# UNITED EMPLOYEES
ALBERT LEA, MN · NCUA charter 60263 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/united-employees-60263

Who the members are: state charter, organized 1932. 3,973 members of 10,000 potential (39.7% of the field); checking penetration 31% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $67.3M |
| Members | 3,973 (-2.0% YoY) |
| Full-time staff | 8 |
| Net worth | $9.2M |
| Net worth ratio | 13.6% (p59 of band) |
| ROA (annualized) | 1.61% (p88 of band) |
| Total delinquency | 0.80% (p62 of band) |
| Net charge-offs (annualized) | 0.00% (p15 of band) |
| Loans / shares | 48% (p26 of band) |
| Cash / assets | 41.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.92% (p15 of band) |
| Operating expense / assets | 1.53% (p3 of band) |
| Vehicles % of loans | 80% (p97 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 37% |
| Third-party paper % of net worth | 89% (p84 of band) |
| Vehicle delinquency | 0.92% (p67 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 36% |
| Average share balance | $8,190 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $12,772 |
| Loans granted, annualized | $14.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 2 | delinquency rising | net worth falling |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 2 | members leaving |  |
| 2021-12 | 3 | delinquency rising |  |
| 2022-03 | 4 | net worth falling |  |
| 2022-06 | 3 |  | net worth falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | net worth falling |  |
| 2023-06 | 2 |  | members leaving, net worth falling |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | 3rd-party paper>100% NW |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 1 |  | 3rd-party paper>100% NW, delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | net worth falling, delinquency rising |  |

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

- 2025-12-19 [Douglas Pagel Obituary Dec 19, 2025 - Bayview Freeborn Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE15akdhZWZ3bEI2M1ZZNFNCcV81Vi1jdUEwVy1wUEh3TkNydkZBYk9uMDQyMDNSQXdfNlRFNlBjUE1yV0tZREVJWFNIanBKcWR2LVhvekt4ZVJhQlRRVHlNYkJuZWJfZw?oc=5) · Bayview Freeborn Funeral Home
- 2026-02-19 [C. Thayne Nordland Obituary Feb 19, 2026 - Bonnerup Funeral & Cremation Services](https://news.google.com/rss/articles/CBMidkFVX3lxTE9feEpFRExfZWdQMUowNGlPUGVQVmZmNXh4QmllMmRyZkU1eVIwd1llOFNsODNSTWlPeGxJMG5jYXlyb0JxZ0ZMN0hsdVBVaU5mUE8yaFpGYldoQWljQnNjUURJMnRldENFSDF4bFNrV0YwLXE2YUE?oc=5) · Bonnerup Funeral & Cremation Services
- 2021-12-06 [United Airlines Class Action Challenges Retiree Early Out Program - Top Class Actions](https://news.google.com/rss/articles/CBMiywFBVV95cUxONDFqWkEtVzVaREJZc18teGl0bElUVGtibnkyRHc0d1lmX3Y2WENwY0VmSkc4dU51NFJoUFVFQ0dJT0czblNvVUY4MUJUdjNsVVRRbG5GVG1zZFFNQ1FwRUV5dXRSOFE4YzlkYjdNQlA1SmdvU0lEMEZKcVZZakdXU1g4VnhSd0N2bWpfYjZObFVaWnR3aHp4Y1MwcHAyM0p3SWkwbzYxYjlZTWNEOTNRMlBFdG5EUW1HajZiWDY4V25DbnJOZ0xNcDFpVQ?oc=5) · Top Class Actions
- 2014-09-24 [Maras seeks to bring view from the outside to council - Albert Lea Tribune](https://news.google.com/rss/articles/CBMinwFBVV95cUxOWDFSb3YxMW01YXVGZUUxbkFMU0pyb1lzXy1Ia2ZvcVNDSkZMU3ZQYnJSYUg4ZUc4MEtGNFBESTVwMkp5WHo3QXRxalltSk5WWlcwMHJvQThIXy1QRGtVdFRDaXZvWWhGaXpCWTM5QjI3T3ZFaTQ2Tm1Dc3hOM2xTVFU5bUt4V0ZPMWpQOWY0aWFKVF9xeUNqS3lxaEZFZXM?oc=5) · Albert Lea Tribune
- 2015-03-04 [JoAnn Kay Stencel Obituary Mar 4, 2015 - Bayview Freeborn Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBlY3hOakdBTm5ud2Fqbl9pS1ItRzFFMkFJZFVzTEQtX0hxak9xZ0xnSjdqRmtUZnZoa0k0WjFteDc2aEVVWjJnanRCa3NoRElTTkZQY25EVDFlNDFfZHptZ0RMWUY1Zw?oc=5) · Bayview Freeborn Funeral Home
- 2022-03-15 [United class action alleges airline wrong to withhold benefits from retirees - Top Class Actions](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQLUhQTF9OUDNMSUx0TWNZejRqS3NZSktGeTVRbG1zZEp3SXhVX2NScFZXanBLekJfRnd6MXBaUkNLTzVZTDNydjVGMHNPR0d4eXNsYXNFUjZDVXV6a3F2RURFLWFVMEU0SVVGdzlVVW81R1A0SWhuVjh1aXZQZzVGb19XT2ctcWpTMHRXVV9xU1JtdGU5cHM4dzNqc3VUVVpEcWFWT0tRNEIzd3kxMXVfRzdiUHFyZFh3RWlQT3VkUVNEUUZJWm9lQUlwUG5La0lKMzlBRGU3ZkU3Zw?oc=5) · Top Class Actions
- 2025-09-03 [Art Walk Albert Lea unveils final piece in city sculpture wa... - Albert Lea Tribune](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQSHdrLTYycGpDbUJKWnV3N2I3ZERFWFhDM1BYRVVFZ1EzMGFqanQ2dDJxUFpfNm9NNnZudVlvemNIdDE1TUgtR2ZtelRlejR3U004N3J0c0J2VURUUVdQbmlKelJlXzB0Nk5xZlZxYjlUb2VFakRDck5PTTRjSHFqbE9mSmwwYTk5cW84Q3ZIc0N5VXN0NnN1aU80QmZ0LW9vcEVEQkpTb0ZsUFk?oc=5) · Albert Lea Tribune
- 2014-08-29 [Minnesota speaker tours Granicrete - Albert Lea Tribune](https://news.google.com/rss/articles/CBMiggFBVV95cUxNRGw1bUFpYXVzWjh3d2lvUk9feDFLM3BzdWZYN0NiTTRDalRObnVQR054aEFndllXcEdZNXViNldPZFBmZ0QwN2J6eGFySnVYRVZQM1JWTmFwYTlOdllhY0o2dV9IdjB3RVN6RDhfUXRDU21NN040dmxRSW1vSGhGc2p3?oc=5) · Albert Lea Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60263 (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/39.json (key "60263", 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=60263
- 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.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide