# NUMARK
Joliet, IL · NCUA charter 61447 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/numark-61447

Who the members are: state charter, organized 1954, low-income designated. 61,622 members of 502,000 potential (12.3% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 189.

**Verdict on the desk:** this could be *ordinary*. 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 | $947.6M |
| Members | 61,622 (-0.7% YoY) |
| Full-time staff | 183 |
| Net worth | $93.8M |
| Net worth ratio | 9.9% (p40 of band) |
| ROA (annualized) | 0.51% (p42 of band) |
| Total delinquency | 0.94% (p75 of band) |
| Net charge-offs (annualized) | 0.27% (p33 of band) |
| Loans / shares | 80% (p46 of band) |
| Cash / assets | 12.8% |
| Borrowings / assets | 5.00% |
| Net interest margin | 3.89% (p80 of band) |
| Operating expense / assets | 4.34% (p83 of band) |
| Vehicles % of loans | 38% (p69 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 50% |
| Third-party paper % of net worth | 282% (p89 of band) |
| Vehicle delinquency | 0.88% (p69 of band) |
| Vehicle NCO | 0.83% (p50 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 23% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 89% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 26% |
| Average share balance | $6,519 |
| Participations bought / yr | $23.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $28.0M |
| Loans outstanding per 100 members | 189% |
| Loans granted per 100 members, annualized | 80% |
| Average loan balance | $5,472 |
| Loans granted, annualized | $240.7M |

## Participation posture (from the same filings)

Bought $23.1M and sold $0 in the latest annualized quarter; $28.0M outstanding purchased (29.8% of net worth), $11.3M sold and retained. Sold in 3 and bought in 8 of the last 8 quarters. Shares 8.7% year over year.

## Flags firing in the latest filing

- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, 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 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 3 | margin squeeze | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 2 |  | margin squeeze, net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | net worth falling, delinquency rising | expense trap |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 | expense trap | delinquency rising |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | delinquency 2x band | expense trap |
| 2023-06 | 2 | net worth falling | delinquency 2x band |
| 2023-09 | 1 |  | net worth falling |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | leaning on borrowings |  |
| 2024-12 | 3 | net worth falling |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 3 | delinquency 2x band |  |
| 2025-12 | 2 |  | delinquency 2x band |
| 2026-03 | 2 |  |  |

