# DIVERSIFIED MINNEAPOLIS, MN · NCUA charter 61726 · asset band <$50M · latest filing 2021-03 · stopped filing after 2021-03 (departed; for a credit union that is almost always a merger) Share link (named URL with a preview card): https://getbookiq.com/cu/diversified-61726 Who the members are: state charter, organized 1930. 2,892 members of 1,400,000 potential (0.2% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 269. **Verdict on the desk:** this could be *stressed*. Composite score 10 of 18 (one point per flag across 17 flags, capital below 7% counted twice). ## What the filing shows | Measure | Value | |---|---| | Total assets | $41.9M | | Members | 2,892 (-4.7% YoY) | | Full-time staff | 7 | | Net worth | $2.9M | | Net worth ratio | 7.0% (p7 of band) | | ROA (annualized) | -7.27% (p1 of band) | | Total delinquency | 2.07% (p84 of band) | | Net charge-offs (annualized) | 1.37% (p94 of band) | | Loans / shares | 82% (p93 of band) | | Cash / assets | 25.2% | | Borrowings / assets | 0.00% | | Net interest margin | 4.48% (p95 of band) | | Operating expense / assets | 11.62% (p99 of band) | | Vehicles % of loans | 15% (p10 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 365% | | Third-party paper % of net worth | 597% (p100 of band) | | Vehicle delinquency | 1.49% (p82 of band) | | Vehicle NCO | 1.54% (p95 of band) | | Repossessed % of vehicle book | 0.00% (p46 of band) | | Real estate % of loans | 22% | | Credit cards % of loans | 3% | | Unsecured % of loans | 4% | | Commercial % of net worth | 24% | | Core shares % of member funds | 57% | | Certificates % of member funds | 9% | | Average share balance | $7,394 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | – | | Loans outstanding per 100 members | 269% | | Loans granted per 100 members, annualized | 89% | | Average loan balance | $4,069 | | Loans granted, annualized | $19.8M | ## Flags firing in the latest filing - **thin capital** (`cap_low`) - **capital below 7%** (`cap_critical`) - **losing money** (`earn_negative`) - **expense trap** (`earn_opex`) - **margin squeeze** (`earn_nim_squeeze`) - **delinquency 2x band** (`aq_dq_high`) - **charge-offs p90** (`aq_nco_high`) - **members leaving** (`shrink_members`) - **3rd-party paper>100% NW** (`str_thirdparty`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2016-03 | 3 | losing money, delinquency 2x band, 3rd-party paper>100% NW | | | 2016-06 | 1 | | losing money, delinquency 2x band | | 2016-09 | 1 | | | | 2016-12 | 2 | net worth falling | | | 2017-03 | 3 | delinquency 2x band | | | 2017-06 | 2 | | net worth falling | | 2017-09 | 4 | thin capital, loans>95% of shares | | | 2017-12 | 5 | net worth falling | | | 2018-03 | 7 | losing money, charge-offs p90 | | | 2018-06 | 6 | | net worth falling | | 2018-09 | 6 | | | | 2018-12 | 8 | assets shrinking, loan book shrinking | | | 2019-03 | 9 | margin squeeze | | | 2019-06 | 7 | | loan book shrinking, margin squeeze | | 2019-09 | 6 | members leaving | losing money, charge-offs p90 | | 2019-12 | 6 | charge-offs p90 | assets shrinking | | 2020-03 | 6 | delinquency rising, assets shrinking | thin capital, loans>95% of shares | | 2020-06 | 6 | thin capital, margin squeeze | delinquency rising, assets shrinking | | 2020-09 | 6 | net worth falling | charge-offs p90 | | 2020-12 | 4 | | thin capital, net worth falling | | 2021-03 | 10 | thin capital, capital below 7%, losing money, expense trap, charge-offs p90 | | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-03-30 [Korean Teachers’ Credit Union’s assets reach $56.6 bn as profit hits record high - KED Global](https://news.google.com/rss/articles/CBMidkFVX3lxTFBrTGQ5M192NHFvOFRfcmJnRWRyUjZLY0dsdTA5c1hYQldobW1FUGVaV1M4bnJTLUVkRnJGem45RWNZazVSeDRTcE5WMlRmYjJmeUFJM1RNQ3NqSmlFcjdrRDJmMVVETXU2a05zWlZ6N1BuWW9aZHc?oc=5) · KED Global - 2022-05-05 [Four of the largest credit unions in Twin Cities create commercial-lending partnership - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPVm9Td19TZmd6Z1A4ellHTGVqbnBjcXI0N3hUdnBwTFQxMTJpSENhNXp3NmJxNXhfSUJzRThnZG1mLW5BRC1QRGcyNlkyTThKRFM3NlpsNXpsOXJKMUVjRVNMYndORWdzbmdXWDVncXd2UG5UdVpZeWdpSUV2cTNEYzM0ZDFvc3RmQmNEdHh0S3hEbnQyRzBEeUREd0hRdDltSUN0NWNHQQ?oc=5) · The Business Journals - 2021-02-03 [Kenneth Cerwick Obituary Feb 3, 2021 - Laufersweiler Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMidkFVX3lxTFBuXzNpTngwZ0xnTlotZWpoT2xVSEhvTGt1eE5yVUxYN2RaQzJLWHdJbU8zOVM0OUZEelRFQVlZTzlKd2JzZDl1MUdUUmM4dXgtWV9HZXhEcVgzV193MVlidWJjWkNoTWFYNU53THNMSXhCazVxaHc?oc=5) · Laufersweiler Funeral Home & Cremation Services - 2016-09-10 [Faces for Sept. 11, 2016 - Duluth News Tribune](https://news.google.com/rss/articles/CBMidEFVX3lxTFBKV1hRMjRFMHlMS3ZIaFVBeGIxQlVOeXg3bW5OZnVXbENFZzR2UUhIQlNwWWZmMklteHZoY1ZHLXBuNG40QThNeS1WaGl6eXRlR1hKZUc5VVI4bDFiMzRHWl9IQXZFVlRxcjMyOWQxQ3dkUnVG?oc=5) · Duluth News Tribune ## How to verify - Page: https://getbookiq.com/cu-intel/#cu=61726 (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/30.json (key "61726", 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=61726 - 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide