# GABRIELS COMMUNITY
LANSING, MI · NCUA charter 61630 · asset band <$50M · latest filing 2023-12 · stopped filing after 2023-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/gabriels-community-61630

Who the members are: state charter, organized 1957, low-income designated. 2,712 members of 5,000 potential (54.2% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 91.

**Verdict on the desk:** this could be *stressed*. Composite score 11 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $27.1M |
| Members | 2,712 (-1.3% YoY) |
| Full-time staff | 9 |
| Net worth | $-2.3M |
| Net worth ratio | -8.6% (p0 of band) |
| ROA (annualized) | -22.52% (p0 of band) |
| Total delinquency | 3.84% (p90 of band) |
| Net charge-offs (annualized) | 4.19% (p98 of band) |
| Loans / shares | 92% (p86 of band) |
| Cash / assets | 6.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.71% (p95 of band) |
| Operating expense / assets | 19.63% (p100 of band) |
| Vehicles % of loans | 38% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | – |
| Vehicle delinquency | 9.40% (p98 of band) |
| Vehicle NCO | 6.55% (p99 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | – |
| Core shares % of member funds | 39% |
| Certificates % of member funds | 29% |
| Average share balance | $5,112 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 91% |
| Loans granted per 100 members, annualized | 28% |
| Average loan balance | $9,630 |
| Loans granted, annualized | $7.7M |

## 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`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | expense trap |  |
| 2016-12 | 0 |  | expense trap |
| 2017-03 | 2 | net worth falling, expense trap |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 | delinquency rising | expense trap |
| 2018-03 | 3 | net worth falling, expense trap |  |
| 2018-06 | 2 |  | expense trap |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling, margin squeeze | delinquency rising |
| 2019-06 | 2 | delinquency rising | margin squeeze |
| 2019-09 | 3 | margin squeeze, delinquency 2x band | delinquency rising |
| 2019-12 | 0 |  | net worth falling, margin squeeze, delinquency 2x band |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | delinquency 2x band |  |
| 2020-12 | 1 | delinquency rising | delinquency 2x band |
| 2021-03 | 2 | expense trap, margin squeeze | delinquency rising |
| 2021-06 | 2 | net worth falling, loans>95% of shares | expense trap, margin squeeze |
| 2021-09 | 1 |  | loans>95% of shares |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency 2x band, delinquency rising | net worth falling |
| 2022-06 | 2 | loans>95% of shares | delinquency 2x band |
| 2022-09 | 3 | delinquency 2x band |  |
| 2022-12 | 2 |  | loans>95% of shares |
| 2023-03 | 2 |  |  |
| 2023-06 | 4 | losing money, charge-offs p90 |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 11 | thin capital, capital below 7%, net worth falling, expense trap, assets shrinking, loan book shrinking |  |

