# LEE COUNTY
KEOKUK, IA · NCUA charter 61393 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lee-county-61393

Who the members are: state charter, organized 1966. 529 members of 30,000 potential (1.8% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.3M |
| Members | 529 (0.0% YoY) |
| Full-time staff | 2 |
| Net worth | $1.0M |
| Net worth ratio | 30.2% (p93 of band) |
| ROA (annualized) | 0.76% (p59 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 77% (p78 of band) |
| Cash / assets | 44.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.94% (p85 of band) |
| Operating expense / assets | 4.24% (p65 of band) |
| Vehicles % of loans | 85% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 98% |
| Certificates % of member funds | 2% |
| Average share balance | $4,352 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $7,928 |
| Loans granted, annualized | $1.0M |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 | net worth falling | delinquency 2x band |
| 2016-12 | 3 | delinquency 2x band |  |
| 2017-03 | 5 | margin squeeze, members leaving |  |
| 2017-06 | 4 | charge-offs p90 | net worth falling, margin squeeze |
| 2017-09 | 2 |  | delinquency 2x band, charge-offs p90 |
| 2017-12 | 3 | assets shrinking |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | members leaving |
| 2018-12 | 3 | members leaving |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | delinquency rising |  |
| 2019-09 | 5 | loan book shrinking |  |
| 2019-12 | 1 |  | assets shrinking, members leaving, delinquency rising, loan book shrinking |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 4 | net worth falling, members leaving |  |
| 2020-12 | 4 | delinquency rising | net worth falling |
| 2021-03 | 4 | charge-offs p90 | members leaving |
| 2021-06 | 4 | net worth falling, members leaving | delinquency rising, charge-offs p90 |
| 2021-09 | 2 |  | net worth falling, members leaving |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 1 |  |  |
| 2022-06 | 4 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2022-09 | 2 |  | net worth falling, delinquency 2x band |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 5 | delinquency 2x band, delinquency rising, loans>95% of shares |  |
| 2023-12 | 6 | members leaving |  |
| 2024-03 | 6 |  |  |
| 2024-06 | 6 |  |  |
| 2024-09 | 6 | loan book shrinking | delinquency rising |
| 2024-12 | 3 |  | delinquency 2x band, members leaving, loan book shrinking |
| 2025-03 | 4 | delinquency 2x band |  |
| 2025-06 | 3 | charge-offs p90, loan book shrinking | assets shrinking, loans>95% of shares, delinquency 2x band |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 | margin squeeze | charge-offs p90 |

