# ISABELLA COMMUNITY
MT Pleasant, MI · NCUA charter 61318 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/isabella-community-61318

Who the members are: state charter, organized 1958, low-income designated. 13,540 members of 50,000 potential (27.1% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *participation buyer*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $222.6M |
| Members | 13,540 (0.2% YoY) |
| Full-time staff | 39 |
| Net worth | $21.6M |
| Net worth ratio | 9.7% (p26 of band) |
| ROA (annualized) | 1.14% (p78 of band) |
| Total delinquency | 0.81% (p68 of band) |
| Net charge-offs (annualized) | 0.30% (p41 of band) |
| Loans / shares | 58% (p17 of band) |
| Cash / assets | 24.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.25% (p29 of band) |
| Operating expense / assets | 3.31% (p34 of band) |
| Vehicles % of loans | 30% (p44 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 27% |
| Third-party paper % of net worth | 84% (p52 of band) |
| Vehicle delinquency | 1.37% (p86 of band) |
| Vehicle NCO | 0.31% (p29 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 43% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 20% |
| Average share balance | $5,819 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $22.0M |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $13,311 |
| Loans granted, annualized | $28.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $22.0M outstanding purchased (101.8% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 4.2% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | thin capital |
| 2018-06 | 0 |  | 3rd-party paper>100% NW |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | assets shrinking |  |
| 2019-03 | 0 |  | assets shrinking |
| 2019-06 | 1 | members leaving |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | net worth falling, 3rd-party paper>100% NW |  |
| 2020-06 | 3 | thin capital | members leaving |
| 2020-09 | 4 | margin squeeze |  |
| 2020-12 | 3 |  | 3rd-party paper>100% NW |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 1 | delinquency rising | thin capital |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | delinquency rising |
| 2023-12 | 0 |  |  |
| 2024-03 | 3 | thin capital, net worth falling, losing money |  |
| 2024-06 | 2 |  | losing money |
| 2024-09 | 1 |  | net worth falling |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | thin capital |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 0 |  |  |

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

- 2026-06-08 [52 credit union leaders earn CUDE designation in June DE class of 2026 - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxPMWNHSl9CUXE1aFRCUGtabGttcW45OUVObFFuVTNXbC0zOUtTNURqZGFib2FPZ3VCUnQ1RlRNWjN6MzlUb1dNZUtoZTJ6VV9uZHA3RGIwTEZTeTVpR29rRTFRQ2twVjh5WThPTTRqSG5CZFhCNHZsUkhvS1gtbEdKcjBkTC1aVTh1SUZoX2tWUF83OGxfZHkzUzFieTRWZjJMZVFwNFFQSExndVhoUDU2ag?oc=5) · CUInsight
- 2024-06-12 [Lynette Bragg Obituary - Mount Pleasant, MI (1956-2023) - The Morning Sun](https://news.google.com/rss/articles/CBMihgFBVV95cUxPQU9la01MVURHNkoyY1pGaTFVS0hDcWtvcmFhaFN2Rkpoc2FINW5ZOEJxQkxZZnVOR00yNjFfay1NSE1EY3FaU1lYNGVsNXZvakh4cHVvZ0lOM19EUkx2cV9KZkRyeHRKOXVQYUEwYXV1enNzS3hzN3FaRDVHVlNQNzlVWXRnZw?oc=5) · The Morning Sun
- 2025-01-10 [Alan Quick Obituary - Naples Daily News](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5TSEo2aTFhOVVMRDF0Y25Zc2VJT3ZHWUlyeE5zNk40R0dVUFJfaEs2NGNDbjBoWms2cllYQjBtWlpHS2t1U3R0bURkcWRXZEFsNVNmNGJFbnlaWFAxSkE?oc=5) · Naples Daily News
- 2017-01-30 [Roger Trudell Obituary (1943 - 2017) - Shepherd, MI - Bay City Times - MLive.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOc09HWmJIcnFYY0R0bDllY2lhYndZZUdEOU9DdHU2bjFuNW5jeGtIUVVCRlRhcDA5c1lmM1hCbE1qNlY2UVdmUGxiVXZtOTB5Q3JjazZuTzFFaFJMVFdWZmV0OThwZXlOckJQbWxvWE9WTXo5bm5LMG1pOHAtdFJVNzBueThaWW1lQkZ3MW1B?oc=5) · MLive.com
- 2019-12-14 [Pearson and Brown united in marriage - - thealpenanews.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNMHZ6NHowcnd4STV0M2ItYlRheFBHX2tYRnRpRWN2eVhsMEwwaFFYT3lpVVBlR3NWZHUzY0NiV0pRQTBZbWpDQ1BtOHZlSEM2Uk5scUpNMWhSdEs4ZVNTVGpZRERrSUppNGVza3JaN1FNbGktdVdWUF85bDNnU3Q1QndQc3YxOWdyOXFzMnZJa1RPZmM?oc=5) · thealpenanews.com
- 2021-10-28 [Roger Trudell Obituary (1943 - 2017) - Shepherd, MI - Morning Sun - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQMU5rakZxWkxUXzN0Q2xRS2pzQVFHZHRsaUJZTzBBNTlKeUhjMy1Pa2dEbFNTNndnTVJlRlV4VGdvZVo4MmtqcW5qN0ZxdFRUTmZ6Sk9CUHZQOURoTzhaeFNaVWgzS1NIaU9salNlN3AzSC15MXpZQVlfQUdXekRpdk1vNkdFbU9zbUlZZGhaMVRLZ2l3?oc=5) · legacy.com
- 2005-07-05 [Helen Fabiano Obituary (2005) - Saginaw, MI - Saginaw News on MLive.com - MLive.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPMHlwTm5WRE5QM0RDd3NLdlkxX0hCZUF2MTJyaVRfYTRpanJhajFTYXIwalliMnlEZ3g3ZmhSUWVZcXJ5TjF1VUs2WWZpcDZYS3c1SWlnSk0zeTk2VGJCQ1pFeGI4MzBEd1RfYjVaRUJJMmtfT0QxZE1ueG85aGJ4Sjh3aTBfU1RoOE5rSk9B?oc=5) · MLive.com
- 2021-03-10 [How restaurants in mid-Michigan have fared during COVID-19 - The Morning Sun](https://news.google.com/rss/articles/CBMiogFBVV95cUxObS1fZUJwNEZTeWppMnlHaV80cUZwWklZeDdoUXl3dEs4VVV4Q3lScFB4LWRLUVBWeGpvUlFnLTRUalZNb3o4TnphRVZ5bmZqVzE2QWRDdlV5T2FFY2x6bGluTVdvcEI3V2hJZktubmZNR2VSbWNrb01IMEhDTE9DYVJUTjdLS3ZrcnVla1Bub0tQY1JUODhkVFpScUNJY2xHa2c?oc=5) · The Morning Sun

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61318 (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/6.json (key "61318", 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=61318
- 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