# THE FAMILY
Davenport, IA · NCUA charter 60728 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/the-family-60728

Who the members are: state charter, organized 1935, low-income designated. 19,735 members of 750,000 potential (2.6% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $248.8M |
| Members | 19,735 (-3.1% YoY) |
| Full-time staff | 65 |
| Net worth | $34.7M |
| Net worth ratio | 13.9% (p82 of band) |
| ROA (annualized) | -0.13% (p4 of band) |
| Total delinquency | 1.12% (p84 of band) |
| Net charge-offs (annualized) | 1.64% (p98 of band) |
| Loans / shares | 62% (p26 of band) |
| Cash / assets | 12.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.89% (p73 of band) |
| Operating expense / assets | 4.18% (p70 of band) |
| Vehicles % of loans | 38% (p62 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 30% |
| Third-party paper % of net worth | 47% (p40 of band) |
| Vehicle delinquency | 1.33% (p85 of band) |
| Vehicle NCO | 4.05% (p98 of band) |
| Repossessed % of vehicle book | 0.96% (p98 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 8% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 23% |
| Average share balance | $5,328 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.6M |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $10,908 |
| Loans granted, annualized | $35.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.6M outstanding purchased (10.4% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares -9.0% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 0 |  | delinquency 2x band |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | losing money, delinquency rising |  |
| 2020-06 | 1 | net worth falling | losing money, delinquency rising |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 1 | margin squeeze |  |
| 2021-03 | 3 | net worth falling, delinquency 2x band |  |
| 2021-06 | 1 |  | margin squeeze, net worth falling |
| 2021-09 | 0 |  | delinquency 2x band |
| 2021-12 | 1 | delinquency 2x band |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 0 |  | delinquency 2x band, net worth falling |
| 2022-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 3 | delinquency rising, repo signal |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 1 |  | delinquency rising, repo signal |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | repo signal |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | delinquency 2x band |
| 2025-03 | 5 | net worth falling, delinquency 2x band, charge-offs p90, members leaving |  |
| 2025-06 | 3 |  | net worth falling, delinquency 2x band |
| 2025-09 | 3 |  |  |
| 2025-12 | 5 | delinquency 2x band, assets shrinking |  |
| 2026-03 | 5 | losing money | delinquency 2x band |

