# SIU
Carbondale, IL · NCUA charter 60279 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/siu-60279

Who the members are: state charter, organized 1938, low-income designated. 46,180 members of 510,623 potential (9.0% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 345.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $588.2M |
| Members | 46,180 (4.7% YoY) |
| Full-time staff | 104 |
| Net worth | $66.8M |
| Net worth ratio | 11.4% (p63 of band) |
| ROA (annualized) | 1.30% (p85 of band) |
| Total delinquency | 0.88% (p72 of band) |
| Net charge-offs (annualized) | 0.66% (p71 of band) |
| Loans / shares | 75% (p34 of band) |
| Cash / assets | 17.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.52% (p54 of band) |
| Operating expense / assets | 3.10% (p25 of band) |
| Vehicles % of loans | 66% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 65% |
| Third-party paper % of net worth | 339% (p94 of band) |
| Vehicle delinquency | 0.56% (p48 of band) |
| Vehicle NCO | 1.19% (p65 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 15% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 36% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 25% |
| Average share balance | $6,434 |
| Participations bought / yr | $35.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $60.3M |
| Loans outstanding per 100 members | 345% |
| Loans granted per 100 members, annualized | 25% |
| Average loan balance | $2,441 |
| Loans granted, annualized | $133.5M |

## Participation posture (from the same filings)

Bought $35.1M and sold $0 in the latest annualized quarter; $60.3M outstanding purchased (90.3% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 11.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | delinquency 2x band |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 | net worth falling | delinquency 2x band |
| 2017-09 | 3 | delinquency 2x band | net worth falling |
| 2017-12 | 1 |  | thin capital, delinquency 2x band |
| 2018-03 | 4 | thin capital, delinquency 2x band, auto monoline |  |
| 2018-06 | 4 | members leaving | thin capital |
| 2018-09 | 2 |  | auto monoline, members leaving |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | assets shrinking, auto monoline |  |
| 2019-06 | 2 |  | delinquency 2x band, assets shrinking |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | charge-offs p90 |  |
| 2020-06 | 3 | net worth falling | charge-offs p90 |
| 2020-09 | 4 | margin squeeze, delinquency 2x band | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 5 | net worth falling |  |
| 2021-06 | 3 |  | margin squeeze, net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | charge-offs p90 | delinquency 2x band |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | charge-offs p90 |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 2 |  | delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | net worth falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 4 | net worth falling, delinquency rising |  |

