# BRAINERD B. N.
Brainerd, MN · NCUA charter 60436 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/brainerd-b-n-60436

Who the members are: state charter, organized 1940. 6,689 members of 6,823 potential (98.0% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 24.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $124.4M |
| Members | 6,689 (0.7% YoY) |
| Full-time staff | 18 |
| Net worth | $13.5M |
| Net worth ratio | 10.9% (p39 of band) |
| ROA (annualized) | 0.27% (p22 of band) |
| Total delinquency | 0.31% (p24 of band) |
| Net charge-offs (annualized) | 0.01% (p9 of band) |
| Loans / shares | 57% (p28 of band) |
| Cash / assets | 47.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.70% (p7 of band) |
| Operating expense / assets | 2.82% (p21 of band) |
| Vehicles % of loans | 17% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.59% (p52 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.37% (p93 of band) |
| Real estate % of loans | 75% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 33% |
| Certificates % of member funds | 42% |
| Average share balance | $7,935 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $39,000 |
| Loans granted, annualized | $11.1M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 1 | net worth falling | delinquency rising |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 0 |  | margin squeeze |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | delinquency rising |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | net worth falling |  |
| 2022-09 | 1 |  | net worth falling |
| 2022-12 | 2 | delinquency 2x band |  |
| 2023-03 | 1 |  | delinquency 2x band |
| 2023-06 | 2 | delinquency 2x band |  |
| 2023-09 | 0 |  | delinquency rising, delinquency 2x band |
| 2023-12 | 1 | delinquency 2x band |  |
| 2024-03 | 3 | net worth falling, delinquency rising |  |
| 2024-06 | 1 |  | delinquency 2x band, delinquency rising |
| 2024-09 | 2 | delinquency 2x band, delinquency rising | net worth falling |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 0 |  | delinquency 2x band |
| 2025-06 | 1 | net worth falling |  |
| 2025-09 | 2 | repo signal |  |
| 2025-12 | 0 |  | net worth falling, repo signal |
| 2026-03 | 1 | delinquency rising |  |

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

- 2026-06-05 [Tech recycling event offers disposal of personal devices - Brainerd Dispatch](https://news.google.com/rss/articles/CBMiogFBVV95cUxNcWtzVGFQVDR0QlpmaFpiREtXRmNDVnhTcnJjQTJXMHlHVzVLTTZBYWl1aU1IVjNvb0w2enIxVzFSU3UwQ3hHdjhwUkZIenNCUVRuclBidDFXR1p1V01iRnhja3p2UnlMM2hzRDRSVk9BVDlneWVOUzJkb2owVmp3OTFGSEp3VmVfTlBSTV8yUWJiQ01INGhsVjlfTUdDeVZvY0E?oc=5) · Brainerd Dispatch
- 2025-10-23 [Brainerd Area Co-ops Come Together for 2025 International Year of Cooperatives - Lakeland PBS](https://news.google.com/rss/articles/CBMinAFBVV95cUxPM1Rvb2pMUl9pTXdYdFlLeTl1Sy1laElnT2V4b1RVSTZLODVJRjVDVXU3WlR0Q3RoRjBNVzhVMHY3RFR5cjNQaVhYSlJiWk0yMXJhUGx5TXFENllqYlFoNm1hNmJpNGlRMmJpVnBuMVBjNlZrRE80aERHVUh6Y1E0QkpMdHA2Z3ZUQzd0MlNQVEF5UjRadURzdVlEOWc?oc=5) · Lakeland PBS
- 2025-05-19 [Free tech recycling event set June 10 - Brainerd Dispatch](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNeGR1V2RkV0o0aTVyTGhxMVBCMUtuVTJpbzB6X0ZWODFZOVRwaG52MDZKLV9ndTloMWNWV080VUcwTzBSa3RIZHdmaDdyTDZ1SW11aE9OcWI4OW1XZXVBeUt4MWhvVk9XTk5HQUxVaEhDYnhyS1phUnd2czlobkpxaGtBSHJXc3BD?oc=5) · Brainerd Dispatch
- 2026-01-12 [School Board split on vote for 2026 chair - Brainerd Dispatch](https://news.google.com/rss/articles/CBMijgFBVV95cUxNb2VOSFREMVlFNEFhTmdjS3hnTXZWa3FWV1d1bmhDUGc1eHRwU2JfVi1Za1Z1RW9rZ3laU0d4bnFOUm1zTUJEYmdXTDZqdFJxNk9CVTQ2eDBDd0JuSEJtT3FzZ3lyNVFKcDY1cUJISmc0bnhqMWRZNndVbGJ0UnBQYkFsYnJfSGNsaExrY2Rn?oc=5) · Brainerd Dispatch
- 2024-04-26 [Brainerd council issues permit for new downtown apartments - Brainerd Dispatch](https://news.google.com/rss/articles/CBMipAFBVV95cUxPLXNzNDVscEZYRTQzTmlRZE45MXd1US12czRmdkluTnk2S01kQlVNc0dpaWFQNENTajJyMlBNQU02Uk1ZNnVHa3FmeTd3aUU0ajNNd2FYeWx1clVnbWI4US1IUkQ1cmpmZU5JTnFDRmpkR0ZpeWdqclZsY1YwbTBvQnFMTlk4Zjk1QU1veUdTVTlubFlhRUJ6dktTMDh3cGR5aWZ4VA?oc=5) · Brainerd Dispatch
- 2023-01-13 [Brainerd School Board discusses student achievement, summer school - Brainerd Dispatch](https://news.google.com/rss/articles/CBMirgFBVV95cUxOQmU2NkJXZF9iRTFBQ3BWUU5UYWcwdjhPQXZPSXlEQlZjYkx3TEtGT1ZUYkhfUVhCdFpFWTFJczlhU0hPdHpDODdOanpTOVQ1cnhFTWhDY3QxZkdQdXR1czhvWWtuZmdIQWVDWEZOWG5vNksyMlUzVUJ2Q0FUZ3VJaldzSzJnalgwV3AtM3NvT0h3NzcybV9iWWlXd1NsSEo0NUhOQ3lSRk9oNmRqTUE?oc=5) · Brainerd Dispatch
- 2023-09-15 [Brainerd School Board discusses preliminary 2024 levy - Brainerd Dispatch](https://news.google.com/rss/articles/CBMingFBVV95cUxOSk9jTEVuNVluYURkNlZBLTR5aURjeEczdWxpTjhGUVVzVExsUExMRDlBdHcwWG1Fc1ExdmdaSkFDaXhfZDg5VUdJaFFTdVdDQk5Sb0NUTTJzZzNrOF93NkQyaFVsV2luekoteWdQMFhHVEpMVnpFcWVlR2lJdkd5eUNfMHljY3dQLU9uZFR3azd6RkVIWlctVy1qZ1hEZw?oc=5) · Brainerd Dispatch
- 2019-10-13 [Brainerd Fire Dept. to launch CPR notification app - Brainerd Dispatch](https://news.google.com/rss/articles/CBMikAFBVV95cUxOaldHbHNrTnA5bFRtOWtMeHcyQ01YeHNkNTBvVTNxejVDZHJHbzRoMnpxTWJ1ZjQ4d2VJYURybmRDcVN4S2c0Rzl1UDJZN29PVnJtVk5UVkZvNXAtLW53MXlvUkkzQnNGRWs5WFZudGROb2Z6X1VBUHoyS3BUV0pHd1FweTlkWkQ5VnVSX1NuQV8?oc=5) · Brainerd Dispatch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60436 (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/20.json (key "60436", 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=60436
- 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