# FINANCIAL PLUS
OTTAWA, IL · NCUA charter 61231 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/financial-plus-61231

Who the members are: state charter, organized 1951. 45,783 members of 1,290,000 potential (3.5% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 248.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $603.3M |
| Members | 45,783 (2.3% YoY) |
| Full-time staff | 106 |
| Net worth | $78.2M |
| Net worth ratio | 13.0% (p82 of band) |
| ROA (annualized) | 1.50% (p91 of band) |
| Total delinquency | 0.41% (p32 of band) |
| Net charge-offs (annualized) | 0.39% (p48 of band) |
| Loans / shares | 74% (p31 of band) |
| Cash / assets | 11.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.93% (p82 of band) |
| Operating expense / assets | 3.47% (p45 of band) |
| Vehicles % of loans | 45% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 59% |
| Third-party paper % of net worth | 145% (p61 of band) |
| Vehicle delinquency | 0.61% (p54 of band) |
| Vehicle NCO | 0.92% (p54 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 9% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 25% |
| Average share balance | $6,352 |
| Participations bought / yr | $6.2M |
| Participations sold / yr | $0 |
| Participations outstanding | $16.3M |
| Loans outstanding per 100 members | 248% |
| Loans granted per 100 members, annualized | 115% |
| Average loan balance | $3,371 |
| Loans granted, annualized | $163.8M |

## Participation posture (from the same filings)

Bought $6.2M and sold $0 in the latest annualized quarter; $16.3M outstanding purchased (20.9% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 8.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 | delinquency 2x band | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | net worth falling, margin squeeze |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 3 | net worth falling |  |
| 2023-06 | 2 |  | net worth falling |
| 2023-09 | 1 |  | delinquency 2x band |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-03-15 [Financial Plus gets naming rights for waterfront amphitheater in $750K deal - Shaw Local](https://news.google.com/rss/articles/CBMixwFBVV95cUxPT05iUExjdk5sWHlDamRySjdPNm5tNTlBSlJOQXRUNXRKSTFxNGcyQndad0djcXM5TjRVMEl2VmJ4cF9iVTR1MTROQmxqNFd6YVdBOEl2UGZETnpaOFp5SGNfcGJBOFE5OXIyaGNNX2d3VXF2cnNEX0lVaWNweU9sX1FXd3BLYy1yanhmeDV6ZW91dXRtT0pFS3gtZ2NJZWdRd3B2V251T25BVDNCbnRBQTFRaEhYVkZiLThlVWdseGRnWkNkOUJv?oc=5) · Shaw Local
- 2026-03-05 [Ottawa's Business Climate is Strong and Getting Stronger: Mayor Robert Hasty - starvedrock.media](https://news.google.com/rss/articles/CBMi8AFBVV95cUxOUnFOVWMwb3pUcnlQbEtxTUJyUm5STFlvdWZuTUIxSVFrTGxrY3hlVWxZUUR0MWtyeS1IV3dzOHlKRmJoQ3JGb20yRFlvUHNiclZSNzgxRlhodkNBYmpuWksybWJwSzFIZ2MzQzlwODlNVDgzYzJyU3BtV2VWOFduYkJxaHpXOFZNVjBzR09pRXRKMjlUTHlSTWkwNk1lMmdfdWxReEZsQ2V1UnFqUUM5NzYyWERvejJCVWJEYkwtUjBkcnRGTHlfTHJ6QzROdjhVTE1UdDNvY1dZY3BnUG1XZk9GT1J3WUFId1J5Z1E3ZWQ?oc=5) · starvedrock.media
- 2025-09-07 [Dennis Rodriguez Obituary Mar 22, 2017 - Ottawa funeral home | Ottawa, IL](https://news.google.com/rss/articles/CBMibkFVX3lxTFBwZEs5dDZRb1FlZk1lbWt1anRabWM1U3JSSzJBMTR2cldSeVh1Y1J1TXdMbWpnTjZnMFFBeWhxVUVub2hmUS0xWkloRExvOGhld2RYT3FNSEtCZlhNRkRCYm11Q05kSmdZcGlyMUF3?oc=5) · Ottawa funeral home | Ottawa, IL
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2020-06-20 [Sandra (Teausant) Burkart Obituary Jun 20, 2020 - Ottawa funeral home | Ottawa, IL](https://news.google.com/rss/articles/CBMia0FVX3lxTE56OEI1X0xBU21jaTdTMWotOFk2RTRYZWFPQk5ESEw5aXpHM3c2WkM1QlBIb3F3bUNod3ZrQlUtY0p2RUpaUE9CLUlxRktNWjRzdGZXZncwQ3dRb3lTZW0xOFQ5RUYyc3NLMy1z?oc=5) · Ottawa funeral home | Ottawa, IL
- 2024-05-15 [Ottawa High School awards $764,000 in scholarships - Shaw Local](https://news.google.com/rss/articles/CBMipAFBVV95cUxPaU1MUkN2SzdyS2xNRG9BdjlaVkxFTllHWGpSQV9MWUNzcUxVeFU2R0dFQ092U0N4b1paZ1hibF81eldjY1piVC00TjJmOTBuUnNtd25LYWU5cmRTcjVtX0djY1hrTjlxNllwYkMtRUMzUEZXemJ1SWlHWXNvX3c3SEdIazY2OExRYnFHbndpOHA1ZDhIdjR4dWlhaTl3ZmhyUDBlZg?oc=5) · Shaw Local
- 2015-03-20 [Timothy William "Tim" Rainey - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxNZURfRndSWnYzbldISHhud2hHQl9wYkxRdklYQ3VIbXJBSzYzYmVyX3cxOWZJWG56cG9sOXh0Y2pROE1kWm1GMmZwUjJzYzlhMDBoME5WenhRckJ5QjVCVjNVQURSSmhwTFdmV1JXMzNsVm1PX1VIMmxNMDhRZTZxa0NaUzVtb255VDhGaGdhTV8?oc=5) · Legacy obituary
- 2010-10-21 [Richard Peters Obituary (2010) - Streator, IL - Peoria Journal Star - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxOUzY2VlBjTGhaLWlFMUs4U0ZFWnFGZHFoRi1fNTE4RHdIMmJxOTFBQTkxVzhKUnRuWDBRWjdXSVdyN01IUWRQVWNtUDU4QWhFNG0zVEloeWppei1zbHJyYmt5ejVoV0h4Zi1FeTFSdzNuaWNZNVRmZS1sWXMwRnFGMDRHbHlaMWpYV3RQNA?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61231 (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/47.json (key "61231", 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=61231
- 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