# ANCO COMMUNITY
La Salle, IL · NCUA charter 60184 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/anco-community-60184

Who the members are: state charter, organized 1955. 1,975 members of 30,000 potential (6.6% of the field); checking penetration 17% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $10.9M |
| Members | 1,975 (5.1% YoY) |
| Full-time staff | 3 |
| Net worth | $544,060 |
| Net worth ratio | 5.0% (p1 of band) |
| ROA (annualized) | -1.88% (p6 of band) |
| Total delinquency | 5.58% (p94 of band) |
| Net charge-offs (annualized) | -0.01% (p21 of band) |
| Loans / shares | 46% (p33 of band) |
| Cash / assets | 6.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.67% (p12 of band) |
| Operating expense / assets | 4.99% (p78 of band) |
| Vehicles % of loans | 75% (p74 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 3.46% (p90 of band) |
| Vehicle NCO | 0.62% (p82 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 11% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 32% |
| Average share balance | $5,221 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $6,696 |
| Loans granted, annualized | $1.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 5 | losing money, delinquency rising, charge-offs p90 |  |
| 2017-06 | 4 |  | charge-offs p90 |
| 2017-09 | 3 |  | delinquency rising |
| 2017-12 | 4 | charge-offs p90 |  |
| 2018-03 | 2 |  | losing money, charge-offs p90 |
| 2018-06 | 3 | members leaving |  |
| 2018-09 | 1 |  | net worth falling, members leaving |
| 2018-12 | 2 | losing money |  |
| 2019-03 | 2 | net worth falling | losing money |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 4 | net worth falling, assets shrinking, auto monoline |  |
| 2020-06 | 3 |  | assets shrinking |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 3 | losing money |  |
| 2021-03 | 4 | net worth falling, charge-offs p90 | losing money |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 |  | net worth falling |
| 2022-03 | 2 |  | charge-offs p90 |
| 2022-06 | 5 | losing money, charge-offs p90, loan book shrinking |  |
| 2022-09 | 4 | assets shrinking | losing money, loan book shrinking |
| 2022-12 | 2 |  | delinquency 2x band, assets shrinking |
| 2023-03 | 6 | net worth falling, delinquency 2x band, delinquency rising, assets shrinking |  |
| 2023-06 | 4 |  | charge-offs p90, assets shrinking |
| 2023-09 | 5 | thin capital, charge-offs p90 | delinquency rising |
| 2023-12 | 8 | losing money, delinquency rising, assets shrinking, members leaving, loan book shrinking | net worth falling, thin capital |
| 2024-03 | 7 | thin capital, margin squeeze | charge-offs p90, losing money, delinquency rising |
| 2024-06 | 8 | losing money, charge-offs p90 | members leaving |
| 2024-09 | 8 | members leaving | margin squeeze |
| 2024-12 | 9 | net worth falling, delinquency rising | members leaving |
| 2025-03 | 5 |  | losing money, charge-offs p90, net worth falling, delinquency rising |
| 2025-06 | 5 | margin squeeze | assets shrinking |
| 2025-09 | 4 | net worth falling | loan book shrinking, margin squeeze |
| 2025-12 | 8 | capital below 7%, losing money, margin squeeze |  |
| 2026-03 | 6 |  | net worth falling, margin squeeze |

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

- 2024-07-20 [Gerald Washkowiak Obituary (1936 - 2024) - Lasalle, IL - News Tribune - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNVlY5aVR2OWM3LU0tVkVLeWd6OFpQTzR0NTNIOUVyTDR5ZVg1Ynp0V3NGMFJzYWRFOGNHVzdzRHdHcHVsRVBtMlVRR1lOSW5qS29UQWJuQ3Jrb2JweEcyR1hnUThjbm9hYnF4RzNzUzhWcEZ3Ujl6ZmVneGYyb0pMbGVxLW5NS3FGVUFYOTA5cG9PRHc?oc=5) · legacy.com
- 2022-03-21 [Frank Senica Obituary (1935 - 2022) - La Salle, IL - News Tribune - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxONEk5bTZMZ252c2phbzJkblh5X3dFcVVBbUFUWmxVblNKT2cyb2J5UXZYWTA0STJRdDB1NF9vZG9FUHRCcVdxMEt0a1ZBMHJxOFlNSEpBNERnQ1ZpdTZFTkpGRXVsSzlZOEM0bXNBYTdORzBTZXUyZlVjeE9rUm9HQlR0RVFRbWYtdlB1ZA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60184 (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/24.json (key "60184", 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=60184
- 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