# REDBRAND
Bartonville, IL · NCUA charter 60346 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/redbrand-60346

Who the members are: state charter, organized 1952. 7,276 members of 310,000 potential (2.4% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *auto monoline*. 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 | $76.3M |
| Members | 7,276 (0.1% YoY) |
| Full-time staff | 17 |
| Net worth | $9.3M |
| Net worth ratio | 12.2% (p44 of band) |
| ROA (annualized) | 0.97% (p65 of band) |
| Total delinquency | 0.19% (p19 of band) |
| Net charge-offs (annualized) | 0.30% (p56 of band) |
| Loans / shares | 57% (p43 of band) |
| Cash / assets | 36.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.77% (p55 of band) |
| Operating expense / assets | 4.11% (p69 of band) |
| Vehicles % of loans | 70% (p90 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 45% |
| Third-party paper % of net worth | 128% (p88 of band) |
| Vehicle delinquency | 0.20% (p25 of band) |
| Vehicle NCO | 0.57% (p69 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 2% |
| Average share balance | $4,250 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1,899 |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $13,119 |
| Loans granted, annualized | $11.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1,899 outstanding purchased (0.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 1.6% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 4 | net worth falling, delinquency 2x band, delinquency rising, 3rd-party paper>100% NW |  |
| 2017-06 | 3 |  | net worth falling |
| 2017-09 | 2 |  | delinquency 2x band |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 4 | net worth falling, delinquency 2x band, charge-offs p90 |  |
| 2018-06 | 3 |  | net worth falling |
| 2018-09 | 2 |  | delinquency 2x band |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | net worth falling, delinquency 2x band |  |
| 2019-06 | 3 |  | net worth falling |
| 2019-09 | 2 | members leaving | 3rd-party paper>100% NW, charge-offs p90 |
| 2019-12 | 2 | charge-offs p90 | delinquency 2x band |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 4 | margin squeeze, delinquency 2x band | charge-offs p90 |
| 2020-09 | 3 | loan book shrinking | members leaving, net worth falling |
| 2020-12 | 4 | charge-offs p90 |  |
| 2021-03 | 4 | thin capital, net worth falling | loan book shrinking, charge-offs p90 |
| 2021-06 | 1 |  | delinquency 2x band, thin capital, net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | thin capital, net worth falling | margin squeeze |
| 2022-06 | 0 |  | thin capital, net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | auto monoline |  |
| 2023-06 | 2 | 3rd-party paper>100% NW |  |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | assets shrinking |  |
| 2025-03 | 4 | delinquency rising |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 3 |  | assets shrinking |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | delinquency rising |

