# I. H. MISSISSIPPI VALLEY
Moline, IL · NCUA charter 60337 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/i-h-mississippi-valley-60337

Who the members are: state charter, organized 1936, low-income designated. 149,705 members of 4,652,041 potential (3.2% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $2.33B |
| Members | 149,705 (0.4% YoY) |
| Full-time staff | 424 |
| Net worth | $201.8M |
| Net worth ratio | 8.7% (p9 of band) |
| ROA (annualized) | 1.01% (p76 of band) |
| Total delinquency | 0.76% (p65 of band) |
| Net charge-offs (annualized) | 1.09% (p88 of band) |
| Loans / shares | 94% (p77 of band) |
| Cash / assets | 6.5% |
| Borrowings / assets | 3.86% |
| Net interest margin | 3.51% (p62 of band) |
| Operating expense / assets | 3.41% (p62 of band) |
| Vehicles % of loans | 52% (p91 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 93% |
| Third-party paper % of net worth | 460% (p97 of band) |
| Vehicle delinquency | 0.88% (p72 of band) |
| Vehicle NCO | 2.58% (p93 of band) |
| Repossessed % of vehicle book | 0.21% (p83 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 105% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 36% |
| Average share balance | $6,692 |
| Participations bought / yr | $6.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $81.4M |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $23,366 |
| Loans granted, annualized | $581.8M |

## Participation posture (from the same filings)

Bought $6.0M and sold $0 in the latest annualized quarter; $81.4M outstanding purchased (40.4% of net worth), $7.3M sold and retained. Sold in 6 and bought in 3 of the last 8 quarters. Shares 2.1% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 4 | thin capital, net worth falling |  |
| 2017-03 | 4 | delinquency rising | expense trap |
| 2017-06 | 5 | leaning on borrowings |  |
| 2017-09 | 7 | delinquency 2x band, loans>95% of shares |  |
| 2017-12 | 6 |  | net worth falling |
| 2018-03 | 4 |  | leaning on borrowings, loans>95% of shares |
| 2018-06 | 4 |  |  |
| 2018-09 | 5 | loans>95% of shares |  |
| 2018-12 | 6 | net worth falling, leaning on borrowings | delinquency rising |
| 2019-03 | 4 | charge-offs p90 | loans>95% of shares, net worth falling, leaning on borrowings |
| 2019-06 | 5 | loans>95% of shares |  |
| 2019-09 | 7 | net worth falling, leaning on borrowings |  |
| 2019-12 | 7 |  |  |
| 2020-03 | 8 | auto monoline |  |
| 2020-06 | 5 |  | loans>95% of shares, leaning on borrowings, auto monoline |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 5 | auto monoline |  |
| 2021-03 | 6 | net worth falling |  |
| 2021-06 | 4 |  | charge-offs p90, net worth falling |
| 2021-09 | 5 | expense trap |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 5 | charge-offs p90 | expense trap |
| 2022-06 | 7 | net worth falling, loans>95% of shares, leaning on borrowings | auto monoline |
| 2022-09 | 5 |  | thin capital, net worth falling |
| 2022-12 | 5 | thin capital | charge-offs p90 |
| 2023-03 | 6 | net worth falling |  |
| 2023-06 | 4 |  | thin capital, net worth falling |
| 2023-09 | 5 | delinquency rising |  |
| 2023-12 | 5 | thin capital | loans>95% of shares |
| 2024-03 | 6 | net worth falling |  |
| 2024-06 | 3 |  | leaning on borrowings, thin capital, net worth falling |
| 2024-09 | 4 | loans>95% of shares |  |
| 2024-12 | 2 |  | delinquency rising, loans>95% of shares |
| 2025-03 | 2 |  |  |
| 2025-06 | 5 | thin capital, net worth falling, losing money |  |
| 2025-09 | 5 | loans>95% of shares | net worth falling |
| 2025-12 | 6 | charge-offs p90, leaning on borrowings | delinquency 2x band |
| 2026-03 | 2 |  | losing money, loans>95% of shares, charge-offs p90, leaning on borrowings |

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

- 2026-02-13 [George A. Zink Obituary Jul 26, 2010 - Van Hoe Funeral Home](https://news.google.com/rss/articles/CBMiWEFVX3lxTE5YcE5kaFMzYVNCRE5LaTZ2TWZ6RWg0ZncyRHZuakp1MWJyaWhwN3lKNDJsaFl4RzdiNU90WWZGcUJhNmtnNkJJQURYMGNRcXNrUEdMdlhDX24?oc=5) · Van Hoe Funeral Home
- 2024-06-29 [Michael Fisher Obituary Jan 12, 2016 - Esterdahl Mortuary and Crematory](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1PNjdLWkg1bEdCVGk0MGs1NzM4b243WnVveXNEWGFlRndwRmFKZTIzNG53NDB5Q2N2UldGV2QxTjVDRGc0UV9hQUo4TVc1b0ZnaFg0NVJKTFgzMDhlbTNVWg?oc=5) · Esterdahl Mortuary and Crematory
- 2024-11-10 [Brian Ripple Obituary Nov 10, 2024 - wheelanpressly.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1FaENOTEJPY09ubWxWcWU4amtrelZvS2RLWWlENmJIU1l5QkJVTllMaDNpRlc3MGV3NWs0X29PYWlIQnlHYTFsX3VvOWp5ZDdjaGkyX2RkVHZuNkcyQ2xYRjl6Z1Y?oc=5) · wheelanpressly.com
- 2021-05-20 [Delores M. Graham Obituary May 20, 2021 - Trimble Funeral Home & Crematory](https://news.google.com/rss/articles/CBMicEFVX3lxTFBlZkNXNzg2dUtWRTJDaXpta3k1djhwV0h1STY0cGI4RU9zeVFNNzlpSWxCM29VSUY1b0tlaWV4azE1bW9ad2taVnkwai13ZWNXSWpROWsyWVREWXJOUXFQX1ZaUlRFWDhvN0FaNGp0ZlI?oc=5) · Trimble Funeral Home & Crematory
- 2014-07-15 [Prophetstown rising from the ashes a year after devastating fire - WQAD](https://news.google.com/rss/articles/CBMi6wFBVV95cUxOWkZ4ajZpYUtjQXcyV0NVbEhQLTR3WElkVHhHUEI0RHhpQnhxV0dJMFlIcDVpMTFXakhORjhwTHdKV0ZBUExGbXQteEtHc0pTSmFBX1B0WTBPRVZfeTlETkFyd1J3SUNMYXJjTGdGNjFxT0pOS1VuN1hyNDhnQnhoSkZUM3FoUjlpbndxN2hGQ3k4Y282ckZuS1N1WW9IdkQ4VmxJdmpxdVh1bUt5aVN5aTBIcUNEUkRFRE13N2UwSG1KQjZkWU9DOTFsMUxZcHphVFVad2VoZ1dRVEdJSUlWblBCLS12SFRSMWhF?oc=5) · WQAD
- 2021-07-02 [Marvin Spohn Obituary Jul 2, 2021 - Esterdahl Mortuary and Crematory](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBGa3hfOUNDZ2p5dzBvbGN6Ynp4ZXZOcVlDQVdvNWxCNGMwVEVZXzhINUdNeHNCdTJWYUlEX0F4Qzh2SzZFeVUyMXp6ZG5fQ1VJMEVXd2NHRzR5ZlBSbUE?oc=5) · Esterdahl Mortuary and Crematory
- 2022-09-14 [Madison Fox Obituary (2022) - Moline, IL - The Rock Island Dispatch Argus - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPM1hJN2pLNXd0OHVDUlNuTDBGRTFNOHV4dUgzVkk3c2tZM1E4MzJqZllkMkNhakJ0RG1BQkJyaGlZMWVkSlptanlpVmRXNDVWWWVhNDlzXy1qeF9JUHZDenpYQ2xLems5eEdkZldJX3RTeTBTWjdvMFpTNVZFX0hxWURvNlZzcHlLYy00?oc=5) · legacy.com
- 2019-01-28 [Vernon J. Blomme Obituary Jan 28, 2019 - Van Hoe Funeral Home](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1GWjZIeHg0LVVtMHZGbWU0NERQSGNyTkdmZkFRYlBFTVNkRG5Qdks2bzhTM0ZaRk5LbUpYekJMMXkxWENoV2U0eGN5WGRPS2NiMnV2WEhOc2RJbk0?oc=5) · Van Hoe Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60337 (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/49.json (key "60337", 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=60337
- 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