# MY
BLOOMINGTON, MN · NCUA charter 60125 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/my-60125

Who the members are: state charter, organized 1957, low-income designated. 22,316 members of 3,219,757 potential (0.7% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *ordinary*. 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 | $371.3M |
| Members | 22,316 (-4.7% YoY) |
| Full-time staff | 82 |
| Net worth | $34.5M |
| Net worth ratio | 9.3% (p19 of band) |
| ROA (annualized) | 0.03% (p8 of band) |
| Total delinquency | 0.80% (p67 of band) |
| Net charge-offs (annualized) | 0.22% (p31 of band) |
| Loans / shares | 92% (p91 of band) |
| Cash / assets | 5.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.65% (p57 of band) |
| Operating expense / assets | 4.28% (p75 of band) |
| Vehicles % of loans | 8% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 3% |
| Third-party paper % of net worth | 2% (p21 of band) |
| Vehicle delinquency | 0.83% (p68 of band) |
| Vehicle NCO | 1.00% (p69 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 302% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 15% |
| Average share balance | $5,890 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $8.4M |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $40,270 |
| Loans granted, annualized | $22.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $8.4M outstanding purchased (24.4% of net worth), $2.8M sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares -2.8% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 5 | thin capital, net worth falling, losing money, charge-offs p90 | delinquency 2x band |
| 2017-03 | 3 |  | losing money, charge-offs p90 |
| 2017-06 | 4 | loan book shrinking |  |
| 2017-09 | 3 |  | net worth falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | loan book shrinking |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | net worth falling, delinquency rising |  |
| 2019-06 | 2 |  | net worth falling, delinquency rising |
| 2019-09 | 1 |  | 3rd-party paper>100% NW |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | losing money |  |
| 2020-09 | 2 |  | losing money |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | loans>95% of shares |  |
| 2023-06 | 1 |  | thin capital, delinquency rising |
| 2023-09 | 3 | assets shrinking, leaning on borrowings |  |
| 2023-12 | 2 |  | leaning on borrowings |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 1 |  | assets shrinking, delinquency rising |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 | losing money | loans>95% of shares |
| 2025-06 | 3 | members leaving, loans>95% of shares |  |
| 2025-09 | 4 | delinquency rising |  |
| 2025-12 | 6 | delinquency 2x band, assets shrinking |  |
| 2026-03 | 2 |  | losing money, loans>95% of shares, delinquency 2x band, assets shrinking |

