# UNIVERSITY OF ILLINOIS COMMUNITY
Champaign, IL · NCUA charter 60583 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/university-of-illinois-community-60583

Who the members are: state charter, organized 1932, low-income designated. 64,655 members of 821,900 potential (7.9% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 81.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $767.1M |
| Members | 64,655 (2.4% YoY) |
| Full-time staff | 177 |
| Net worth | $73.8M |
| Net worth ratio | 9.6% (p35 of band) |
| ROA (annualized) | 1.08% (p77 of band) |
| Total delinquency | 0.66% (p57 of band) |
| Net charge-offs (annualized) | 0.73% (p77 of band) |
| Loans / shares | 89% (p77 of band) |
| Cash / assets | 8.2% |
| Borrowings / assets | 1.56% |
| Net interest margin | 4.31% (p93 of band) |
| Operating expense / assets | 4.96% (p94 of band) |
| Vehicles % of loans | 39% (p71 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 78% |
| Third-party paper % of net worth | 257% (p84 of band) |
| Vehicle delinquency | 0.49% (p42 of band) |
| Vehicle NCO | 0.84% (p51 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 12% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 21% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 24% |
| Average share balance | $5,987 |
| Participations bought / yr | $44.2M |
| Participations sold / yr | $0 |
| Participations outstanding | $37.4M |
| Loans outstanding per 100 members | 81% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $11,888 |
| Loans granted, annualized | $187.0M |

## Participation posture (from the same filings)

Bought $44.2M and sold $0 in the latest annualized quarter; $37.4M outstanding purchased (50.6% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 7.7% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, expense trap, loans>95% of shares, 3rd-party paper>100% NW |  |
| 2016-06 | 5 | charge-offs p90 |  |
| 2016-09 | 4 |  | charge-offs p90 |
| 2016-12 | 3 |  | loans>95% of shares |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 6 | delinquency 2x band, loans>95% of shares |  |
| 2017-09 | 7 | charge-offs p90 |  |
| 2017-12 | 5 |  | loans>95% of shares, charge-offs p90 |
| 2018-03 | 6 | losing money |  |
| 2018-06 | 4 |  | delinquency rising, losing money |
| 2018-09 | 4 |  |  |
| 2018-12 | 5 | charge-offs p90 |  |
| 2019-03 | 5 | net worth falling | delinquency 2x band |
| 2019-06 | 5 | members leaving | net worth falling |
| 2019-09 | 3 |  | thin capital, members leaving |
| 2019-12 | 3 | thin capital | expense trap |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | margin squeeze |  |
| 2020-09 | 5 | members leaving |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 6 | net worth falling |  |
| 2021-06 | 3 |  | charge-offs p90, members leaving, net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | thin capital |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 3 | expense trap |  |
| 2023-06 | 4 | net worth falling |  |
| 2023-09 | 3 |  | delinquency rising |
| 2023-12 | 4 | delinquency rising, loans>95% of shares | net worth falling |
| 2024-03 | 5 | thin capital, losing money | loans>95% of shares |
| 2024-06 | 3 |  | thin capital, losing money |
| 2024-09 | 4 | loans>95% of shares |  |
| 2024-12 | 3 | losing money | delinquency rising, loans>95% of shares |
| 2025-03 | 2 |  | losing money |
| 2025-06 | 3 | loans>95% of shares |  |
| 2025-09 | 2 |  | loans>95% of shares |
| 2025-12 | 3 | net worth falling |  |
| 2026-03 | 2 |  | net worth falling |

