# COLLEGE AND UNIVERSITY Chicago, IL · NCUA charter 60688 · asset band <$50M · latest filing 2026-03 · live Share link (named URL with a preview card): https://getbookiq.com/cu/college-and-university-60688 Who the members are: state charter, organized 1967. 358 members of 2,500 potential (14.3% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 7. **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 | $1.4M | | Members | 358 (1.4% YoY) | | Full-time staff | 0 | | Net worth | $156,748 | | Net worth ratio | 11.5% (p26 of band) | | ROA (annualized) | 0.45% (p44 of band) | | Total delinquency | 0.46% (p42 of band) | | Net charge-offs (annualized) | 0.00% (p37 of band) | | Loans / shares | 11% (p3 of band) | | Cash / assets | 89.0% | | Borrowings / assets | 0.00% | | Net interest margin | 2.98% (p18 of band) | | Operating expense / assets | 2.53% (p20 of band) | | Vehicles % of loans | 32% (p20 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% | | Third-party paper % of net worth | 0% (p43 of band) | | Vehicle delinquency | 0.00% (p16 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 | 0% | | Unsecured % of loans | 68% | | Commercial % of net worth | 0% | | Core shares % of member funds | 100% | | Certificates % of member funds | 0% | | Average share balance | $3,384 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | – | | Loans outstanding per 100 members | 7% | | Loans granted per 100 members, annualized | 1% | | Average loan balance | $5,507 | | Loans granted, annualized | $28,000 | ## Flags firing in the latest filing - **net worth falling** (`cap_falling`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2016-03 | 2 | losing money, delinquency 2x band | | | 2016-06 | 3 | charge-offs p90 | | | 2016-09 | 3 | | | | 2016-12 | 3 | | | | 2017-03 | 3 | net worth falling | charge-offs p90 | | 2017-06 | 4 | charge-offs p90, assets shrinking, members leaving | delinquency 2x band, net worth falling | | 2017-09 | 3 | | assets shrinking | | 2017-12 | 2 | | losing money | | 2018-03 | 2 | assets shrinking | charge-offs p90 | | 2018-06 | 1 | | assets shrinking | | 2018-09 | 1 | | | | 2018-12 | 1 | loan book shrinking | members leaving | | 2019-03 | 2 | losing money | | | 2019-06 | 3 | net worth falling | | | 2019-09 | 4 | delinquency 2x band, delinquency rising | net worth falling | | 2019-12 | 1 | | loan book shrinking, losing money, delinquency 2x band | | 2020-03 | 1 | | | | 2020-06 | 3 | delinquency 2x band, members leaving | | | 2020-09 | 4 | net worth falling, losing money | delinquency rising | | 2020-12 | 4 | charge-offs p90 | delinquency 2x band | | 2021-03 | 4 | margin squeeze | charge-offs p90 | | 2021-06 | 3 | | losing money | | 2021-09 | 1 | | members leaving, net worth falling | | 2021-12 | 1 | members leaving | margin squeeze | | 2022-03 | 2 | loan book shrinking | | | 2022-06 | 5 | losing money, delinquency 2x band, delinquency rising | | | 2022-09 | 4 | | members leaving | | 2022-12 | 3 | | losing money | | 2023-03 | 3 | | | | 2023-06 | 1 | | loan book shrinking, delinquency rising | | 2023-09 | 2 | loan book shrinking | | | 2023-12 | 2 | members leaving | loan book shrinking | | 2024-03 | 3 | delinquency rising | | | 2024-06 | 3 | loan book shrinking | members leaving | | 2024-09 | 3 | | | | 2024-12 | 4 | assets shrinking | | | 2025-03 | 4 | margin squeeze | assets shrinking | | 2025-06 | 4 | net worth falling | delinquency rising | | 2025-09 | 2 | charge-offs p90 | delinquency 2x band, loan book shrinking, net worth falling | | 2025-12 | 3 | members leaving | | | 2026-03 | 1 | net worth falling | margin squeeze, charge-offs p90, members leaving | ## In the news (Google News, unfiltered, newest first; 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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/16.json (key "60688", 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=60688 - 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide