought / yr | $21.7M |
| Participations sold / yr | $2.2M |
| Participations outstanding | $76.6M |
| Loans outstanding per 100 members | 62% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $12,464 |
| Loans granted, annualized | $134.4M |

## Participation posture (from the same filings)

Bought $21.7M and sold $2.2M in the latest annualized quarter; $76.6M outstanding purchased (72.9% of net worth), $12.2M sold and retained. Sold in 6 and bought in 8 of the last 8 quarters. Shares 7.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | delinquency 2x band, repo signal |  |
| 2017-03 | 3 | net worth falling, delinquency rising | repo signal |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 2 | charge-offs p90 | net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | repo signal |  |
| 2019-03 | 2 |  | repo signal |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 | margin squeeze | delinquency 2x band, net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | net worth falling | charge-offs p90 |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | charge-offs p90 | margin squeeze |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 3 | delinquency rising, assets shrinking |  |
| 2023-06 | 1 |  | charge-offs p90, delinquency rising |
| 2023-09 | 0 |  | assets shrinking |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 0 |  | delinquency rising |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | repo signal |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-04-09 [OMNI credit union experiencing 'service disruption' and 'system outage' - wwmt.com](https://news.google.com/rss/articles/CBMiigJBVV95cUxPbi11LUJrdkg1Yms0UEs4SVUwSjlNazRRdW9rTVV4dU05emNPUXhpWl9Pd1lnaXhtNE9leFgxVUtmdjFFNUtQa1RJeVZYTzh0SUFvdURabDZneDJYZnliV3NWakZ2T21hSEVmSWZOa1g5aG1KRE8zbG55RU1Md2NzWG1oMXoycWlsNkxxVDJ5d3Zxa1BTaFNSWlJKWUZNZUkySnR3azJPODI4NjQ2VkJmcFdHaGNKZWlPRDJGWjE4cjE3eE9wQkNHZW1EMlhTZ0laQ21ZTmVnT3ZCNzBiRi1pSGFoME9rTkZ1MW40cFFNYzlmWFAyNmo1NHFDbU1FUk9wS2NZaUw0bG03QQ?oc=5) · wwmt.com
- 2024-11-19 [OMNI Community Credit Union announces new Chief Retail Officer - CUInsight](https://news.google.com/rss/articles/CBMipgFBVV95cUxNLW96cHI5aXBveG5YSVdQUURJRy1FRVowY3kyT2hxYzVCXy1MOUFSWnV6XzV4VEpHYkdMSHBiZjR6bHFDZVVTVFpsd05EZy1UR2xtaFh4eThFUEtfREJXdndxVWMwZG1nWi0zeGs3TEJSdWFmZHl0SFBuMzNQVVBTMWJXb3NjckRkUGtFTGtnRm9GT3N5bUVINUtJNDJMRFZyck5obXd3?oc=5) · CUInsight
- 2020-08-01 [New Omni branch set for fall opening - Sturgis Journal](https://news.google.com/rss/articles/CBMipgFBVV95cUxOcUU4V3E5VWU0M2hVSm1JbWdLYUhaMnNvYjlCUVFkUlNLNm5Ed2RZY1FuYXh3eEt6b0Rma0VqQWttRWRhWXVUeGFPMGo5ZHFCb3NCbWFzOEItZ0ZQaWxFWHFoT01QM2xiTW1EUFJWMXdKbW9uWlVyN0R0bmVqSVNGT3pXekF5aUJoLVA0Zk1wTlp6VUMwZmpPOEUxOVBJRFNVVHZRclJ3?oc=5) · Sturgis Journal
- 2025-09-13 [Winter coat drive: Where to donate in Battle Creek and beyond - Battle Creek Enquirer](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQN3g0MzVtS3JWNkxOTlVKRmRCcnprQ2pRSDg2bEJDLTc4OVgyb3YyUkFiWTZubzBjVHFVZkI1WGRFT2I5bmlhX0lwRnBzYUNHNDBOcmpEUThDX0F0TnVaUnJ3eV84MmJZWU9peG5pVDVTLTd5V2FFT1VmLXpjZDZ1QzZSNl9XaVpqN3EtR190bVR0N0ZVYnBzNXlIMzhpQXUxTkIwalVHUUZwYUJjUVBkZV9HTlZfZE40b194TWJ3TFRLa1dpa3NZdkEwazk0VWI2dk1pZXgySWkzNFk?oc=5) · Battle Creek Enquirer
- 2019-08-27 [Police investigating morning robbery at Omni Community Credit Union - wwmt.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxOSG5jbVN5X3RLSTVSQTRobzQwalFOYWFZenN4U0Nqd0ZBTUFITEtmbDVDbTY4SnBlOXk0aDVOcXRRUnJlWEJOdm51VUJCNGJyamxzakFIcjdnZ20yV3hDZXNpSENsMFVWRlBtZ0ktSFgtdkpjYTZUMjJzQWVsc0lxVjlyS01ET0xRdFZjblk5aS0wX2hENmEyMXJxZw?oc=5) · wwmt.com
- 2026-06-17 [Anne Johnson Obituary - Byron Center, MI - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxNVjZsbHpTMHpXZE85SjNwTEdYVHdidWRTcjVMd01HbzJDalRTVUVSME1JX2hKeWQ0RmpzZmpsd1BxaHl3UkQtRlk3RnhWMm1xdVduSzVVTU9yQ2ctVjdjeVBlanRSanFYal9NVGg5cGxVdWtDeTNzVFloZGVSM1lVUFRSa2RkN0E?oc=5) · Dignity Memorial
- 2026-03-06 [Storm damage in Three Rivers - MLive.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE80dnJORlVUUEg0R0djWVJ4RlJvS2xwVnVLVVVnTGVNZXlFRTFLOGl6V09aNVFRcUdtcVNQWEdlUzV4UUMyTkpYTzZFenh1VHV4clFZMUpoV2x5SUdpa2F1dDRvZVhOQVBrS1Z3?oc=5) · MLive.com
- 2026-02-26 [Lori Lee Huling - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1BZWNILU51eUJpUC1mTjVWM2RYWU52TlF3WTFBZ0E5ZU5GWFREdTJTYUNrSE91c3VvNkZLM3QxNDBiQ1c0NXpLTkd5Uk1xTFpXUDF2UWkzeWRBb2NDT19WWm95cjBneHNZQ0kyR1IzMURoSENCSzh5RTdFZWJvamM?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60105 (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 "60105", 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=60105
- 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