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

- 2026-07-30 [Theodore "Ted" Richard Mcghghy Obituary Feb 18, 2018 - Printy Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE5QLVRra0VkczFvRXlDOGhaOVVVdnhMVzdvS0NndXNaUWFweHZzNEtIa2x6OU41VGF4RkpSXzdDLWRJXzB5bUl6RUNvVjdaenlzc3REMkY5eHJpczBhb0o3cEFyUThvam1aRG9ocDV3?oc=5) · Printy Funeral Home
- 2025-12-10 [Iowa Farm Bureau members gather for 107th Annual Meeting and County Leadership Conference - iowafarmbureau.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxQbVI4Rm5jS1FrRWtTNGlEUmRYTFFqSHNNWDBsekxRdnhNb1BZa0RSaWFvSTlRRHNTbU9CY2ZabnVlaV8wZVNtZkgyRXVjTlBQaFRWR0F3VFFMdTZieVNXTGJDb1hja1BMTlJVLXlFZnBlQlZGeFYtbERsbnBZaks2eDJzUFZhVlJUM0pBLWZoaFpMTzBBUW40enNuOUVNWENkdTVrVkdHMlVBM25nT3hNbHI2bHZTTU9ZbHRFMzRqRG53cG1rVkkw?oc=5) · iowafarmbureau.com
- 2019-09-25 [Credit unions go shopping - Florida Trend](https://news.google.com/rss/articles/CBMieEFVX3lxTE5mNFNVV3FpcDI0QWxrQThHSU5PUC1rakxIY2gzOFhHV1V6ME8tS3JjMjhoaDl5TjV5bkoyZnFuMmlQamgzODR5dHJRXzJJYnNOZkdEQlhNREV2eXRvaXo5VFNMRlk0NFBkUU96RXk5a3J6ZlNudk9KQg?oc=5) · Florida Trend
- 2026-03-05 [Supervisors attend ISAC | Daily Gate City - Keokuk, Iowa - mississippivalleypublishing.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxONGp2aW9lRkU1VU1rYUgyNmFwZkFyaFhwT1kzUlNHb2U4d3AxT0ZieldmY2ZtR3RjLWhrYTM1bHZ0U013YTAzUFpwaUJMSktWNElOZUxoZXNWa2xaUzRLU2hma2lTdk96eXBqamQyeV8xdkdJR0tadWFGQVoyVEtoRzdvR09xa2JfcU9UdHJQcV9RQW42RzVSMEk1SHpLZEgyekRPSzJIS2VNd1JFcGRicXJaR0lTS05DelY3eDdweDJmbDZ6UU1EWVZtZFRHWV9oVUQ5ZWZ3?oc=5) · mississippivalleypublishing.com
- 2026-08-06 [Karen Boecker Obituary Mar 30, 2014 - Printy Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE9fMnNpMWh4b0V3SV9CZkpyWU5sODJxMnJ3b05tWjF4bVBTWlA0MXBKd3JNci1GTXFXV2FMUWRsMDlOV1BOTXJvNmRGelRVV1M4RTRXUDRWa1Y0WnZzSnUzOEEydWJTd1JUX1E?oc=5) · Printy Funeral Home
- 2024-02-18 [Property transfers for Whiteside, Lee and Ogle counties, filed Feb. 2-9 - Shaw Local](https://news.google.com/rss/articles/CBMiugFBVV95cUxPX1BGTGdfREZOeUI1cjVELXBHckVVaHFqUV95dE41ZFBkQUVNbkxrckk5cl8yZ2tDV1J2RFJmSU5ZcjQta0NjRThWR0x2TkVvd0hIVldpY2M4VVNFS214YWlSWGZrSXpUV2RPR09MTENraktyaGM3LWczWm11VGdtRW81eHFvYVhfUkZ1dmJUQTZwVUM1blJpVEo5aVFGNEtvdW96Q0xUMUFxVm0tODctVUJ5WWRMckFLQWc?oc=5) · Shaw Local
- 2017-01-27 [I'll put my money behind local businesses - The News-Press](https://news.google.com/rss/articles/CBMiowFBVV95cUxORTFYblVzMkpuWjd2eXVBSW40aExLWFpZX0cxUVlfaHE5WEIxNUlBR1RIMXpmc2QyeTVTLWRiQmd4VHd2eWhXbEhxd0RvLUZVejhFWmZQZ2dZUzRsMi0wbnVRaGV0NFRNbVI5aWktQTJydmRmbUwxYXBYSzdwWW5GaE1mME03aDNMRm03dmM4R0FqeW43Vy10R2NIZ20yUDNtWkgw?oc=5) · The News-Press
- 2025-01-11 [Property transfers for Lee, Ogle and Whiteside counties for Dec. 30 to Jan. 5 - Shaw Local](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOcVFoYzlLUVhRcFJYQUlMNkN2TUNtUHBYcWpleWNjSHpOSFNkZFB5LV9OUnRNOTZQYktXdUhGQXVPVWVmbXFfVV9raUpkcEh6U19fX2RWWDdjMWdjdk94U1Nmeko2YU9yV3VvbDZtZXNDeUdING1GTEEzWGhFaUZ0bUtoSlcwZTJ4WElGQVluemJTMVYxMm5zcEpxZnotbUxqSnJramZTQXU2Uk43bVNGMmJlcFpNZlpxQXE4Uk1TdDkyQQ?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61393 (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/17.json (key "61393", 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=61393
- 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