# ILLINOIS COMMUNITY
SYCAMORE, IL · NCUA charter 61634 · asset band $100-200M · latest filing 2024-09 · stopped filing after 2024-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/illinois-community-61634

Who the members are: state charter, organized 1935. 10,482 members of 3,278,384 potential (0.3% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 77.

**Verdict on the desk:** this could be *quiet fade*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $116.1M |
| Members | 10,482 (-3.6% YoY) |
| Full-time staff | 37 |
| Net worth | $13.8M |
| Net worth ratio | 11.9% (p58 of band) |
| ROA (annualized) | -0.46% (p3 of band) |
| Total delinquency | 0.50% (p39 of band) |
| Net charge-offs (annualized) | 0.35% (p55 of band) |
| Loans / shares | 95% (p93 of band) |
| Cash / assets | 5.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.11% (p31 of band) |
| Operating expense / assets | 5.03% (p89 of band) |
| Vehicles % of loans | 53% (p74 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 46% |
| Third-party paper % of net worth | 171% (p80 of band) |
| Vehicle delinquency | 0.51% (p44 of band) |
| Vehicle NCO | 0.58% (p64 of band) |
| Repossessed % of vehicle book | 0.04% (p70 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 29% |
| Average share balance | $4,756 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 77% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $11,863 |
| Loans granted, annualized | $30.4M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)
- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 3 | net worth falling, losing money | members leaving |
| 2017-09 | 2 |  | expense trap |
| 2017-12 | 2 | 3rd-party paper>100% NW | losing money |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | losing money |  |
| 2018-09 | 3 | loans>95% of shares | net worth falling |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | net worth falling, members leaving | loans>95% of shares |
| 2019-06 | 4 | loans>95% of shares | losing money |
| 2019-09 | 3 |  | net worth falling |
| 2019-12 | 2 |  | members leaving |
| 2020-03 | 3 | net worth falling, delinquency rising | loans>95% of shares |
| 2020-06 | 2 |  | delinquency rising |
| 2020-09 | 2 | loans>95% of shares | net worth falling |
| 2020-12 | 3 | delinquency rising |  |
| 2021-03 | 1 |  | loans>95% of shares, delinquency rising |
| 2021-06 | 2 | loans>95% of shares |  |
| 2021-09 | 2 | delinquency rising | loans>95% of shares |
| 2021-12 | 2 | net worth falling | delinquency rising |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 3 | members leaving | net worth falling |
| 2022-09 | 2 | loans>95% of shares | delinquency rising, members leaving |
| 2022-12 | 3 | net worth falling, delinquency rising | loans>95% of shares |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 | losing money | net worth falling, delinquency rising |
| 2023-09 | 3 | loans>95% of shares |  |
| 2023-12 | 2 |  | loans>95% of shares |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 3 | delinquency rising | net worth falling |
| 2024-09 | 4 | members leaving, loans>95% of shares | delinquency rising |