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

- 2026-06-30 [Family Credit Union, Davenport, appoints Hoepfner as senior vice president of lending - OurQuadCities](https://news.google.com/rss/articles/CBMiygFBVV95cUxPalJRbmxwV2loTU9QaVFLSF9PLXRoRTd6VmV1NWg4U29CSUNOeEkzYTBZM0VDNG1rM0pqR3FHLWM1R2dxUVRSSERfZWFYZjVwWlJZZDhJVndWdzk3SGJycjVEMU1nMkhKM2FKX2NuUkozTTdlNWw3VEdXN3Vhb1AxUkNqcW5WZEpJWFExYW44dFZCRW82ZU9rNUpHSDNXenBoOHg4SHg1SDFkT3lJX0pyUWZtMnUxNkVkWDBNUlZabFZvU1VldndVdERB0gHPAUFVX3lxTE9Eb2FIam1kQ212Qjhiblp5NWN4LVNKd3U5Ylk0VGRELTNwWHF4dl81aklVZVZ0cjI1YVJsUkhhZHJxalJNeF9oRjZRX25fNjY0SXlnNE1WM1RvUkVmLWdpOTRhdWY2SG5PSDUwTWp5MS1LQVBsSnc2anlCY05WZnR1cFZreEZDOFVnek5lZmJOWElmUklDQXVaZVNWOXJfSVNHSzRHQVZKNU1jTTlTdWkxSUFiOFJlQ0QyTnNvUldBYXJUTzBta1FvcFhVaG81RQ?oc=5) · OurQuadCities
- 2026-04-01 [Official rules for The Family Credit Union Financial Literacy Month Coloring Sweepstakes - WQAD](https://news.google.com/rss/articles/CBMinAJBVV95cUxNYVNMSHdOcXR4UHZvTWgzWGdla21CUDA2ejBydzB5Y05pa0JDYWxPUXV0ZVJGMGVuekJOelZVcE5pSnhxeVV0X0RBNkM1OVpqVmhWNG1ya05seE5TaGpLTzRYWTR3dXRQaTUtNWlZVjRHbkhFNGRQTHB1S3pReFo1eU84ZDNOdnRWOXp2WTRFWnREcURRY2trMGtHb0tGd0FZLUxQQXZCbVI2djROR2VPbEFSR0FmNDllcmZTOEVRZUw0U2VaOFJNcks0NktQMHFKRTI0T2VqU0EyQ0p2MUl4VWJadmJPWlc1NEM5TG9zT2FqNUMybjljdDFreGdKTWxEZktqZUV5cUZINlM0Ni1pVEJhVjlzOER0VEQ2dw?oc=5) · WQAD
- 2026-07-17 [See Iowa Republican candidates at the annual Family Leadership Summit - The Des Moines Register](https://news.google.com/rss/articles/CBMiywFBVV95cUxNZW50Q2JRU0c4YW8tV1lEeGtIMGJaUEZkdG9NcnhsclF2cHlaa2FpakhVLXJqSGNaYjlnbEFXWWhfLXFyVDlxQ1VxTllrY05nZm9fcG1lUDVvcThYYTBuNVZUb09yamNSWldBTmlVOFUzVmZyRGpITWZSOG94Y0hPWnk1ci05VUFWY1Q4SFp3YkoydEU5MmRmMzBKdTVFanprWWhFVExOMkNTa3QzbnFhand0ZnQ4cml0YnFCM1ZsTFNWWWFmb3RCQ2FvOA?oc=5) · The Des Moines Register
- 2026-05-27 [Iowa students win $48K in Warren A. Morrow scholarships - kimt.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQenpZLTN6ZWlKN3lyRzg3azRyclFPc2E1aTBmNkRUaGlsLVE4VmFkRXlpNGY4OEo2VU5wRVhGNkZ1OFdzNkVRd2tKUmJoRkVwUlM4VFNjN2M4N1IyNDdiVXlQbFpjZ0ZpNmw3cDNiZnk4ZVhUakdleDZSQmtRT190S1lPVW5QUEt2c1lPOWh2MF9lWjM4cVZ6Yi11bnpPWEVuMUFsSjh6ZzdXY3pfaXhYYWlQemcxT2g3cDVvUlVxNG5VX2kzOTJabg?oc=5) · kimt.com
- 2025-10-07 [Family Credit Union names new CEO - OurQuadCities](https://news.google.com/rss/articles/CBMihwFBVV95cUxNTFhwMXloUXhvSUdIMzUxNERXQ3FaOXNlMHMzUTNaUjE5QlQ2TWJxR0ppdTZ6OEVVVUx1Z1MtOVAyUGoxUUdUNWNaM24xX2V3Z3VFRVd5X3RmZFB4WHhnOHM3Y2l5VFduQzVEZVc0Rk5jNUZoTjBDeENGYldnc0RQWmtMT1BwTU0?oc=5) · OurQuadCities
- 2025-04-21 [Family Credit Union names Brandt as new CEO - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMigAFBVV95cUxPVldFQTNGTVJ2X2x0bEFxVnFVaDhpa2tkcVdORkxKcngzYVNlWV9tZFc2VWVSdmMxRnltb21OcUZ0SEFzdjJGR25wUTZWM1h6Vy13YTBYNTRqVVdXcGRWeHJ0MmYxRHRhaHJzOVhNSzN5eEVQMlBEaTRMd0p5LTYxTw?oc=5) · Quad Cities Business Journal
- 2022-01-21 [Davenport Police investigating robbery at Family Credit Union - KWQC](https://news.google.com/rss/articles/CBMilgFBVV95cUxQc3BxaVFuT1BYSmlWenRjT01xeU5zeXVIeXdBVHphMEZoVU94RGFKUzByOEVqaElTeXBOZjB3UC1TQ2FRU2hSYWZ6NHVvMWp4ejlaQ2R6R3RKRDFJUFJEZjMxX21VUGcxQnZOOGxDNENJR2VfMzVxUV9CWER0bnBoNzctd3BKR200M2FHNl9ydFBsUmdBNkHSAaoBQVVfeXFMTWxDaW1UY1FLMFRxSGRVT3hLcWVpck0yUm9MY21OZ0RjUHdNOVRJOG92dzItR1RVUHRJYTdzdE1wck01Ym5zQURYYURDQURNTDZ0MGdxeTFqUEpXTXVXZ3N1SVVFeWc4QkdnZVgxVjl0cHQ0ZEZ1cHpqb3FLZVlfZHJpWVZNRkkzd0U0UmVTVUJmbUR4Umx3anVoMklKN0ZqTTlwZWNLMy11bWc?oc=5) · KWQC
- 2022-01-21 [Suspect in custody for Jan. 21 credit union robbery - WQAD](https://news.google.com/rss/articles/CBMiugFBVV95cUxQSkp5QU1IbFFmSW1XMFE1UmRxVE9oTjZSamRYOERjSi1DcE10MHpBMlZQWVo3X3BoMWNMd2ZnNFJXam5saFI4QjAtaWYzX19TOVBYMGFXWWdSQmljQjhPbnZTNUF6TEtxbG5Fb09mUmpCY2h2c3V5WGZqODlKUk5ZbUVrMXhvQVMyTmR2MU42M0tzeDFaanlsendZbWFaZ0xSc0dKazA2ajB0RHhBa1B2Nmlmb2M1T0tVMkE?oc=5) · WQAD

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60728 (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/56.json (key "60728", 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=60728
- 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