# A.A.E.C.
Arlington Heigh, IL · NCUA charter 60648 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/a-a-e-c-60648

Who the members are: state charter, organized 1955. 4,513 members of 1,000,000 potential (0.5% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $118.6M |
| Members | 4,513 (4.2% YoY) |
| Full-time staff | 9 |
| Net worth | $15.2M |
| Net worth ratio | 12.8% (p65 of band) |
| ROA (annualized) | 0.58% (p41 of band) |
| Total delinquency | 0.07% (p5 of band) |
| Net charge-offs (annualized) | 0.16% (p28 of band) |
| Loans / shares | 49% (p16 of band) |
| Cash / assets | 39.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.55% (p5 of band) |
| Operating expense / assets | 1.99% (p5 of band) |
| Vehicles % of loans | 20% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.01% (p6 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 69% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 29% |
| Average share balance | $13,838 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $21,804 |
| Loans granted, annualized | $10.2M |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Illinois - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxPcmxtWHBLTjFUTXlzd2Z4OFNTQngzOU0zNnRGSVNfS3JTWUVrajczNHZmMzVzVDN0eHpoZ05aOTE3M1FSQ3FjQlNBMUYzLWdkWi1Fc0RVOTNzaGY3MlNVaUpPZm5QNVVLcXNweXV6a1diV1daaVdCV1FHa3YzeEd5dkFRNk0wbVRkemtFTlU4aw?oc=5) · Newsweek Rankings
- 2023-03-18 [5 Hurt, 1 Seriously, When SUV Crashes Into Sign in Arlington Heights - NBC 5 Chicago](https://news.google.com/rss/articles/CBMimgFBVV95cUxPM0djY3R4T2x0b2NkY0Z5a0loUFBzMEpfOXBna2NfUHoycUo3bHdWdHZ2aGt3OHFjN0lYWDJBSXJyY1hILWVLZkRUMU5teGhkRERhOVkwSzl2RE15MVp2c3dyM2dyVnZCZG1vOENvMWZOZU1zUlpWenJrY19ha0I2aC1aTHlXaVlzMjVHV2xjT0QzY0FsbDJhb2l30gGiAUFVX3lxTE9TdnJSb2I5OXlhcExYa0RYM0lmZ0toemEtUVFFb1ROOUVaZHV0SWJmU25HSTFQOUJ3ZG4tcGlWTjlIdktqUnd1Y0lNWl9hZ01UVVE4d2dqTVJrbmpORXVDczBycTFtSjZsNFZaeGJwYVlhWHVpY0RMdXhfS0ZEX3ZYWXR4RkdJaWhnaUpKRGZIU2loamR0TTl3d0tvZEdmY19sUQ?oc=5) · NBC 5 Chicago
- 2024-08-29 [Carmelo Gonzalez Carlos Obituary | Countryside Funeral Homes & Crematory | Bartlett, IL - Tribute Archive](https://news.google.com/rss/articles/CBMif0FVX3lxTE1NMjQ4TjRUUHgxazNEaUlGczl4c1UwaWdMVkJkMUxSSTVQNFZaM1hLM0lRaXVLLW5rbnh4VkdkY1NRUDFtOHhVU2loYng0Qld0VUVVN3lCaWpILTg2WEh2Q0t0NFlIX0xIRnNvd3V4Qmk5RE42N1pwTUpSUWUzRXM?oc=5) · Tribute Archive

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60648 (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/40.json (key "60648", 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=60648
- 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