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

- 2018-03-28 [U Of I Community Credit Union Merges With Credit Union Serving Carle Employees - Illinois Public Media](https://news.google.com/rss/articles/CBMisgFBVV95cUxPYTMxV09hb3FGMWc1N1FZQkJ2TVNEMS1tNGlITVBKZmMyby1iMWNkNWpGMllhTkJEN0REM3JkdkVTRmhUd2pZZjR2Q2c3Zlktd203YklMUkxLQXkyUlBfNGppeFlhcDlrYllhYlMzZHc2YU5wWS1sRG9Vb20wMEFVVWJoNnRURnU1MTBlVFBKNDd0V1RTWTRPa2ZsNWM1RjRkUi1kQmhZanlFLWttajFPc3R3?oc=5) · Illinois Public Media
- 2022-06-15 [University of Illinois Community Credit Union focusing on overall wellness of members - WCIA.com](https://news.google.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?oc=5) · WCIA.com
- 2023-04-28 [Land of Lincoln Credit Union to acquire Nokomis Savings Bank - Decatur Tribune](https://news.google.com/rss/articles/CBMipgFBVV95cUxPcTBIZ1YwMjFCQmoydkF2Q3g2dTQyanF3VDg1Q0tIOHlURXNxY2lSUXRHRndrTkZpUm0ya2Q3REhBcVNVQ0duVlRtWVB3em5wSEJjWFJDQ0l0THhMUmdmaTVMOEN3RmZSVC1WNGJzelhGYnBwRGpMS1Zza2tzZGRGS2VMMFh5dG9aYU96N1ROOE0yMk5zMDkweXJQcFVfa3lRVVpBbnhB?oc=5) · Decatur Tribune
- 2024-09-27 [DeKalb police arrest Chicago man for robbing bank at gunpoint - WIFR](https://news.google.com/rss/articles/CBMiogFBVV95cUxQNDcwV2JfT1FYLXBlUnprRDJSMEJXZ1lVRmktVkZzVmFLN056MWpSQUh6YzJUUkkzVVpaTkIxb2RiZS1MRDNNVTBXWml1UGU4UzZlVTQxeGhwT3BIQkk4S1czeXZUMjVKdUEzWUQ0RUMyaFBXZUZyUl9EU3BtSGRtMVFoZUFCcTNucndGd2IyZVZpWHdoanZqQmt3QXA3eHYtVnc?oc=5) · WIFR
- 2025-03-14 [No homicides in DeKalb in 2024, police crime data shows - Shaw Local](https://news.google.com/rss/articles/CBMirAFBVV95cUxQMWxxdkQyekNjbXJKQnlZY3FnMVBMMXdzVHB0aTZ3TmdFM04zclVFU1JBNG0xOHRRd1NGcDhvMGZhNzBBby1FTXpCUnpLY09kYTNhUHNoQ0NHei00RkR3OVNrNWY2dDJSX2xWQnNDYWExNGdEanBOdGpLOVgzdUg1SWh5MzJHeW1PSGhLNmF3NXRGUE13NUVUM0trZzNQekNPcjMtN1dkSV83Qmpy?oc=5) · Shaw Local
- 2026-08-28 [Breaking down credit reports and their importance with U of I Community Credit Union - WCIA.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxQWElSMTF6cmU1cHl2SlpRZFFTSWd1Y2o3TjZRR0VxYmdQZWlNaHltNjVQVU1oLTFncnpHa193MGh1YmhBVEh3blNuVFQ0UVo4d016T3FsN1UyTkNFOHhfTzYyaFRobjlSWm9YeXU3UjhQMS1leWZGRVh6LTFjNk9XSGp1S0xRYmtMUzIwMi1vRzRfX3VlSjdBdkQzNTZ6emNhdGFHNTNocmtjYm1kV0JqNXhEU3NXc1hiZUdjd3NR?oc=5) · WCIA.com
- 2024-06-04 [Peggy Schaffner Obituary (2024) - Champaign, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNMlBHV0dlbHBfblhxMnhMNjdYRXJBMU9ucVo0anZBWTEzUk52NFVPMjNBWHZ4T2hnbXA5VTdnZTViTjFyM1h3YVRxWWt6Q1gtcVZYbW5sV2V4cWp0dkxmVVZKQkVYd29UNjAxQXRpS08zcDlzcDJjOW8wcjJVb0pGQi1HeXdsbDNCTE16SzNKNWgzZTZITlE?oc=5) · legacy.com
- 2020-05-19 [Business Ledger honors 73 companies as Best Places to Work in Illinois - Daily Herald](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNWEN3UFJMRTBBZzFMSUNpeTREZnF0SUdEVkVTNFNCWmt2WVNrTnR6c1FQNWtGLUFEUGRWcFJva1FFM2VKdzVCV1JKZG9GcGIwMUZRbUlUWC1ia3B0WW51dHRoZjhxajUxY050Z1laNmN6cjhBVlU5WVJsd1hRV0h0RzdJME5ITm5uY1VpU0JLYjJCcnlQazYyMnhna1RYUHRhS3dTNnhuRU9reV9lR3NUUXZQUENLdmhG?oc=5) · Daily Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61634 (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/2.json (key "61634", 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=61634
- 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