# ROUTE 1
PARIS, IL · NCUA charter 61488 · asset band <$50M · latest filing 2017-09 · stopped filing after 2017-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/route-1-61488

Who the members are: state charter, organized 1957. 979 members of 34,911 potential (2.8% of the field); checking penetration 29% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *stressed*. Composite score 13 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.8M |
| Members | 979 (-37.9% YoY) |
| Full-time staff | 3 |
| Net worth | $137,408 |
| Net worth ratio | 3.7% (p0 of band) |
| ROA (annualized) | -8.05% (p0 of band) |
| Total delinquency | 6.28% (p94 of band) |
| Net charge-offs (annualized) | 4.01% (p98 of band) |
| Loans / shares | 59% (p54 of band) |
| Cash / assets | 16.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.36% (p86 of band) |
| Operating expense / assets | 9.33% (p99 of band) |
| Vehicles % of loans | 69% (p77 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 8.57% (p97 of band) |
| Vehicle NCO | 6.24% (p99 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 40% |
| Average share balance | $2,484 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $7,306 |
| Loans granted, annualized | $724,900 |

## 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`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **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 | 3 | losing money, expense trap | auto monoline |
| 2016-12 | 6 | net worth falling, charge-offs p90, auto monoline |  |
| 2017-03 | 11 | thin capital, capital below 7%, assets shrinking, members leaving |  |
| 2017-06 | 12 | loan book shrinking |  |
| 2017-09 | 13 | delinquency rising |  |

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

- 2019-09-26 [Infinity Credit Union scraps merger plans with Illinois firm - Portland Press Herald - Maine Sunday Telegram](https://news.google.com/rss/articles/CBMiogFBVV95cUxQcENhdFJpNlNQRzlVcExEbkgyVHJVbkRaTC1MNkFJcnA2cW9kT2ZZb2JDaFoyaEJ0elF6SVdUMWhGLThWandrRURNZTBSamUtVFF5aV9lNmIxVVM3V3BwUG1MM2NpSTRuaU9kMEtlcklzY2pyekg5dE1JVnRwQTJ2ZW5fQi1zMnBvTFIzcUI2MEdCdkdBWEs4eVl3WWZIVVZRT0E?oc=5) · Portland Press Herald - Maine Sunday Telegram
- 2023-07-19 [Vermilion Co. teenager killed in Route 1 crash - WCIA.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE1FQWhhT2RuUEpNdmdnYmJKMHZMYlJOOTBFUDNjbGxwVVplRUEwVXNRbnVJcVVSVE1aMTFIc1lsRnI4OVNyZzd2b0FNUHJEZ3VrS1Bqb3JKRWpDUEJXNUg1ZjZsd2ZUemdtSmJ2RVloNGoteFNPOFB4WVlpSkTSAYIBQVVfeXFMUHNvX1AtX2VXR2IyTHhROFVJMXNMbjBPb3hxVkQ5MmZUMjE0c05PSS1MN0pUdW85X2ZkRlhCTjhJWU5EaHA2Mm9pekZwTlpBOXJDVjlKMDYxQUUxZVF4a0E0REVrdVdqQVIwZUpPd1hhTUs5bnE3RUNzNFA1bXBuMlVqQQ?oc=5) · WCIA.com
- 2019-03-22 [Looking to get out and volunteer? Consider the annual Confluence Trash Bash - Belleville News-Democrat](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBQZUpLS3hzTngwVDRXclFLYW43QkpaTHBMbm9fTXk0aTlHRkg2cXJpZFlFQ2ZtOUx1bmxjRnkyV1N1MEFTUkU1Z0RkN0pRLVRfb19qS05RZUp5NzNmb0Q3Q1g2RTIxUFVp0gFoQVVfeXFMT2JTb1hzYnltZWJoM0RfOENMTlo5NDlmSVIwQ0RUOFQxS0xsNHNhbm5lZHNETk9lekQzR0dlaDlxdWYwb1NJbmJBMVJDV21hMG51d1YxNGhlYklFS1RaWWZZaEhWQzZRU0M?oc=5) · Belleville News-Democrat
- 2026-09-03 [Princeton's South Brunswick Neighbors Lose a Round in Court Against Data Center, But Launch an Appeal - TAPinto](https://news.google.com/rss/articles/CBMihwJBVV95cUxPVzNIVWV6bXowVlk4Rk9RYUkzem5Nenp0WHJKYjJ1U1dfdWw1ZUpaakxXdmxFaWw4WVVIaFI5dl96UnExWDB0SkRkU1J1bzBMZm5OQUVaWjFpYml1dnZFRGpMZm1ZeUZoWlNIODEtWEV3dkktQmpwRlFwS3Y1VnoyQjZaYjkxSTNfaVhHdU9meGlBZXVzaHZkaGUtaXhlQ0RnWlR6Vl9FVWtHM2NMNWQtTlZyT1hGc3BOOG1MVTZnLWxiWUFtQWNxSXZGZ0NTRnZ2b2xfa2dOTnBTZG10YzJYTFRVaUhUenlqWlhDUkFXVTI5YXZrVEVjWk15ZGhpQVZBWVg5cnl0WQ?oc=5) · TAPinto
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- 2025-02-12 [I-95's Missing Link in Central New Jersey Leads to a Lesson About Highways and Their Neighbors - TAPinto](https://news.google.com/rss/articles/CBMiggJBVV95cUxNLUVZUC12bmJBMEE3TmFXQ1E5Ti1EX0M0ckZXNFJ2bWx4bXBTVWN3cWU1MlozYmRVWWtqejU0TGpEZ1RkRWxkMHh1bmdfQlFjUzdsbXlUTDF1R1JFRUkxZEpha1hiRFA2SFZ5WmZXMFprZjM4ejB5cm43a0V5RElqYzF4T3dOejVtdjNMLWhTXzhqMFhMdFBSUXBPV0NRUE1lQ3drajEzb2EwbXY0ZUVvNnFyN0VCY2tTdVlnXzZJQjlEUHpJcWhwY2REcGdfSk9NVE5SNlR6UXYtblFZWk5palkzdTVzYjBGcDdTVHVFZzhhT0RvZ1ItbW9FR0dpWjVmbVE?oc=5) · TAPinto

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61488 (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/48.json (key "61488", 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=61488
- 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