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

- 2018-03-28 [U Of I Community Credit Union Merges With Credit Union Serving Carle Employees - Illinois Public Media](https://news.google.com/rss/articles/CBMisgFBVV95cUxPYTMxV09hb3FGMWc1N1FZQkJ2TVNEMS1tNGlITVBKZmMyby1iMWNkNWpGMllhTkJEN0REM3JkdkVTRmhUd2pZZjR2Q2c3Zlktd203YklMUkxLQXkyUlBfNGppeFlhcDlrYllhYlMzZHc2YU5wWS1sRG9Vb20wMEFVVWJoNnRURnU1MTBlVFBKNDd0V1RTWTRPa2ZsNWM1RjRkUi1kQmhZanlFLWttajFPc3R3?oc=5) · Illinois Public Media
- 2022-06-15 [University of Illinois Community Credit Union focusing on overall wellness of members - WCIA.com](https://news.google.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?oc=5) · WCIA.com
- 2024-06-04 [Peggy Schaffner Obituary (2024) - Champaign, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNMlBHV0dlbHBfblhxMnhMNjdYRXJBMU9ucVo0anZBWTEzUk52NFVPMjNBWHZ4T2hnbXA5VTdnZTViTjFyM1h3YVRxWWt6Q1gtcVZYbW5sV2V4cWp0dkxmVVZKQkVYd29UNjAxQXRpS08zcDlzcDJjOW8wcjJVb0pGQi1HeXdsbDNCTE16SzNKNWgzZTZITlE?oc=5) · legacy.com
- 2026-08-28 [Breaking down credit reports and their importance with U of I Community Credit Union - WCIA.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxQWElSMTF6cmU1cHl2SlpRZFFTSWd1Y2o3TjZRR0VxYmdQZWlNaHltNjVQVU1oLTFncnpHa193MGh1YmhBVEh3blNuVFQ0UVo4d016T3FsN1UyTkNFOHhfTzYyaFRobjlSWm9YeXU3UjhQMS1leWZGRVh6LTFjNk9XSGp1S0xRYmtMUzIwMi1vRzRfX3VlSjdBdkQzNTZ6emNhdGFHNTNocmtjYm1kV0JqNXhEU3NXc1hiZUdjd3NR?oc=5) · WCIA.com
- 2020-05-19 [Business Ledger honors 73 companies as Best Places to Work in Illinois - Daily Herald](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNWEN3UFJMRTBBZzFMSUNpeTREZnF0SUdEVkVTNFNCWmt2WVNrTnR6c1FQNWtGLUFEUGRWcFJva1FFM2VKdzVCV1JKZG9GcGIwMUZRbUlUWC1ia3B0WW51dHRoZjhxajUxY050Z1laNmN6cjhBVlU5WVJsd1hRV0h0RzdJME5ITm5uY1VpU0JLYjJCcnlQazYyMnhna1RYUHRhS3dTNnhuRU9reV9lR3NUUXZQUENLdmhG?oc=5) · Daily Herald
- 2024-11-12 [Festive lights ‘GLOW’ at Allerton Park this holiday season - WCIA.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOYkhodFpvMXN0RFVGMjg4SnRDR2h6QTNURVlmN3lzNjFpN2M5WmdpTzlzWGRQUjJpbGJjTnBVN21Ga0dzdF9YZnNpTlpJZS1RMF80UFNZcTZITFFDM2p5N0JKNHhJb244Nk1hZUlGQXoweW44VHptZXZYRGpVdlhnTjluUTltVzEzQXA2U2tBRzg0OER3THl4Wk5lTEvSAaIBQVVfeXFMT1hBa3cyZ2hheGRXTGxXd3diWGc1N3JQWHlMYzB6VTF0aGh0UXhFcDRwQ3hXdEZlSTdIckxIU0R3ZllOT3duU0w1TG9YdWhYR0tob29LODl4cEtlRDFFNWF1Q0IxQ2E1SDVRd2pBWWlUS2tfdkVkSEx5NmlMa25xNjNrZldtWC1hWDd2alRweFJRMjdFZTNGdUhlWjVsWGtxeGl3?oc=5) · WCIA.com
- 2024-11-24 [Here’s where to find holiday lights in Central IL: - WCIA.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNUWNBblg3eEQ4WWZKMm9aSEJmSVR1ZXFYZFl1ejNybWV0clBZNEN4VUxUVlhJLVZhcU9zXzBUZThKNkF0cGRDV1MzMHZnTFl3QVBKaXlzR2FobHBLSTdEUEQ0QVc3d2EyaVRGbWlCcnRpZnJ6STJqUTdtM0JMbnF2RVZLZFd3dFNjbEZMYWpwXzduQ3fSAZgBQVVfeXFMTXZQZ2I1ejJJbTZwRVNBcGFacExib19GMFJQbk5IdkVINVg2eHVrbHRWRUhLc2VENGlxSlI3LXBwdlFZbmNzNUFhbUhOc3lhX2owalBTTHA4QkpqaHJEX0FtUFFteENGYmFTVEs0ODgxVC1MX1c4VWxXWFRkWDhwejgzNTNkVjBBemhhRy02ZGZ0YkZRTFlSRkc?oc=5) · WCIA.com
- 2025-11-16 [Where can I find holiday lights in Central Illinois? - WCIA.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQQWRRYU94dDRHUk51SGVkTkIxbDAxU1RBTDZvem1UVU9xMmxNMlFYbHRRNVRSVWRUbENMcGRySWpuM0dpcDN6V3A3NjNkTkgzVHEyMHFEaTU4YkhfOTRXTFFBQkdtS2N2bWZOUGZlbFlNVUhLLW82Ym5mLThFVDhMQ0Q3RXd1aXNYTWc5UGN0Vk1DNFA3OS1r0gGcAUFVX3lxTE1YeHBZTGZGZk9XRmZ3NVlzUXRVbElZdjVBM1FJc0Iza0pNM0VORk5zdlZqcDVhOFpLakwzTExieEFiWGlENmduOFNpaGNkeWYtV0w0U2hqU3BmamZhRmFKOXVJYzdKQmY5eFNHZ3hzdnV6Tldxa3hxbmZZemJuelV4Vms5NFFVXzFZbHE3NFVHV2E2WEhEMFc2NzUtNg?oc=5) · WCIA.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60583 (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 "60583", 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=60583
- 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