# ANOKA HENNEPIN
Coon Rapids, MN · NCUA charter 60148 · asset band $200-500M · latest filing 2024-06 · stopped filing after 2024-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/anoka-hennepin-60148

Who the members are: state charter, organized 1963. 18,728 members of 2,773,057 potential (0.7% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $282.2M |
| Members | 18,728 (1.4% YoY) |
| Full-time staff | 56 |
| Net worth | $24.7M |
| Net worth ratio | 8.8% (p15 of band) |
| ROA (annualized) | 0.06% (p16 of band) |
| Total delinquency | 0.20% (p12 of band) |
| Net charge-offs (annualized) | 0.12% (p18 of band) |
| Loans / shares | 65% (p25 of band) |
| Cash / assets | 12.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.01% (p37 of band) |
| Operating expense / assets | 3.85% (p64 of band) |
| Vehicles % of loans | 33% (p45 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p21 of band) |
| Vehicle delinquency | 0.12% (p12 of band) |
| Vehicle NCO | 0.30% (p34 of band) |
| Repossessed % of vehicle book | 0.12% (p77 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 87% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 8% |
| Average share balance | $7,096 |
| Participations bought / yr | $4.6M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $18,346 |
| Loans granted, annualized | $61.6M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | net worth falling, delinquency 2x band |  |
| 2016-12 | 3 | thin capital |  |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 2 |  | net worth falling, delinquency rising |
| 2017-09 | 1 |  | delinquency 2x band |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency 2x band |  |
| 2018-09 | 1 |  | thin capital |
| 2018-12 | 0 |  | delinquency 2x band |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2020-06 | 5 | thin capital, net worth falling, margin squeeze |  |
| 2020-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | net worth falling, delinquency rising |  |
| 2022-06 | 2 |  | delinquency rising |
| 2022-09 | 1 |  | net worth falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | delinquency rising, assets shrinking |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | delinquency rising |
| 2024-06 | 1 |  | assets shrinking |

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

- 2024-05-02 [Topline Financial Credit Union and Anoka Hennepin Credit Union announce proposed merger plan - CUInsight](https://news.google.com/rss/articles/CBMizgFBVV95cUxNWU1zbjg0dDlHbVhtd1VBSWM4d3paWXdMMUc5VjllTzI5ZmFUeVU3ZzdqR19WWXNYQjRJcGFnN3UyVDZ4RjNic3ZhUGZfWERnSjZIdWxlQjZNTndyU1NrbjRfN1NfdWRIa3EwWEdwTUw0YTIyVWVhcVBrekxMY28yVkphM2ljRS1DUklmM2VaNjQ2TEpud011NXpJclByZl9kdm5ncUdZRHJteEpsOC1veEZLSFNPY2pkcmdmSDJha3Jud01FRVBjU1YwRGVJUQ?oc=5) · CUInsight
- 2014-04-14 [Anoka Hennepin Credit Union celebrates 50th anniversary - hometownsource.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNT0xBcm9CSnpxNmRQRkttbVhPSzh4d2EzVkVFNkhpRGF2VW5tYXpDQVAtazIzTVY3MFhXeWNPdDhNQjJJbENEcDFKVmU5dVBFbXVjeHQzMnA0dlpmMnlfdk8ybTJoSjFkejVnZ3dQQ0Q3dTVoZEo4dkVXWHFuZUI1T1JUWmExT0ZJZ2VYRXY2VFE1UGJnZXZneDBzMmhvaVF6NklXcVEzUkZGVXJlbmc0U3NpeHUzWXBYbDJwWFF2b01ZLVBRQno1R2V0MXY1azY4XzJFZUJFeENjZC0wOENqbGU0YnhSYlFwZGNxVHdXemZQVDdJ?oc=5) · hometownsource.com
- 2024-05-06 [Two Minnesota Credit Unions Looking to Combine - cutoday.info](https://news.google.com/rss/articles/CBMihwFBVV95cUxPcFNlWm5DdnJ3elBkVzZKV3daSDNKYTR0b0ZXV2l0VU1maTF3ZkpVSTJCTzBSam1TZ0VSa0pIX1o2VHNvUHBZc0FCYkt2ZlhFQWhkd0lzQWh4SVNsT0p5OTNwSjN1aW5ldE5OekowUmdkdnpKYXNNbjBNd01sUnZ6Wi1FRm05RjA?oc=5) · cutoday.info
- 2025-03-30 [PSECU live with new core banking system, Corelation’s Keystone - FinTech Futures](https://news.google.com/rss/articles/CBMitwFBVV95cUxPbFNBQzlaZkRfTnkyV2pGWGlQajJkNk52VkJveDBKYVk2RkNKckxja1k2UlNGSG5RbTRlT2lPUDNIUUlzQU5oUGVfR1dvcThLenE3TlI1RFVJM3VvYU1XU3BLd1M5blRpYXBVUjkxcWtxWkpDdGJfSWdHZTZYLW90OWlhT25iMUxuWENCRm14RUkyc3BvZ2xJNVVxYzRxdWN3anJDZEhaRUw1U1otQklpcXJERC10MGc?oc=5) · FinTech Futures
- 2025-03-25 [Capriotti's makes Minnesota comeback in Anoka - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxQMktUN1N2d0V6eTNUV2lBZ1V4M1BFaTVNcXAzSW80aGNqTzJVNWVWd1JvX2lZQVNkd3VXT1hJLWpWbFEwYlJMdnBIZENtMmZCQjFjUVNEYl90TjZLMURJal9Nc0F0RS1FMmYwNzZTcE44YjNSTDMwVVp0dFhxRUNaN09FbHktdUJLc2dVWDhCU2x6cm9kbXc?oc=5) · The Business Journals
- 2002-04-02 [Barbara E. Swenson - Star Tribune](https://news.google.com/rss/articles/CBMifEFVX3lxTE8zbzVvdEEyM2hKWHRMRkFqMmZ6SDJEMDlWR0dMRDNOSzdIYzBjdTdwMDFCek9EQXh5MlgwZUMtUXpMVWg1VVBhbjhGSHI0QXRSMFhuT2ZIUUtaYlFOVVBEbjQ0STN0Q3FUY29qSFFCZ3djWk5VM2thM19iSzY?oc=5) · Star Tribune
- 2025-11-26 [Dorothy Ann Isaacson - Legacy obituary](https://news.google.com/rss/articles/CBMihgFBVV95cUxPdGw4SkRzTVB0U0NJOFpYcUxvT3NZZjdBWW1QcmxMeDVwa1Z4bTE4ak5hbFRKSTFKaURyVUx1RE1BMVNvQnVXWW14QjFvOEFjb0dFOGZqdER6UDNvWXRzU1pNdko2TTd0ZVhHNmhsSmViVF90X20xYWgxT2V2cDBLMUJzMnJVQQ?oc=5) · Legacy obituary
- 2018-09-11 [Pearl Hommerding Obituary - Coon Rapids, MN - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxQbUk5RXZVcVpOZHJRcGtPa0RsTHVYMEc3MzRuMmw3TnVaamppM1V3QVB1S1J5blM5eHRzdDJsWURZZkdSbGpYRTZqQlliSU9RbEdVSzhsUnRLWVYyelVTSU11SVRJd0ZnemV3WTI2MmtMX2lPY3NqQVBYQkpNV0l3dHRTNWIzQ1QzTmc?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60148 (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/52.json (key "60148", 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=60148
- 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