# CONSTRUCTION INDUSTRIES
LINCOLN, NE · NCUA charter 60854 · asset band <$50M · latest filing 2021-03 · stopped filing after 2021-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/construction-industries-60854

Who the members are: state charter, organized 1969, low-income designated. 692 members of 3,000 potential (23.1% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 15.

**Verdict on the desk:** this could be *too clean*. 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 | $2.4M |
| Members | 692 (-1.7% YoY) |
| Full-time staff | 1 |
| Net worth | $259,096 |
| Net worth ratio | 10.8% (p41 of band) |
| ROA (annualized) | -0.51% (p17 of band) |
| Total delinquency | 0.11% (p31 of band) |
| Net charge-offs (annualized) | 0.00% (p32 of band) |
| Loans / shares | 55% (p61 of band) |
| Cash / assets | 36.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.07% (p31 of band) |
| Operating expense / assets | 2.69% (p41 of band) |
| Vehicles % of loans | 98% (p100 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.11% (p46 of band) |
| Vehicle NCO | 0.00% (p38 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 99% |
| Certificates % of member funds | 1% |
| Average share balance | $3,078 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 15% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $11,499 |
| Loans granted, annualized | $434,448 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, delinquency 2x band, auto monoline |  |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 3 | margin squeeze |  |
| 2017-06 | 4 | net worth falling |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 | losing money | delinquency 2x band, net worth falling |
| 2018-03 | 3 | delinquency 2x band | margin squeeze |
| 2018-06 | 4 | assets shrinking |  |
| 2018-09 | 2 |  | losing money, delinquency 2x band |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | assets shrinking |
| 2019-06 | 1 |  |  |
| 2019-09 | 3 | delinquency rising, members leaving |  |
| 2019-12 | 2 |  | members leaving |
| 2020-03 | 3 | losing money |  |
| 2020-06 | 2 |  | delinquency rising |
| 2020-09 | 3 | net worth falling |  |
| 2020-12 | 4 | margin squeeze |  |
| 2021-03 | 4 |  |  |

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

- 2026-02-18 [Marian Slaughter Obituary (1928 - 2026) - Lincoln, NE - Lincoln Journal Star - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxQXzJHakFXbUZYc0pjVnZjcFQ3V3RRWnZmaGNBUnpCbm1LUW4zdzVkTkZXb09HV24teWx2VC1NTTBHOFBrZnlVcUtjSnVzUzdtS2U0ek1UaDFEOWpncFdET09kZHBzbHlwVHJnT1Uzel9zNWlvbnFlYjBwMFZIaDQyZkVnWFpXS0U4WW5Mek9mMTlMX2Z5T1E?oc=5) · Legacy obituary
- 2025-08-04 [Arizona teens get hands-on experience in construction - AZ Family](https://news.google.com/rss/articles/CBMikAFBVV95cUxQVDRPbFR0UGpQT0dCWHhJc0pNVmFXMUtFaXVId2Jod0lNaWIySklIRlJLYmJZSW1Yal9fYlZDdTh2TE5NSXVBZ3NFc3I1a09QV3VEcFhkbDBVU1BfN29hUU16aFNKZ01kaU5tLU1QN0h2SnBUb3dfcHBFWGJ3di10ck84V0xlWVRraUcxUXpoSETSAaQBQVVfeXFMTk4zTHlWZ0pkM2NLaEZRczd6YWt3NFFpQWx0d2FiVlQ5QmlDY0dOWUxDdzJoOHNDZHJJajg1NGpEcG5ucE1SbjNrSUJuYXd5dnhCVFQzcDhsNTQxUVd5RUFxdmhCRHRNc2F4TldSLXh3YjUtb1ZHM2VtcmV1c09CWUd1LW1vVXhvdUdlQnpiamx3THI4dVNWY09KblNlUGFGU2xlYWI?oc=5) · AZ Family
- 2021-10-21 [Rabih Zahnan – Sorensen Gross Company - Blueprint Magazine](https://news.google.com/rss/articles/CBMifEFVX3lxTE16OW8xbG5wRXpQUVdTbHRjaXpqLWxzbzNha0pFLXVBazVfcVNPcGtsdEJ1VXFEVlNmalhCYWdoVVlXS1daeWZyVnYwZ2lhRXoyaUQtZkZhVWVXV0NlSXlXT0gyMTFWT2xNbWJ5SzF3dG45ZDRpMXpNZnl5bkQ?oc=5) · Blueprint Magazine
- 2023-12-14 [The 10 tallest buildings in Lincoln - Lincoln Journal Star](https://news.google.com/rss/articles/CBMikAFBVV95cUxNR1pGYzYzeE9yUjJhUmNXYzd3cENzNXlaMVRGVHRibzhBdkNDdmFyM1hWVnd4bUpsb1g1RDg3Yk5wR1NWVTNWMjE1ZnU1YWJicHhjU3BGU0JlajBHZU9KN2F2YXNRLUxaQmU5MTJsbUtJcDNBRWlBYk9RbXptMnNGX3dQRVVBN1pIbThvVWxwNmQ?oc=5) · Lincoln Journal Star

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60854 (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/54.json (key "60854", 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=60854
- 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