# FINANCIAL PARTNERS
Springfield, IL · NCUA charter 60545 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/financial-partners-60545

Who the members are: state charter, organized 1926. 1,175 members of 75,000 potential (1.6% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $12.2M |
| Members | 1,175 (-0.6% YoY) |
| Full-time staff | 4 |
| Net worth | $908,786 |
| Net worth ratio | 7.5% (p4 of band) |
| ROA (annualized) | 0.52% (p47 of band) |
| Total delinquency | 1.63% (p73 of band) |
| Net charge-offs (annualized) | 0.57% (p77 of band) |
| Loans / shares | 43% (p28 of band) |
| Cash / assets | 58.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.34% (p68 of band) |
| Operating expense / assets | 4.93% (p77 of band) |
| Vehicles % of loans | 71% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 27% (p92 of band) |
| Vehicle delinquency | 2.04% (p80 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 14% |
| Unsecured % of loans | 27% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 16% |
| Average share balance | $6,150 |
| Participations bought / yr | $1.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $244,463 |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $7,388 |
| Loans granted, annualized | $2.0M |

## Participation posture (from the same filings)

Bought $1.0M and sold $0 in the latest annualized quarter; $244,463 outstanding purchased (26.9% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares -2.0% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 | losing money | delinquency 2x band |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 0 |  | losing money, charge-offs p90, net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 2 | assets shrinking |  |
| 2018-09 | 1 |  | assets shrinking |
| 2018-12 | 2 | assets shrinking |  |
| 2019-03 | 1 |  | assets shrinking |
| 2019-06 | 2 | net worth falling, members leaving | delinquency rising |
| 2019-09 | 1 |  | members leaving |
| 2019-12 | 0 |  | net worth falling |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 4 | net worth falling, losing money, expense trap, margin squeeze | charge-offs p90 |
| 2020-09 | 1 |  | net worth falling, losing money, expense trap |
| 2020-12 | 3 | members leaving, loan book shrinking |  |
| 2021-03 | 7 | thin capital, net worth falling, losing money, charge-offs p90 |  |
| 2021-06 | 5 | delinquency rising | members leaving, loan book shrinking, charge-offs p90 |
| 2021-09 | 4 | loan book shrinking | net worth falling, delinquency rising |
| 2021-12 | 4 | delinquency rising | margin squeeze |
| 2022-03 | 3 |  | loan book shrinking |
| 2022-06 | 5 | expense trap, assets shrinking |  |
| 2022-09 | 4 | members leaving | expense trap, assets shrinking |
| 2022-12 | 3 | auto monoline | losing money, delinquency rising |
| 2023-03 | 5 | losing money, charge-offs p90 |  |
| 2023-06 | 6 | net worth falling |  |
| 2023-09 | 6 | assets shrinking | net worth falling |
| 2023-12 | 5 |  | assets shrinking |
| 2024-03 | 4 | net worth falling | losing money, charge-offs p90 |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | net worth falling | members leaving |
| 2025-06 | 4 | delinquency rising, members leaving | net worth falling |
| 2025-09 | 5 | delinquency 2x band |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 4 |  | members leaving |

