# MEADOWS
Palatine, IL · NCUA charter 61639 · asset band $100-200M · 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/meadows-61639

Who the members are: state charter, organized 1941. 9,599 members of 80,000 potential (12.0% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 62.

**Verdict on the desk:** this could be *stressed*. 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 | $117.8M |
| Members | 9,599 (-4.9% YoY) |
| Full-time staff | 31 |
| Net worth | $7.8M |
| Net worth ratio | 6.7% (p2 of band) |
| ROA (annualized) | 0.29% (p28 of band) |
| Total delinquency | 0.54% (p38 of band) |
| Net charge-offs (annualized) | 0.47% (p64 of band) |
| Loans / shares | 72% (p49 of band) |
| Cash / assets | 1.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.15% (p59 of band) |
| Operating expense / assets | 3.83% (p59 of band) |
| Vehicles % of loans | 33% (p44 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 27% |
| Third-party paper % of net worth | 92% (p65 of band) |
| Vehicle delinquency | 0.07% (p9 of band) |
| Vehicle NCO | 0.21% (p27 of band) |
| Repossessed % of vehicle book | 0.00% (p29 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 22% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 1% |
| Average share balance | $5,430 |
| Participations bought / yr | $55,333 |
| Participations sold / yr | $4.8M |
| Participations outstanding | – |
| Loans outstanding per 100 members | 62% |
| Loans granted per 100 members, annualized | 38% |
| Average loan balance | $13,187 |
| Loans granted, annualized | $37.7M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, capital below 7% |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | net worth falling |  |
| 2017-06 | 3 |  | net worth falling |
| 2017-09 | 4 | members leaving |  |

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

- 2026-09-09 [Wu-Tang Clan Add 26 New Dates to ‘Wu-Tang Forever: The Final Chamber Tour’ - TicketNews](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOSEJQeDd5S0szeFRob0VpQnRYM243aXJwUlRrTWlmMGIwbnRpSUF6Mm5qVE53R1JvYTRfbGJoMU1LVnJ3azRrODdicGU3THZ2dzVUSmt0eldmU084NmZhTTdhdEZQUXk2WnV2UXVEekFUTGFNeHM5M3RwSURZeFJzUVlOdmlrbFRVX1RHd2xTVkVibExINlpjLS1RNlVoWVh4ZDBYNXBwT3dBZ2M?oc=5) · TicketNews
- 2025-11-25 [Credit Unions Go Large and Go Rogue - The American Prospect](https://news.google.com/rss/articles/CBMickFVX3lxTE9ueUxKMk1XYzRMRW5YdVJLcnBHUGhDdFczbHBsQWZxS25IWHdCd1p0XzlkZ3M4SFlXZzEyVnRGN244eV9OTGx2cDdzc2pHdnUzYXBfVWc4Wm1QZnF3OWhyR0wwbzNub2JnTVRBQnJ0RVBJQQ?oc=5) · The American Prospect
- 2026-07-09 [NE-YO & AKON Setlist: What to Expect on the Nights Like This Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiXkFVX3lxTE8zMVQ5aFY5QWdWcEJWVGZ5VnRFbm8tNFBxUkxLQm9yQnpCdzMtVUliRFp3eWRyaDVaUFVBbWxIMkVmcVhNOGd5ZVNqVENoM2VxOXNMZWlaN1BDdC10TlE?oc=5) · Ticketmaster Blog
- 2026-01-08 [The Best Savings Accounts in Illinois for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMieEFVX3lxTFB4SGZBdzhQZDVuT2VlVEpySE9zQW9xSnFzWHprUXppVGZKQkdmdl9QSXZRNDRWMU5WLTlHN25Gem1PQWh6RkNyenE4emd4MW9EVGkxZk5NVUplSU4zdll0dWxMdGNSWXR1el9EU2xjak9NZndMRl83Yw?oc=5) · MoneyRates
- 2026-01-27 [NE-YO & AKON Announce “Nights Like This” 2026 Global Tour Celebrating Era-Defining Hits - Live Nation Newsroom](https://news.google.com/rss/articles/CBMivgFBVV95cUxPeW1idU5XOE4wQzdCVWRDQ3NMR0ZObzFvejFBbHkwTk55UXViRU1vX2JYcGsxd2FvWm51V29ISjBnUUYxaTZaZWw0WDU4LTN0OVZ4RzFZT1Q4N3ByY1FfRlNJVmM5RVJFY2Fuc091T0NDOVpSUm9mQnRSRG1hY2U1SHNhSjlmUHJfS1UwUzVKb1VUeWpmaWJNTjNKbjREQ3kweUR1RTE5ZWdhWnBCWHl2ZmJ6TUdqNUhTQ0dWeDN3?oc=5) · Live Nation Newsroom
- 2026-06-03 [Jeanine Jones Obituary (1944 - 2026) - Clearwater, FL - Northwest Herald - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNd0xfV1lfQ2xNVHZZSUZ3aVhLV2gwVGpLbDlObzY5SkNVay1ZLXdub2k2czU4YWxHZUZ5VWFBNzNmRmFGR3pSU2xva2RxTlVCemtsVFNxbWQ3dGVwNGdaeV9vdmw2U1VZR0hseDFrQXJ6X3FvMkNMWThVNkpKRXhJcXNXdm1jcE1IcFZ3QzFB?oc=5) · legacy.com
- 2026-01-15 [Pitbull Announces I’m Back Tour With Lil Jon as Special Guest: See All the Dates - Billboard](https://news.google.com/rss/articles/CBMinwFBVV95cUxPa19yRTFScVF3VVJSNFFIc2lxekxZRDRBLVhlVDBVVmxuZ2ZKdV9ZZlBBa0dKSG11d0JnQ3A2eVluYjZGNWQ3dkZLTWNFVUlxdkEtSUlFbTIxSUZNaURZaEVFVFBmWFU5VENscW5LbWMxNHJxaE1EQ25CaGQwMXVqRmdHdWFjbTdsaFRkeXZ6YndDREFNeEZHMXFreXdmUms?oc=5) · Billboard
- 2026-05-18 [Pitbull hits the road for ‘I’m Back’ North American tour: How to secure last-minute ticket deals - AL.com](https://news.google.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?oc=5) · AL.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61639 (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 "61639", 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=61639
- 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