# CONSUMERS PROFESSIONAL
LANSING, MI · NCUA charter 60947 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/consumers-professional-60947

Who the members are: state charter, organized 1953, low-income designated. 7,116 members of 6,000,000 potential (0.1% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *quiet fade*. 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 | $148.0M |
| Members | 7,116 (-3.4% YoY) |
| Full-time staff | 22 |
| Net worth | $24.7M |
| Net worth ratio | 16.7% (p90 of band) |
| ROA (annualized) | 1.05% (p70 of band) |
| Total delinquency | 0.55% (p45 of band) |
| Net charge-offs (annualized) | 0.36% (p54 of band) |
| Loans / shares | 49% (p16 of band) |
| Cash / assets | 52.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.21% (p24 of band) |
| Operating expense / assets | 2.74% (p19 of band) |
| Vehicles % of loans | 19% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 0% (p34 of band) |
| Vehicle delinquency | 0.75% (p59 of band) |
| Vehicle NCO | 1.07% (p76 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 67% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 8% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 27% |
| Average share balance | $8,407 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $18,339 |
| Loans granted, annualized | $17.8M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 1 | net worth falling | delinquency rising |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 4 | net worth falling, margin squeeze, members leaving |  |
| 2020-09 | 3 |  | members leaving |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 2 | members leaving | delinquency rising |
| 2021-06 | 2 | net worth falling, delinquency rising | margin squeeze, members leaving |
| 2021-09 | 0 |  | net worth falling, delinquency rising |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | net worth falling |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | members leaving | delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 0 |  | members leaving, delinquency rising |
| 2026-03 | 1 | members leaving |  |

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

- 2026-06-25 [Linda Jean Montague - View Obituary & Service Information - prayfuneral.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE9WcWRGWG1iMFl1TVpEaE4zWm9pMmZVcWdzVkNtSlpyamdyR1lCOXRhcTZmM29QQ3R0T2Noekx0VW9LdHNRUUEwMlpkNDRuV2F4OWdNWm1pQWdSYkhNVmZuXzdjTFZ3dFFaUHc?oc=5) · prayfuneral.com
- 2022-08-11 [Big weekend for car enthusiasts in Battle Creek with 'Cruise the Creek' and drive-ins - Battle Creek Enquirer](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOU0s2ZUM1Rk9GWGJIS3ZQMmloZDRmajRjTEZFUTF6V3BuOXFEOEE0d3cxMnQ0SGZvZml2enh6NVltaU1ZUnB3RGlXSDhkQWMzeVFKZHEzeGFreTBNSk1ydHJoRHpGNXl5VndQVkFMSDR0bVBiTFdmTEN2ZHRGR3lDUVNiMnBJQjZZLXhjZUd0TXpLZU93elk2WEJUMV9FbHdCYTVOSzFUZjExSm1QVmlpZWNrTExKaTlQMWthd0dBRUhGa1RueTliMHdDdXFQbXh4cHoxd2NOOGFlS0ZhMC1z?oc=5) · Battle Creek Enquirer
- 2025-09-12 [Charitable Union kicks off annual Winter Coat Drive to warm Calhoun County residents - wwmt.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNVDlsQkthSUc2cnhNOXo2VHVhbkllaUZsT0otNzdlMWxBNlBOQS1TVGlxeUVteXlYVS1jV2o5MkRyVlM4YU9NMmJYbGE4aFZOSklCdjZXTk9SVllpZ04zbHpRR013RkVyOWQ1S0FicTNiNmZvaVZsTG1xQUNMSk9hb1k2eWpQVVkwQVhQdjBGb08xdWlfRVJhQnNHSUdaWEdEeFZXNkhzOGtMWTFoeDBwRTg5ZmtMUmFiSjdhSGlmeEdoVERmLWlPeTYtR1hXdlBZcXVwbC10ZlZHLUk?oc=5) · wwmt.com
- 2024-08-06 [Saginaw police arrest duo who sent robbery victim into credit union to get cash - MLive.com](https://news.google.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?oc=5) · MLive.com
- 2015-10-27 [Calhoun County Educator Wins Excellence in Education Award from the Michigan Lottery - Michigan Lottery Connect](https://news.google.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?oc=5) · Michigan Lottery Connect
- 2011-01-26 [Gottschall, Case welcomed by Monarch staff - Coldwater Daily Reporter](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNZ3l5ZzJOd2taTWpQMi1DVTBDNUdYczljVExadnlibFhLZXRqZ3UtUV9aOC1pZEpXVmxNSkRidXphbkcwNWJjbnl4R2xsMnlCV0hZMllaTHgtTFMzczRSMUU5OU5kZ2gxcmVsLTZyaGU0VW1iWUlmUzg3NGFMSHA2d3pOZ1pzTERCU1g4c0cza1lDNHpOYy1qZGQyUDRkU2NpY0JrelA4V3pIVzQ?oc=5) · Coldwater Daily Reporter
- 2025-09-13 [Winter coat drive: Where to donate in Battle Creek and beyond - Battle Creek Enquirer](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQN3g0MzVtS3JWNkxOTlVKRmRCcnprQ2pRSDg2bEJDLTc4OVgyb3YyUkFiWTZubzBjVHFVZkI1WGRFT2I5bmlhX0lwRnBzYUNHNDBOcmpEUThDX0F0TnVaUnJ3eV84MmJZWU9peG5pVDVTLTd5V2FFT1VmLXpjZDZ1QzZSNl9XaVpqN3EtR190bVR0N0ZVYnBzNXlIMzhpQXUxTkIwalVHUUZwYUJjUVBkZV9HTlZfZE40b194TWJ3TFRLa1dpa3NZdkEwazk0VWI2dk1pZXgySWkzNFk?oc=5) · Battle Creek Enquirer

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60947 (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/19.json (key "60947", 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=60947
- 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