# WESTERN ILLINOIS
MACOMB, IL · NCUA charter 60519 · asset band <$50M · latest filing 2022-06 · stopped filing after 2022-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/western-illinois-60519

Who the members are: state charter, organized 1959. 2,926 members of 110,000 potential (2.7% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 1915.

**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 | $34.6M |
| Members | 2,926 (-5.3% YoY) |
| Full-time staff | 7 |
| Net worth | $2.6M |
| Net worth ratio | 7.5% (p10 of band) |
| ROA (annualized) | -0.70% (p12 of band) |
| Total delinquency | 0.00% (p18 of band) |
| Net charge-offs (annualized) | -0.05% (p14 of band) |
| Loans / shares | 43% (p40 of band) |
| Cash / assets | 57.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.90% (p30 of band) |
| Operating expense / assets | 3.12% (p57 of band) |
| Vehicles % of loans | 91% (p97 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 11% |
| Third-party paper % of net worth | 83% (p95 of band) |
| Vehicle delinquency | 0.00% (p36 of band) |
| Vehicle NCO | 0.01% (p70 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 8% |
| Average share balance | $6,333 |
| Participations bought / yr | $914,000 |
| Participations sold / yr | $1.7M |
| Participations outstanding | – |
| Loans outstanding per 100 members | 1915% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $242 |
| Loans granted, annualized | $7.7M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, charge-offs p90, auto monoline |  |
| 2016-06 | 2 |  | charge-offs p90 |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | delinquency rising |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | 3rd-party paper>100% NW | thin capital |
| 2018-12 | 3 | delinquency rising |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | assets shrinking |  |
| 2019-09 | 3 | loan book shrinking | delinquency rising, assets shrinking |
| 2019-12 | 5 | losing money, margin squeeze |  |
| 2020-03 | 3 |  | losing money, margin squeeze |
| 2020-06 | 5 | thin capital, margin squeeze |  |
| 2020-09 | 6 | net worth falling |  |
| 2020-12 | 5 | members leaving | 3rd-party paper>100% NW, margin squeeze |
| 2021-03 | 8 | losing money, margin squeeze, delinquency rising |  |
| 2021-06 | 6 |  | net worth falling, delinquency rising |
| 2021-09 | 6 | delinquency rising | losing money |
| 2021-12 | 4 |  | members leaving, margin squeeze |
| 2022-03 | 4 | net worth falling, losing money | loan book shrinking, delinquency rising |
| 2022-06 | 5 | delinquency rising, members leaving | net worth falling |

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

- 2026-07-04 [Nancy Barry Obituary - Chatham, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5BRFFlWWF2bllLdEdRZTdfY2pYeWN0Tm96NmR2TFhlbXNUUjJVblA5b3Y4d0tyVWt1a1pQaGtKdjVHZUxSWEZDaklYN1NYUzFlMkNKWVpKTnVJTXBncUpHYmdDVTRaS2ZkOWlxekpCVnY1YmtwbjZfNDAwT2k0b3M?oc=5) · Dignity Memorial
- 2026-01-06 [Kathryn Sue John Obituary (2026) - Macomb, IL - Dodsworth-Piper-Wallen Funeral Home - Macomb - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxPWWlZZ0FNTDF3RnA1LWdYVTl0NlVaTjJKSERIX1N3dU9fRHpwT1pTZVRHMUk3NFhDeENkVWNiNGc4TDM1Q2dlV0pNamlQcmRQZ1hiX3BVYmlkVmpFWFJxX3hTMWNKUGk1eDJlNUp1TUFBYlpZMG1OR2NKSUlHdDh1aw?oc=5) · Legacy obituary
- 2023-05-25 [Obituary information for Edward Hamilton Sibbald - Joiner-Anderson Funeral Home](https://news.google.com/rss/articles/CBMihgFBVV95cUxOd05yMFNydHd1VlUzdEFQZWlGX05wclprcHA2WHlUQ2JyUGQ2cDlIRHlnaEp6QWdSTFVVeHR2Ym1PSnQ0ZkFtdXd1bEpaMk5CXzk5Ym5WTjNGQTJiSEIxaDVVYWRYcFNuNmZFOVN2Uk1GR096cDhGRXRkZlZHTnZFYm84UVRfZw?oc=5) · Joiner-Anderson Funeral Home
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2025-09-05 [New Bet365 Bonus Code SILIVE: $300 “Bet and Get” CFB promo! - SILive.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOaGFScktVcUR6RW9ycGk4MVcxZlpQb0FPd05VWW9WNTRYQTJlMG5RZ013RXRWdGhXcFRNUDdSVWxfRU9FOUFFUGhMbEZhRjlBSGY1V2lzVlRIYUhGclg2ejBqWFpxeUppZ0Uyc2M5SGZic3YxUTdGbXhYNHFlRUxKaFRjbHYxYnBtbTJuNExlalpkY05KMDNBdE9uOWFSLW8?oc=5) · SILive.com
- 2025-08-04 [James Frank Keeney Obituary (2025) - Macomb, IL - Dodsworth-Piper-Wallen Funeral Home - Macomb - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxNWUZiSEktbk5TY1lieXVJUDBQLXRTZkpoNlJ6dE80czdFYWZmOHpOalVKNVZWMUFkcjBvRU9XN2VVNFpFU0paYzJPa3NfRlF0SmwxY3NSUWxtT21tM1hZM2Nwa2Npemp2ZnlPQjNESlNxRmsxdzBoVmp6M0dsSlQzXw?oc=5) · Legacy obituary
- 2015-12-02 [James Belz Obituary - Springfield, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOUXI4WWl5R25HRm5PNElGWExIT1NOanU3VjQ4Y1Q3UjRETEppWlJQWGpyaXp1aGdaX2xvRXp4c0RpQ1F2cnBBNXd0ZjZQUGZpeFRqSDZ0WmhrbG9wTXNnQW9tcHNoakQ2Tjd3em02MlgwUjZoc0lQZW5faHYzNUNzOEVkaw?oc=5) · Dignity Memorial
- 2022-03-02 [Betty J. Derry Obituary (2022) - Macomb, IL - Dodsworth-Piper-Wallen Funeral Home - Macomb - Legacy obituary](https://news.google.com/rss/articles/CBMif0FVX3lxTFBxa0k0TE1sSU52Z3ZZSnB6UGF6NEtlSVdOdVRqRG83bF80aGtaYzVKNVFURjdGTHdHeDRMY0x6M2FYREVCaThvZElVR0RPN3liTWRiODhNcWpVZ004ZTJ2NmFkbVpDejEzNWtuOEw4eFJ4Q3RrMGVkTHFfeDJoQzA?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60519 (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/39.json (key "60519", 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=60519
- 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