# LEYDEN
Franklin Park, IL · NCUA charter 60419 · asset band $100-200M · latest filing 2021-03 · stopped filing after 2021-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/leyden-60419

Who the members are: state charter, organized 1955. 4,276 members of 100,000 potential (4.3% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 333.

**Verdict on the desk:** this could be *too clean*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $100.6M |
| Members | 4,276 (-2.2% YoY) |
| Full-time staff | 16 |
| Net worth | $8.4M |
| Net worth ratio | 8.3% (p28 of band) |
| ROA (annualized) | -0.16% (p6 of band) |
| Total delinquency | 0.24% (p42 of band) |
| Net charge-offs (annualized) | 0.61% (p90 of band) |
| Loans / shares | 22% (p3 of band) |
| Cash / assets | 35.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.51% (p5 of band) |
| Operating expense / assets | 2.03% (p9 of band) |
| Vehicles % of loans | 40% (p52 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p21 of band) |
| Vehicle delinquency | 0.01% (p12 of band) |
| Vehicle NCO | 0.81% (p85 of band) |
| Repossessed % of vehicle book | 0.00% (p34 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 3% |
| Average share balance | $11,149 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 333% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $1,444 |
| Loans granted, annualized | $4.3M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | repo signal | net worth falling |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 2 |  | repo signal |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | thin capital |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 4 | thin capital, margin squeeze, delinquency rising |  |
| 2020-09 | 3 | loan book shrinking | net worth falling, thin capital |
| 2020-12 | 4 | thin capital |  |
| 2021-03 | 5 | net worth falling, losing money | delinquency rising |

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

- 2026-06-01 [Community news: Concerts in Oak Park and La Grange, Leyden artists lauded, more - Chicago Tribune](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPVmQwdHJ4dndKdGJLSHltVnRNMmhObnlXQ2FvOW1LbU1fWWF5TzNoczRJRlJSc19XRlZjZ0tTczJOQ0hOcW0yTnVrbW1aa2hBQ0dMempqMDRyb01kczhON3d4bUM3aWZ3QWxVM1JRS08wOEY3bnJKR2JfUWF2VDYxQ2RRV3FiZW4xTjdTTnZyVkxPV2JPZFllaWNkendWWGNXV3dJNXI0aUh0SHlXdTJDTTBJdWNIZmU4cElz?oc=5) · Chicago Tribune
- 2026-03-02 [Midwest Members Female Athletes Of Month For Roxana: Skiles, Murphy Earn Top State Wrestling Honors - RiverBender.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQZXhfOXF6TzBpaldqd1RILTh4V2J1amJtM29GdkxkVVhhVkdyRFZVNzMwdEtPVDBSYllfaVdhV1F5NG5UU0lNQUVkVTFXS1JMT3lDTkFGOTFCb1ItN0g3MU4zRmxoRjlSdXJnUDBtSDBiNUZpQWlIRW5GcHA1U0gxdWExaDYzc0x3ZDBPS0w3cTNNVVY2YWJLUXZXSXZJU3hHbE9TSnl2X2dHcXd1b1ZmYndYNTNlY2pDNThGVlVZMk5BZFplQWliNnBNeWdHaWNjOXBBcW1JU3YtQjVWem53?oc=5) · RiverBender.com
- 2024-09-25 [Shaya Prager’s Opal on track for court sanctions in $106M foreclosure - The Real Deal](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPLVM3b29SRklUa2hpZ0tEOUtpUmNOZ3l5Y1Z5SVVvRm5BYlhCVHpoTFZzZW91R0hyWmpwNFZWdC0zRHN4NzcySU1SZ0NTejc2QlFSbmdLUE5wSmFUc0t2UGQwQTBnTVdLSmthZFRjeXU2a1ZMcFM0eUFSTnFLY3pwQV9EalprbEVBQ25tbFZSd3dnSnV1d1dma3UzN2ZoOUZGSWFJcnlJTzhrdw?oc=5) · The Real Deal
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2025-01-08 [A round-up of Shaya Prager’s latest legal drama - The Real Deal](https://news.google.com/rss/articles/CBMifkFVX3lxTE0zckdENUZObGF0S01pNjRpWElIUnd3VzhkTkZwdEpvckk3a0dnNG1fdkNnZjctZ0ZhYTNFTElTOUI1X0FSVl80OFNsbUNXUldJMHQ1TVBNbWJEbGIzOU1VR0ctWTVZbGZDMGJmQk9JZU9vUnFpcGQtVW1hUk9PQQ?oc=5) · The Real Deal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60419 (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/3.json (key "60419", 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=60419
- 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