# COMMUNITY TRUST
Gurnee, IL · NCUA charter 60543 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-trust-60543

Who the members are: state charter, organized 1933. 13,417 members of 750,000 potential (1.8% of the field); checking penetration 82% (share draft accounts per 100 members); loans per 100 members 50.

**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 | $339.5M |
| Members | 13,417 (-1.0% YoY) |
| Full-time staff | 49 |
| Net worth | $38.9M |
| Net worth ratio | 11.4% (p54 of band) |
| ROA (annualized) | 1.10% (p76 of band) |
| Total delinquency | 0.09% (p5 of band) |
| Net charge-offs (annualized) | 0.07% (p11 of band) |
| Loans / shares | 45% (p3 of band) |
| Cash / assets | 36.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.14% (p24 of band) |
| Operating expense / assets | 2.79% (p18 of band) |
| Vehicles % of loans | 19% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.00% (p2 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 74% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 24% |
| Average share balance | $9,185 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $468,277 |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $19,933 |
| Loans granted, annualized | $33.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $468,277 outstanding purchased (1.2% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 3.9% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

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

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

- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2026-05-20 [Ascentra Credit Union to break ground in Rock Island on new branch - KWQC](https://news.google.com/rss/articles/CBMilAFBVV95cUxOWjc3OFluUWhqeGs5T2owcDdEbDNnNzN0VXVWWEw5bFlfZU5UR0RLOUtsYzVOY2piMnp2MXJEdjBfNjRmUjhfbUZ4WURHN0pZMC1YWnctcVNoWjdZUWVCNDJuUkFybDB5QXJlRXRLbWh3Z2ZuUnlHcE5UdUFfaFlETkF5Xzd3RVJERm1kNGc3NTdHcVVj0gGoAUFVX3lxTFBlMDBTRnpFOHlGMXVHYlcyMldIck91a1RJMnNsS2RiLUhaX2lPN0F1eUhhX0Z6RG9rdFlDWkEtQS04eGY2Q1RITTNIdExLNjVtdUpuRk9iSkRzUkJyQWdtZ0g5SU1yYktUOVhoM0RvU0RVUlZWaHBNc3BZa21vUlg5QlRxTGhhazliejhyczZYU0N5MnN3SG5zSTRWRDFjLUtoSlZFd0JuVQ?oc=5) · KWQC
- 2023-11-12 [Sharon Renee Meyer Obituary Nov 12, 2023 - Bonnerup Funeral & Cremation Services](https://news.google.com/rss/articles/CBMib0FVX3lxTFBlTFFKN3k2ZWZrR3hiX2UwRHQyNVBtOUJZTXFNNEl6ck5YQjRRVlhHdkpjekpoeVFCaDhXT19lVXc4RDhzN1BJS0dFc0tpS3RVUUJyampHTlZrRnBQUVlQTW9ieHpQdlQ2ak5Xb09PQQ?oc=5) · Bonnerup Funeral & Cremation Services
- 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
- 2021-10-12 [JOHN SALATA Obituary (2009) - Gurnee, IL - Daily Herald - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxPQzhFWkJSQ2hTX3g4eWxTWXJEQU85bVJmTFgzOFZiUGI1UGpEdkk2ZmN6c3lBR3VDVWRYckVaWm5TZkd4T0lVbkhVNThNelVPdHVTSkU4czltMEV6YTJPeW1RTzgtVVlhM0dSMTlhTWpzOU1DWlplSlUyVHNGbW1wYjdNTE5ONnlNR3dhMWltTQ?oc=5) · Legacy obituary
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica
- 2021-10-11 [Diana Thivierge Obituary (2021) - Gurnee, IL - Lake County News Sun - Legacy obituary](https://news.google.com/rss/articles/CBMioAFBVV95cUxONFJkLXFVOW10WE9iY3Z2ZU5lWUFPZXg4MU9JdVhFNDczX3R3dVhrdmJsczNUcU5uckMzcXFTQ0R2d3lyZ09yaUpkRlVnN1JrS0liRFItd283QW5KX3VDdFlhZl9DRXNSVGh4LURPSTFrMjFXMUZDSmF2NjByaDEtb0wxWGFOSTdFSzFKSTZoVmp3dmk4U19UWmRqdEc4Vkhu?oc=5) · Legacy obituary
- 2021-10-18 [Lora Albers Obituary (2013) - Zion, IL - Lake County News Sun - Legacy obituary](https://news.google.com/rss/articles/CBMimwFBVV95cUxNbGM3UlREVFVTZE1zb2o2N3BYRW80b3hiajAyLXhZdEsxS183TTRNd3RBdnNpT08zeDJGa1NPelpxcFpIOGFLd0NKWXh1UW8tN2ZYcUpWN3BjQXJQTmxTa1Q5Z00waEdfZU9seTBiNEctN2pZdDNiV2hJSG85SmZDQWFxcDFwc1AzUUcxanc4QkNlMkZSa2M4cnZPcw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60543 (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/63.json (key "60543", 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=60543
- 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