# DEKALB COUNTY
DEKALB, IL · NCUA charter 60880 · asset band <$50M · latest filing 2017-09 · stopped filing after 2017-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/dekalb-county-60880

Who the members are: state charter, organized 1952. 909 members of 1,500 potential (60.6% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 35.

**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 | $5.8M |
| Members | 909 (-1.2% YoY) |
| Full-time staff | 3 |
| Net worth | $442,402 |
| Net worth ratio | 7.6% (p7 of band) |
| ROA (annualized) | -0.67% (p10 of band) |
| Total delinquency | 0.02% (p11 of band) |
| Net charge-offs (annualized) | -0.07% (p7 of band) |
| Loans / shares | 64% (p60 of band) |
| Cash / assets | 11.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.39% (p24 of band) |
| Operating expense / assets | 4.37% (p76 of band) |
| Vehicles % of loans | 64% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.01% (p28 of band) |
| Vehicle NCO | 0.00% (p24 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 23% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 10% |
| Average share balance | $3,928 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $10,833 |
| Loans granted, annualized | $2.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | net worth falling |  |
| 2017-03 | 5 | members leaving |  |
| 2017-06 | 4 |  | net worth falling |
| 2017-09 | 4 | assets shrinking | members leaving |

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

- 2025-04-26 [NIU Athletics Announces Partnership with Rock Valley Credit Union - NIU Athletics](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPbXZYb2lLckVnU0VKd05rVGdoWkE3YXRROS1QbDhlWENPQjl3S09lMmlFNG1qQ2R0Z1dNVVZKVlhHNkhHbEJkYWpUelRVdkxNd3RIVFl3Sk9XUzI3UktkYTFSZDF2QndMb2pwbXBkV2xHcnhwaVVZTUNZZ3ZhclZwSHlBd1dnTGxJT2pwN1owSm9iRDl4VXh5R0t1QUlaVk9GUGpCY3U5UWZ6VGlEdmxDUk40YllWWWJO?oc=5) · NIU Athletics
- 2024-09-27 [DeKalb police arrest Chicago man for robbing bank at gunpoint - WIFR](https://news.google.com/rss/articles/CBMiogFBVV95cUxQNDcwV2JfT1FYLXBlUnprRDJSMEJXZ1lVRmktVkZzVmFLN056MWpSQUh6YzJUUkkzVVpaTkIxb2RiZS1MRDNNVTBXWml1UGU4UzZlVTQxeGhwT3BIQkk4S1czeXZUMjVKdUEzWUQ0RUMyaFBXZUZyUl9EU3BtSGRtMVFoZUFCcTNucndGd2IyZVZpWHdoanZqQmt3QXA3eHYtVnc?oc=5) · WIFR
- 2026-04-27 [Federal agency casts further uncertainty on Illinois’ credit card ‘swipe fee’ law - Shaw Local](https://news.google.com/rss/articles/CBMivgFBVV95cUxQZE94eWpmOGhnUjFicFZpWTJaWDBCbl9ZdWZyUEpuTlE0Yi1yS3FObTdkc0FYOG0yeURaOU9GZkFVRDdyVHBxT2F5UWZmUEtscU9haTI3bEkzdGk2UXZvc2huMFdTeUdHNTEyMVNDVDdsWnZIb2gxeGFHMFVkN2UtdUpRdDZlbUxyR2JiUk5oYWh4ZU5CdzVyVjlZNVFfXzZiSEI4M0t6cXhtZmpxVFBQYS1LM0tjeE9lZjYwUEVn?oc=5) · Shaw Local
- 2016-05-28 [Gilbert "Gil" Farnham Obituary - DefioreFuneral](https://news.google.com/rss/articles/CBMibkFVX3lxTE40bG5tUi1ER3pmek5UTzBDWG9uRVFwX1JLaVNzSzlMZzB4S25ra3hxUkQ3RWktY0xtQXZ3ekxUNEZtTEFKYWZmTFhyakJUY0JFQnF5Vkx5QURJQS0xTWNCMWdKZWVQWVdBSDY2Z0J3?oc=5) · DefioreFuneral
- 2025-06-05 [Donna Johnson Obituary (1946 - 2025) - Dekalb, IL - Daily-Chronicle - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQbV85SUNrcUJSM2lRRVdINnNiZzhNTDJSWjd2Rlp0Y0VMMjFESmR0TVF6T3QtamV1QkhnOHRIUTRDZ2RIUTZFdTdQYjJieTlmSHEtbEQxVWdTNkJ3R0RUWDRkcm1FWnprS3k4UVhvZTA5a1JfVkxaVTN0Nmp0aGNkcHZmSGQ3b212dFNKZzdqc1ZVMGxGWElv?oc=5) · legacy.com
- 2023-03-07 [Fallen Indiana State Patrolman Hit A Game Winning Shot For Garrett Vs. DeKalb - statelinesportsnetwork.net](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQQXd0elQ4cnViREZ4VXYyVVpiN01fbFM1eUE3X0xoMF9Sb0ZsX3hwSlJzZVVSc2pSRHloLXUycllOdjk1RGNFdHdPOE0zSFZpcW41Z0dzWkdfTlNMSndFXzF4SE5fWlJ6amlvd1JrcTN5TWNWUVhGTHo1TjM4R2dJVU1ldS13Z0tkRUNsRjg1WVZzQmMybnRjdUZaSHB6MFFobU1ubUZEbUR0T0JQYlZlRE9ZRDZMUnhyZzhodzNSRHI?oc=5) · statelinesportsnetwork.net
- 2024-01-12 [Duffy: Honoring DeKalb excellence in 2024 - Shaw Local](https://news.google.com/rss/articles/CBMimgFBVV95cUxPY3dyWUg5OFM0N1N4Q3d1bVJVaDNaMUpiQzRtRDNjNGVOOV9IQ3BEeDQ5WE12NU1NVEJrWktXRHJ1cWVZQ0pXa1IySHVGWHNkUFRCV3J6RW11N2gtaWhCZTViX0VXT1ZPamhuTExpRWVYeVpaRFBkY3NnaXJKYkk0RkVRVjRxc2JwOWxfLTdtX29OR3k4cmVqeEt3?oc=5) · Shaw Local
- 2019-03-21 [Myers Spring Company, S.U.S. Cast Products honored for longevity, service to Hoosier workforce - Cass County Online](https://news.google.com/rss/articles/CBMizgFBVV95cUxNNlBTN0dSSkEyQ3RtNWhKd2JlbDRmaGhMZjdRVGZXT3hMRWVURFBkNkZhLV9LS3RZejFCN0JrWFp4S2hGa0t3TGYtUVFtenBNaF9JeFloZnZiNDdMZmVJT200QVZRcU5DSlV0SzVIZVNJOUwxLS1JaXBqWVlNLTJHcHJWS01kV2tPdnk1NkZROWs0RGR3eEhfOTdlcnJfVHlvUVEzaXp5SF9Odnd4LWIyTTJrVk1QUlB2T09ITTl3S0Y2SGl4c1JZQVpET1I5Zw?oc=5) · Cass County Online

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60880 (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/16.json (key "60880", 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=60880
- 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