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

- 2025-03-13 [Illinois’ NuMark Credit Union to buy in-state bank - Banking Dive](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQZXZzZ3NmS0pxb0Rfd0lSOXRrNWxJRUJSSnM0MVhibXVjbUhvYlR4aDNZMTdrZHRnRnJfanp2eWU0YV9wSzRONmlCdzNsaEd1bHAwUmFMeVR0VUt2VG04WHR1YXYzM0N4c2xYOW5CWWZEbmVUeGhjbk1IcF8taUlTVy04bG5fUGtldG9DRXlUeUl6Y05PUndMRVBlR1pRT3ZNbm1JUnd2X2dlMjZyTWJqMndZdk9mTWNrNWxma1Q4c1JiTDJ0VFBRZTdCVlZXUnc2YkFQNg?oc=5) · Banking Dive
- 2025-07-31 [NuMark Credit Union celebrates grand opening of new Bridgeport branch with ribbon cutting ceremony - CUInsight](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPUDBHUkg3YUdFbEY1clpoelBDNXNUMURGSm5sS3luTENya1pyRVdhaXk2ZlhxNjdVMFlYVzZGbE1xajlaSVFpdEtaV05JUXNGLXJnV2dNS1dkaFIyT3VlaXlzU2lNQy1IaEx1ZFllalozZHFIMG9CX0E0SUtPR2h3OHFUaGhVRXNjTmEwbXJSc19DcnlqckNoX3I1cWZJWXkzeE5pM2JuM1pjVmxkTzJ1TjAtOHZEX1FVTEFsdmg1RXNMRTFmbUdMNEY1RHVGd21oN18tXzNR?oc=5) · CUInsight
- 2025-03-19 [The Lemont National Bank Acquired By NuMark Credit Union - Patch](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPZklydmlKX0hxcUJkVlFOanR4MTFIN24teGxnME5YbktHQTRnS2NpaVkwSGVwVmRDcFNhV2dNc0pNOHJPZGVRT2o0d3FPSkVoWW4tMGI4ZHRUZThMblFJdGhoNFpNdDk2aVViYU5UZkZwTk1UZXBjSzNMd1ItN0MtdWFmSTJ5bWNqSm5j?oc=5) · Patch
- 2025-05-14 [NuMark Credit Union congratulates Michelle Balog on recent promotion - CUInsight](https://news.google.com/rss/articles/CBMirgFBVV95cUxQSDM0dV9oTVFPX2VuRjI1eFR4OGdwSHo0VVcxVk52UGtDeWxPQ2tJc0trUFJ0cmpJS2pWaC1DWXJ6azFhUmR0TEZkNEoxeUdMZnlaS1ZGdDlGMlR4Y3FOU2xtNloyOHVpMVVzNXBmYUZJdTNLekRPbVhVLUlpMkMtMHAtcE1aN2RGLVBQZDlKNTliMjdISFItdHBMbDZCUDFjWEQ5cG92WDlkUWtnTXc?oc=5) · CUInsight
- 2023-06-20 [Forbes 2026 America's Best Credit Unions In Each State List - Forbes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9vRWJOaE5OZ1NrY3RJeUZnWS1yRXkwMUYzYllJMTN3VEQxTWtwNHJGdC1FejkwVF9UT045OWFhQ0NSWmtzTHBJeXZFSFdydTNuc2VyT3BjUGRLcmlWLWhaVHNJUVZMRHNt?oc=5) · Forbes
- 2024-07-23 [NuMark Credit Union walks in two parades in one weekend - Daily Herald](https://news.google.com/rss/articles/CBMisAFBVV95cUxObVJOMVpTS0lmNkpEb1l3c1dreFFYVTlKUEh4b3lJRERWV3FKZ2JYaVhyS0xvcFpGRXcwYllZZXMtSTE5SUVrT05Ma3lBVkxxaVZ1V3p0dU0yX3RRdUhwNjZyQk51ZFNwRVVfOGlJcUdZLTJSMmFBOE1XQlJSQzJnY1ZLUUxwcXc1TEF2Ni1KQjM3cEhGNFFQY1JpMGNCTUVjLXRfYUZIcy1yamlITFhGSw?oc=5) · Daily Herald
- 2026-01-12 [2025 Credit Union-Bank Acquisition Deals Decline From Record High in 2024 - CUTimes](https://news.google.com/rss/articles/CBMirgFBVV95cUxOZXk2amFNTTN6Tml0YXFNTVUzdTA4OHdYYkpQS2F1VjJ0UE8wYzVCRHRfOG9tOExuN29wcWRYWHJwcjN5Z1dUWDlNVEJFYkp3WlJ4U2dUNHVYbC1yUXloYVR0WjQwVG1kQjhyRUh3MzFxWFdSaXJxSTJZbEdQVnVhMkJ5YkNNOW4zZWluTWstRUF6VnNvZnRVeVVjQVRuVXcxRjZlSTd0ZG5yYzNTTHc?oc=5) · CUTimes
- 2022-12-07 [Iowa credit union buys bank in year’s 12th such tie-up - Banking Dive](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNWThhUUtKRjRCaEgzcmk0N2wwY055Y2lpOElGZFdLNFpLR2V6YVQ3SlJpYWJFN1g0WnBpVW1MbklpOEVqVjNQemNQUFh2V0VfS1JXV01kTVZXTXUxT21PakxQQ01Ea1hyS3BLeEFpSE9qSVpMVGZPUXRRcnBlaWtXN3VicHloY2NwanRDemFVZ1Blb3ZRSGRoa09TOGo5SU5DZ3Q1TTV5QWtCUQ?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61447 (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/7.json (key "61447", 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=61447
- 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