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

- 2024-01-22 [Gabriels credit union still to close — but banking services and a community space are coming - Lansing City Pulse](https://news.google.com/rss/articles/CBMivAFBVV95cUxPUFhXTDE2UTM2S1RvUlItbjk4d2xJUFVmbGswQ2I0MDVYc3hFcnhSWkJKWDV3RW44N0pqNkZPbWxONzZyTWxCbHlubVd0allOcGk0blNDWkR0LWtmRVJQVFBOMjhDWGlzOGpjWFEwZ0ZpNkFqRFYydnVqUUFNNnZxT0ZzWE1UbFVYNnpGNzlDVWJ0Zldmd2xSejQ3TFN0YTVzNHJaaVQ5OS1XTUtWaEw4Qnk5dmNSaVpkaU9ucA?oc=5) · Lansing City Pulse
- 2023-11-14 [MSU Federal Credit Union plans merger with Gabriels Community Credit Union - WKAR](https://news.google.com/rss/articles/CBMitwFBVV95cUxNUUl1SzFGSmZVNEo3UWpvbXI5dndFNHFqeENJTXN4eWxGd0FBQ3ZKVnY3STRNRHV1TXNlcS1sWm9XZVVxU3Y3aWhmNFI0VkZvX2x1VGpDbWJLaUt6M29CRUpIcTZ0cG5zbmRwcDhNamxMNWM1SmRtWm1mY2lJVGk0Q0U3bnBWVFpmUFZUSnhSRGF6NXNjc2ozeUh1TzcxMVQ0V1l6bDBpZHh2NjJnb0Q2TjJfTnVyemc?oc=5) · WKAR
- 2024-01-03 [Gabriels Community Credit Union takeover by MSUFCU is now official - Lansing City Pulse](https://news.google.com/rss/articles/CBMinAFBVV95cUxOY2ZWSG0zNkFibU1qTWsxOXJJeUpNMHlkU1dLWkVFMXM0Ym5qTDQzejNoazVvek9fV2VQaGVRUlg3VVBTVG5WemJsampJX0EtdUEwenlINjVySlB4d0xHTVFndGo1aWh1X0llb05HQlVnaUJmOGhrUndYUkQ3azZnZE5WQmxBSmczNjBrYldDWDdaeFRJS2llQU5mS24?oc=5) · Lansing City Pulse
- 2023-11-15 [Michigan State University credit union extends buying spree - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxOT0ZNaTJDUTJVSzRpY1k4ckZXRm9RYTVkQmtiUS1WRlhIS2J2SHVXR2VDVmlyVXZUZWFwTEszTjI0MzdKSWZSaTJMcGp3LTByZlcxWVo2ZjVYeFc1NTNkbHZVT1UwM1pucG40RkgxeGtmUVJkVXJUYjFtSXhsd3k5bjNkUGdETG5seHVSM0pGM0p4RXNkdDlaOXdkYw?oc=5) · American Banker
- 2023-11-15 [Two Michigan CUs Announce Merger Plans - cutoday.info](https://news.google.com/rss/articles/CBMihwFBVV95cUxOX3dVbXJSTnc3QTVpUm55VEhLTXBSckJjWWM5LW9aZDlhOENPaWs4N3Z0OFh0QnAzNXk1VEdjbGg5Y216VnU1ekNLSlhwYXZMS3AtNU0yQm4xdmdTM1BfVmxsRmxVM0hZN1NMaE9ldExmNlc0M05ERm1hWE1UT1FMdTlPSWNvM1U?oc=5) · cutoday.info
- 2023-01-07 [Louis Fiore Tallarico Obituary - Lansing State Journal](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1lTjgtZ0NhNWZ1ZDNGMDEwZG0yOVAzWGQzS0Jfbzl0REI4bG9VTjlYZWV2b0ZYTFB2b2hiXzl4OUpyTjNydTNvQ1VEcVlPZk9wanNQWEJoaDRPVG9PNWhxREU3cFZtNUE?oc=5) · Lansing State Journal
- 2018-03-17 [Arron Auvenshine Obituary - Lansing, MI - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxPclpwazBEcVNHYl90Tl91bmJ6WWVUUFk3ekpnYlJGZ3NSRWM0RVZ0YWJNTUhMVU80cHRVY1MwY0RLQ2dzYVdUZkpCY2R1MnY0MU81LWxHWVp4VXZvcnNKS3B4eF8xZC1lVm5oUU1ZYkVKeEh0elNJRTZqUDBsd01DbmhKUEs?oc=5) · Dignity Memorial
- 2025-10-14 [Banks, fintechs back in the M&A game - FinAi News](https://news.google.com/rss/articles/CBMic0FVX3lxTE1hOERFcHlKcWt1MHBhOEpUNFhkcHdiQ3hyTUhETTBLLWs4aWpUUGJzTTBZeXZFX2ZNeWxOZTJCLTh3Um9JRVRtajJaSGZIWHZFWF90UFVITmdQMU5fZzVqandBeXlOaG5PQXU1bkZxOU5Ebzg?oc=5) · FinAi News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61630 (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/62.json (key "61630", 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=61630
- 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