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

- 2026-08-11 [Volunteers needed for flag preparation event sponsored by Rosemount's My Credit Union - hometownsource.com](https://news.google.com/rss/articles/CBMipAJBVV95cUxNSG5TMWdsT2R2MTVTdG5jTzlMVWduUm5Od1RVT0JkWF9RSkU0UUdnTmRNWXhBQkJuMkhqMkhTVk00TkVTSGtGbHFQaDlmYndQeVZURzNQeWhtaFE2VnlGN3FDQ0N2WjlnekVPRzlLdWVOR0x6UTVMZmdCaG03RjVzZUNGQjZmR2VYdF9MUTRlcE1ZR2psQkhyWnI0UWxFZ0ZRZ1c0YjFNZmhjSmNtSjVjMjB6RHZ0U3FPM0dvT3l2YUtVM2lQOEhRdEpSaFdRNWl2b0VlNUUzTHlDR3JBaWd6WFBWTXhSeDRRbVhTekJzUmlPQTNHMTR6NVZmM3NTUWxsdFgzQjRpUVE5Z1dQMTVlQUloVU04c0NnZk9JamYwREYtRWsz?oc=5) · hometownsource.com
- 2026-07-31 [Average auto loan interest rates by credit score in 2026 - Bankrate](https://news.google.com/rss/articles/CBMilAFBVV95cUxOeHZ6THRZN1lNODItNlg1QURyVnpsYTlZS3MtblRsN3pWbTNSRVRYUTZDcW1DSnJMTXFyMUR4aE5RTk1pZk4xa2pPMmlrWGNQV3VvaFhqWVpDU1lXTGN6djFwWHZwMnB6RVotM1JjTFB0enB6dVJVZldiZ2pGaVg0LU1DeXVQc0t4NEZ1Wmg2MEpydURV?oc=5) · Bankrate
- 2026-01-27 [Ex-FBI turned Wings Credit Union sleuth on fraud: ‘It boils my potatoes’ - Star Tribune](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPNE9sanJtZ2MydGRyQWdzLXJxV0RnMkFDTUhaNlJuOC16UW5yZnVSQk5PS01PYTd5VTdSejhUNEY3cVlKdnZFOUpBOThCbDBlbTY2aGkwR3pRNnVuV3A0U3ZsUDgtbk9OYWFBRTE2X19kQnA3WkxXVGxhc1FfWDRUb0dheVRSNUE2aEMtaU9TSGl1SU1mYUdxQU9LZGY5YmUzc2JNUHJfTVNYREd6QU5WNDM2bUt1Vjhy?oc=5) · Star Tribune
- 2026-04-15 [Hardship Loans for Bad Credit - NerdWallet](https://news.google.com/rss/articles/CBMib0FVX3lxTE5sTHlENjBOTXc4YW9KMDFta3JJcGd6M1ZaczVNSzhGcUJxMGFESmNtVHJYWkxvd0hqelg5cFFveUhrZHFiSUNSVVNsN0w1Rm5OWXA0aHhFWXNEdUw4VEtxR0pieE94QVZXWk1lcU9MZw?oc=5) · NerdWallet
- 2025-09-26 [What is Elan Financial and why is it on my credit report? - creditkarma.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQSXZZSHdSN3JBZFJUXzJGX0d1Snh0aHpBdlBsX1VXR2tiQnhPWnZMMjRvd21BcHVYSjlham5xS09pOEJkSDZTcnhvSU9WWjZGc3RGUFp0Vy1xT0lmY1NjOEFqYzBuaEtyLXpiSXJtdE5uaDR6RkVOaTBHRFdFX2pPSjNKaFR2ZGUx?oc=5) · creditkarma.com
- 2026-08-05 [Best Credit Union Bonus Promotions (September 2026) - Best Wallet Hacks](https://news.google.com/rss/articles/CBMia0FVX3lxTFA2QXB2VnhxSnB0eVBNTEc5LUphV2s2Z2FNVVJGVHJWWWZXeGJnUzFWQ0I3dlJjQnd4WDVUOFUzZVRVbGJlMkh6aVBqZWJ4MEpoM2NaZHFTVEhra0xJVkdpOE0zMnJjUFI3aFpr?oc=5) · Best Wallet Hacks
- 2024-10-11 [Table of Experts: The Minnesota credit union landscape - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPakhOdTAyWGJhdGVFcVZCZWpTYjA3aDhSV1Z5ZEVaRHgtXzB1QkY5eTlSTmx1bHpFN2NUcnpWUGM0NVFSM0s1NzZDVGhGZXluZWphQXVLOG1SZXBmaDd4d25VUV80Yi1hVzR4NUtNS3JYcFVqdFNzU3J5V1dnQ2plcmJxX3Q0UTdSSHltLU1KZDFCS1ROVndsYUZXVVJ3cFdWWUVoVVN4ajR2dw?oc=5) · The Business Journals
- 2025-04-22 [Book ‘Em offers sustainable way to reuse books - City of Bloomington MN (.gov)](https://news.google.com/rss/articles/CBMimwFBVV95cUxPX1hGNVFwQ1ZUaEo3dTc1eFJDaE8wWS14SkVRN3ZHUVNiT1RjSmg0bl9nX2trUDdQQUhDWFRFWWlLNTE5UjBHN3MtaFlXUDd5THNQQ3plLUdJQXNoU01jUElFTTN2T2ZqbExPY0gwX01xLWpXYVNWZmMtWFh3STdycHFldDNlb1hHX0lhY3NXU0xaYm1zVGJnLUxZTQ?oc=5) · City of Bloomington MN (.gov)

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60125 (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/29.json (key "60125", 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=60125
- 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