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

- 2026-05-04 [RIA Credit Union announces merger deal with Redbrand - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMijAFBVV95cUxQdHNsZVllcUNiN2RBUVdKLVhlVzRQcHVLZkpHSmNFdGtzdWg4OW5oLWd4alY4RnAyc211Yy1ISEwwd1pRQnJiTlMxOU1YWkVuenRFV1NqOU9LZGZ6YnhJR3pWSnZfVFRtaFFrWGg3VTBmNHdTaGZ0bl9mb3ZJYnFrSVM0cHhrdE8zZUFvQw?oc=5) · Quad Cities Business Journal
- 2026-05-01 [RIA Federal Credit Union merges with Redbrand Credit Union - OurQuadCities](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPQnIyQ0hERk9raGxiVFR6ZlpKcVBBMlI5YlE3R2FwWHJkSXBsTW12QTNDcVdTcmpnaUpQNnh5dHpEVkJ0VzVrdUxZQkNJUjg3dlpHYUNRY0hHNGNJMkRKUUp6MGgwU1JzT1gxalVmUklzZ1FLdktvVjFCOXpURXY5WFliTlpGdjNDM0Q4cXhVVjNKcklEcDhza2pQZEY2OFo5bFZGTGlQaU7SAa4BQVVfeXFMTU92c2pyWFFTT2xTQUFKbGxzYUhoOUhRWG5oZ3NMa3ZaYzQyeDREUkU1S01Ldk9OU0RjTThLN3NKMzBIMnhPbUJEZFc5al9OaWNUNENSQkR3Yl9lRExMQjlhMjUwVFo3NlNTb2dsb2RmTTRiSTZZSGhjYlFqOTV0UzNuLXhjUGtIZEM0QW12TkpPQndEZEFSdVNFd01zbXVWeTR2TUxGNDBlOWdMbzl3?oc=5) · OurQuadCities
- 2026-05-04 [R.I.A. Federal, Redbrand Credit Unions Complete Merger - CUTimes](https://news.google.com/rss/articles/CBMijwFBVV95cUxQWkdXODZ4V3RoX2JjTFJUU0JzaG5pa29qd28wT1FaSklVQVBRU1BMNzZUUUZKMUpMQmNHZlFlQjNwemlBREtSemRtTWQwU2s0bWxGblp0LUhCX2tHMUdlQ2pzcXYwOXQzOG5MT0ZGMGhYLWo2dlZmYm5SRHlkMzB2dUw0QlVVOW13RVFZZmdVQQ?oc=5) · CUTimes
- 2020-07-14 [Obituary information for Jason Pearce - Knapp-Johnson Funeral Home](https://news.google.com/rss/articles/CBMidEFVX3lxTE9EZkxHMEVJUzV5UkR5SXdyd2NLdXlJQ09fNUUzLVY5X3Iydmc3U3BMcHIyWERTbGdZd18zODY5ZUowYnZpSTlaOWVRZ1E0TDFtUUt3bGFlVF9EU1FTN3NPS0lRbUh4MG9sUGh2MEtwRUVwQ2J5?oc=5) · Knapp-Johnson Funeral Home
- 2024-06-23 [James Sherlock Obituary - Bartonville, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNb2FvZDJfRTVPRTZnRVU4MmpRYUpXNUtVMTNmMHFQODQ3d0xIU2RJVU9VWi1DRFJuclRWS1ZfOFlhem5FMm5halBCSkY0a1VnYlNURjVYcnNwN2EyX3ZsZWtTTzk0RlJ5MThkM0hiQjM1QVBqLUZDMjd1VGlUTnk5SndyU1JXaE1a?oc=5) · Dignity Memorial
- 2008-05-23 [Kenneth Goodwin Obituary (2008) - Peoria, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQMEM5TFRnbVZwWkRrOTlSQWNyUlpDMDdaeV84bUxQVF9oTEpzTXNzbjRPajAyM1Ffa2lqdVBsQVNUMFNDSVB1RWx0eGxGYktiaEl5TW04dHpPWjVYd0poNzlRbVlaNE9oVXg0NGxtaC05N2hSVWZzQTJkM1pqWkJOcklFQ25ETU81VDY0bE9B?oc=5) · legacy.com
- 2020-11-21 [Norma Huddleston Obituary - Pekin, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxNMXZNNF9HYzA0bHlTMXFhNFRjMm42WWpTLXRhbmp0V01JUmMyR1BvUVk5RlNRQkl2aS1henhhaGpqalFEc3FwTkE3ZG1fZXNYWnk1bEpYMHRYbkdNaVNXSk05R3dpQlcxN1ZqSUFOYUFTU0VHTWhpeXhHVFhhcWZvZkpR?oc=5) · Dignity Memorial
- 2007-06-24 [Chris Riekena Obituary (2007) - Peoria, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNYkdqUkpxSE9ZbVhETjZpaVJNMEpyTTR6eTlsbURZQXdnSWwyYnJEa1U4U3VpdUtQanJuUFFUQUwyczdVcGU2d0NnNV9sTVRkR0cyU3BpOFJhcE50OXI5VFNNaklGdjNYakhyTGp2UnFpTXM3RmgtdWtsTEFrY3NaaEFfX0R5c0k0Qk5F?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60346 (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/58.json (key "60346", 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=60346
- 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