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

- 2026-04-20 [SIU Credit Union announces Free Shred Day schedule for 2026 - Southern Illinoisan](https://news.google.com/rss/articles/CBMigAJBVV95cUxOdXY1VmtmSmNsRURQeEJpdENBOVVlY2tOZzNWeFd5QU11Z0ZBREs2NDUxWE9VM2xPRTIzTGdieE0tOFpOMUdsejgzbVBiQUVOVGYxZkYtREo0VHBLWEZ1S1Q4eVhhTDZHa1N1M3RWazFDNDZXMlVkTTRuRFdTa00wbG5oX1M4d28xZzVsMlhxYkRnWHZIZnpoUnFzWWZ2T01kQ1NOSHRXdXJJQ3NCMFJWR2tkZlp3aTMweDU3RVlzRVlicGxDUGJpdVAybHJNeG1ldVNQaExuQzlFSmdHbFFocVpGMDdabjJJQkJoeFBlYTVKWmxLRG1oUHNIVVlYREVx?oc=5) · Southern Illinoisan
- 2024-01-11 [The SIU Credit Union will relocate its corporate offices - wsiu.org](https://news.google.com/rss/articles/CBMikgFBVV95cUxPY003OTFjaktOU1c1S004YzJZUTVfQ0Y2Z0IwQy10aG1KaHltTHJDc3JsLUhabWkzRU5fLU4yOTZtV0NGUEZZQklvUWtMelpKSzFqb3FsUjFoMzktbDBmckJfZjQtMk5HZUJGT1FrbUdUUWZ1YlFmZHRGWnBLUzZJQTBaYl9LRGlqenk0TmU1X3F1QQ?oc=5) · wsiu.org
- 2025-09-25 [SIU’s Family Weekend 2025 features actor Danny Trejo, football and more - SIU News](https://news.google.com/rss/articles/CBMirgFBVV95cUxPQ1FmRlVReHR3X1BiMlBiNXhLbkhjMWs5S2lLeS1NekNnVW9LVmtCVEhMMWl2SnZ6T3BTOFBQTjVXdlRYMC1FUDN1WjNvcnBydWNCVlJPa0hyNnQ2RF90Z21YWXhOWjhMb2dSV29jY0lwdk1EZkdDZzdZWjBYd3NMLUFmcnQ0OGpTUE5zb0FDZkVua2xKd3hSb3VWOFBPNFVVZjJadUoxMUUzY1U4QXc?oc=5) · SIU News
- 2025-08-18 [SIU Credit Union breaks ground on second Marion branch - Southern Illinoisan](https://news.google.com/rss/articles/CBMizgFBVV95cUxORzFhYWlFOHpPOFQ3VFNVTElvaDVVRW9QZTYyaGdPbjJVUW42dVY1bWFxTlcxZG10b2l3M1RRVUtTTS13NTdtX0FmTGc4TEpVOE90cGdTeW9TXzFab3dqMTVCYk9KTFNwakpVNGM3MjhLcTV6Q1U5UTZiV3E3ZHRTVWN0VnhfRWQ5alc5Y3JVNlF2ZldaNS1jaGc0WFdNTTlvSE94RnZiRnV1SnJ0NzZQWlUzUEJldFlaazlsdFNZYW5nVEdYT3ZEZTF2bzJoZw?oc=5) · Southern Illinoisan
- 2014-07-30 [Carbondale man sentenced for credit union robbery - KFVS12](https://news.google.com/rss/articles/CBMikgFBVV95cUxPQldzR25FV09mZUx4cFphVl9ERTllalp3cG92dDhtd1A2R3hxT29HZFhPYzhOWXBGdUhCc0FpNjFlaGZ5U2xqczJiY3FKMmNmLUF1R0hvbXRXVXhwQ2dPeS1lREdNWHQwb01qTzkta21JWndVaWhzLWRra2wzNmF4R09jMG83WVpJZkdGMHA2N0k4d9IBpAFBVV95cUxQWGN6MDNEVTNXeEQ3QVhYcDh0QURVQzFLRnI1QWFPSjdHNGFxTl9NSnJuMXV3VjB6aGZHUVZVR0p6SjJYWFJqazFKNkVqSnkyanFhTVRkQnJDb0pZZm9USzB1YWJHeFZ6SFk4cHpWRkR3bFI4WndRTUNvQ0NobkhheGYtNVp2U3FNLUNnN0NWZXdvc1NTUndPczVOOEZYZHkyN1lFMA?oc=5) · KFVS12
- 2019-11-27 ['Art Over Easy' to feature live music, VIP reception, and auctions - SIU News](https://news.google.com/rss/articles/CBMiakFVX3lxTE9zQVRfanBKa2hYcGNuc0k2d1BLaWJYdmtMcVdMeUN6M3hkRUd0aUF5WWR6WjBheEVHREdnd2g2bXd0VlNrek81anFVWHBHNWNvRGItZk9CYUg4bW1tVHVLRXVBZVQ1QlV0eVE?oc=5) · SIU News
- 2025-04-21 [SIU Credit Union announces free shred day schedule for 2025 - Southern Illinoisan](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNeVl3dFpHSG1KUWRJVjU0TXJuaVBjWWhVcTRqM0ZvVUZnRnhJQmZFdncyXzdQYV9vNnptd2I0LXhwc2RuWnFiQUFWMTFLcEJRN2FORThwT3RTdmNUZWlmOGlmeDJMdUI4UjdhS3ZUaDFGa0Y1YXNabjVDZGlhYXVxQXh6b3J4V09JMDFCV0w1em1taFF5VEtpM29CZ2tvbElvZm9ibnJwYVJLMmYzZVdhdmZmdHp5aHFMUXBIWkhtMy1iWFZkSkNJQWtjdmo1X3AxMk1QVQ?oc=5) · Southern Illinoisan
- 2023-09-14 [Richard Walter Obituary (2023) - Herrin, IL - The Southern Illinoisan - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOUWEwRm52dFRiTHllTFZGLWd2ZkdDUG5LLUdTa0F6Z2JQN1BvRFNpMkFsc2d2NGxFRl8zeGNOMU1SRFl3c0FrY1Jpd2Zra015V244M29vTlVGVkFtOWQ5dWdEdFZVelpCdjFEMWhwcF9FQUFsZkxkQ3Y0Zl9GYVFSdDlMdkd2YlBWNVdRM3hiSEZwX0E?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60279 (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/55.json (key "60279", 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=60279
- 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