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

- 2023-06-20 [Forbes 2026 America's Best Credit Unions In Each State List - Forbes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9vRWJOaE5OZ1NrY3RJeUZnWS1yRXkwMUYzYllJMTN3VEQxTWtwNHJGdC1FejkwVF9UT045OWFhQ0NSWmtzTHBJeXZFSFdydTNuc2VyT3BjUGRLcmlWLWhaVHNJUVZMRHNt?oc=5) · Forbes
- 2025-04-28 [7% APY CDs: What you need to know - businessinsider.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxOb3VaSlVzQ0hPLW5sYldGTFlnZWVsckxPclJSUmtreTdpbUk4aDZKWnA3RDRDRFZ5MmxkNjRVR2R5czNqc1RlWGhra0F2eTlJelcybTBrek5ac09ZWTI0MDUzTkFFczktbVg0bVppaGhzN2xEZTRwWlhWRWE0Mi1HY2VqeWY4SFZycWswMUZuVGJxbGw2YTBYUF9kVmU2SkUxX1g4?oc=5) · businessinsider.com
- 2025-08-19 [Caroline Perry – Performance Trust Capital Partners - Blueprint Magazine](https://news.google.com/rss/articles/CBMijwFBVV95cUxNeFZicTZncVRuQjR1UUtPQ1B1OVlVcFZNcXAwclkteVdFcEpxcmFQT3d2R1FhUjNmSmFvQXExR3djNmFPb3ljclZTcVJsWjI0Q3hhS1N2NDB6eFRxTlZpUGJGUHMtZDdYNlp1ZFgtQ0hIZVgteV9oUWlqZ1E2UGpPRzVoemZCQ29YUU1feFVoZw?oc=5) · Blueprint Magazine
- 2025-04-08 [Want a CD paying 6% or more? Try 3 Southern California credit unions - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMitgFBVV95cUxNOEhydzBqSm1jU05pR1ZqTHZZa3VyaUs1OXlEbC03bmJORHpVcnVBOVB3WUo0YVV2Q29IdFRCV2dodXU0WUgyUnVvQkJUTnlnbUFlTVVNckNxbFY0dFY2QW02c0JGQ2JCcVpXay0tMG53V3I5NFpzSHBTa25wWG1oNHpoU3hLY09xY0Z6eFJfamtIZVZyY0pfYk5sdl9vb19wMnJMTTNseFFHbmxBZ25sTTZZTXlidw?oc=5) · San Diego Union-Tribune
- 2020-02-29 [Best 1-Year CD Rates for September 2026: 4.36% APY Still Available - Investopedia](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBWdHhPbWJzNDJGd2pXNGZ2Y0wwSWlibkFqU1BJV21xNk04a1RKdlNFUXdCa3gzUGVoUlJHaWo4ZXdjeUxVdGpGSC1tcXo4VHNkekVuSDd5LTZOMHJIdG1QY0FxWjdqXzBa?oc=5) · Investopedia
- 2023-08-16 [Springfield man arrested in Credit Union robbery - Springfield Herald News](https://news.google.com/rss/articles/CBMimgFBVV95cUxQUl94NV82ZWI3cTRpdktmX0RMNDdQRy1rQkx1YktoZi0yTWNUeVNlVDZ6TXFvOXhYNUhiaHBualRNa0tpWHRuZTYxUThJdjVqbk5NTHpSdW1Xd1BDSkZDbUxBLUcxRVNueEpNTHdvS3pqZWNLb0pjaFJVTU1LWElZdGVTZDhLbTg5S1R0SksxT1VqZTkteVZoWEhB?oc=5) · Springfield Herald News
- 2025-01-09 [December 2024 Financial Advisor Moves and RIA Acquisitions - dakota.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQSFFZV3JOUkxfMC1OZHRBd09GXzVHSU5wVzcxazgtaWdwdHo4M3RHaVdidm9RSUswMHJKWjV4M0xELXN5amtUYWNNQ0xmOHFBdUdvYTl6MVdvbEZrYjZJM3JJYWlxeUdVOW8zLUNHd042T09qLUVXd0RBRGNOVm8zZVUybl9JWUljTnlqWHQ1X0RQU2syajU0UXVkWEM?oc=5) · dakota.com
- 2015-01-12 [Bob Reed Obituary - Springfield, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxNNmRxdUhoMVRpODhMZTNEd3NoR0FaSHBNRG9HX2poVVhxQ0RCYUFjcW9Wd3ZkRmQxVGFiVThlZTA5dE9hX0xNWFN5bmxmRklBVDV4d1RidjU2Slo4VmNRVml6eFdUT2xYU0Y4bWRPZlQwNVlqaENOSFRPb1ptOEx6ag?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60545 (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/1.json (key "60545", 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=60545
- 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