# FIRST ILLINOIS
DANVILLE, IL · NCUA charter 61284 · asset band $50-100M · latest filing 2017-06 · stopped filing after 2017-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/first-illinois-61284

Who the members are: state charter, organized 1951, low-income designated. 8,636 members of 117,000 potential (7.4% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $50.2M |
| Members | 8,636 (-1.3% YoY) |
| Full-time staff | 20 |
| Net worth | $2.1M |
| Net worth ratio | 4.2% (p0 of band) |
| ROA (annualized) | -5.95% (p0 of band) |
| Total delinquency | 0.31% (p23 of band) |
| Net charge-offs (annualized) | 0.65% (p77 of band) |
| Loans / shares | 59% (p42 of band) |
| Cash / assets | 13.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.56% (p29 of band) |
| Operating expense / assets | 10.91% (p100 of band) |
| Vehicles % of loans | 55% (p77 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p26 of band) |
| Vehicle delinquency | 0.16% (p19 of band) |
| Vehicle NCO | 0.94% (p81 of band) |
| Repossessed % of vehicle book | 0.00% (p35 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 87% |
| Certificates % of member funds | 6% |
| Average share balance | $3,525 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $9,656 |
| Loans granted, annualized | $13.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | expense trap, delinquency rising |  |
| 2017-06 | 6 | capital below 7%, net worth falling, losing money | delinquency rising |

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

- 2024-11-23 [John 'Jack' Fritsch Obituary Jan 2, 2017 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMiakFVX3lxTE5oLVZpZkZPaTd2SGYyN1UyWEZWbkt5bHFYbmp1QmZxYnFGeUpGMnhDVEZQTGY4MDJiM3VKcm1sS2o5dlcycV9Gdi1vZU91dDlUZ205dW5EMGd0SXNMdW42bWRoYzRjWVIzOHc?oc=5) · Sunset Funeral Home and Cremation Center
- 2026-08-13 [Sondra Sue Evans Obituary (2026) - Veedersburg, IN - Dickerson Funeral Home - Veedersburg - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxOS2ZoU19DNERfeTVwMVpfQ3RjYS1HZG5GbnlIclFFOEpnNE9VVEhtVTd4YjZRWUNObkdXQUR5QWRlb2NhR0pnVHhwN0ZwMEd4aXpRdWtSX2NMTmlLbmU2SDFncnMzd2xTOVdCVE1rcmpISUxaWTZFOVQ3cjFUam1Veg?oc=5) · Legacy obituary
- 2023-01-19 [Summer Moon Coffee Now Open In Crystal Lake - Patch](https://news.google.com/rss/articles/CBMihgFBVV95cUxQdmltenItSkJZY2YxNWgweVlBWkNuWFlJQi1XcDRFajFJeFJKSFVnMVdpSzFIMlRiSEpjWWM0QmY2Rk55cnBCSW5kcFNpb3JrTmQtV01WaUw2WFdvU0NhUHFaWHRIYVhZZWV2cmRsUjlyYXpBZy1mVDZtWkZlTHJOeVhpM1BuQQ?oc=5) · Patch
- 2021-09-03 [Former D102 DJ Doug Quick Announces Retirement from Broadcasting - Vermilion County First](https://news.google.com/rss/articles/CBMirgFBVV95cUxNRjJDWm9KNDFsZmhCb25lMGFsYlBCRzhBcEg5cFBWTzE0SFAwZG00NTZ2YlBOVlN1eUdHR2dzeC0xOVJscWhFQVhINDB1d0RiWC03TkUtZ1lJMW1sa1c5UUlSQXh3S2tpSzBjRmdrM0xIVFJnTHN4U0VsWjNfTlY4WVMyOGNNSU9jcUZvVTFNMXVfYjBHNDJfakF0ODNCdnJHVFQ5QXVoRktmNFhkTXc?oc=5) · Vermilion County First
- 2025-05-23 [Peoria City Council to consider plans for coffee shop at major intersection - WCBU Peoria](https://news.google.com/rss/articles/CBMiugFBVV95cUxQLXZ4Q0FFMEFjQWRTZlVySkEyWndsSUtpX3M1aXRGSlNDdW4zZkp3RGtoa3d3QWlYdEh4YTVsNTc1eExyVHA0NmRTY1ZYMzhETmtSS0tNT0hjMGZWbHJEeEFXVkVoak5yWE4wWWVhLWtLeC1ySHNXVkViZC16cVZtNEV3ejJCS081bXM5N0ZTNXJlUXp6TlRjSEZNVHNlTjI3Wk44R1VDM1VBbGpjbXd3ODlYQnlDR29VdUE?oc=5) · WCBU Peoria
- 2012-10-19 [Randi Lough Swearingen Obituary Oct 19, 2012 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMicEFVX3lxTFBrWjNxRWpyeGo1MFdZdzZ1cGJQbjJDREhHdlZJM1hqS19QVUhnbzE3b3JVeGVHcmt5SFRyUUIzUVhCWE5faTRvNmVIcXBrRWpmbjVmMEU5VXVNcFpMemRYUzBxWnMtUHAzR3dLa2w2bko?oc=5) · Sunset Funeral Home and Cremation Center
- 2022-12-15 [Summer Moon Coffee Opens First IL Location In Crystal Lake - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxPTm01NWYxaFYwZGJqUjJCaHhkZDJGZTMxQlNVUXRINVRSclVFSzZSYUlOUkF3YlY4cUVoQWJRZ01nWjg3Q1dOZUJYaVJWRGJWV3ByRzNybHhOTEpSUXpCNlJUbVVvOE1PcTgyOTVwdTNJZEhNY3dlckdXQ2hnX1l6akI1dEM0bG1nTnhsbmpqSGZmUFFwMXRjY1Bn?oc=5) · Patch
- 2004-04-07 [Claudia 'Clyde' J. Hamilton Obituary Apr 7, 2004 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMic0FVX3lxTE14NlNjMWdCV0loZ2NYaXYzbzA1M2x0b04wRUpqOVZSdlNpQkltRTY1YkZsaEtkY2NWOTF3dEJtN1NiMVdQNzhqbzFZbE5kcEpoWEh1UHl2VU0wRnpBTlFLYXJxVlBQWS1kLUt0ajZ3b1V4Tkk?oc=5) · Sunset Funeral Home and Cremation Center

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61284 (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/36.json (key "61284", 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=61284
- 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