# MONROE COMMUNITY
Monroe, MI · NCUA charter 61748 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/monroe-community-61748

Who the members are: state charter, organized 1954, low-income designated. 31,766 members of 5,000,000 potential (0.6% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $404.4M |
| Members | 31,766 (1.0% YoY) |
| Full-time staff | 68 |
| Net worth | $44.9M |
| Net worth ratio | 11.1% (p49 of band) |
| ROA (annualized) | 1.44% (p89 of band) |
| Total delinquency | 0.18% (p11 of band) |
| Net charge-offs (annualized) | 0.12% (p17 of band) |
| Loans / shares | 74% (p48 of band) |
| Cash / assets | 17.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.78% (p65 of band) |
| Operating expense / assets | 3.57% (p45 of band) |
| Vehicles % of loans | 38% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 72% |
| Third-party paper % of net worth | 267% (p89 of band) |
| Vehicle delinquency | 0.25% (p21 of band) |
| Vehicle NCO | 0.21% (p21 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 146% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 19% |
| Average share balance | $5,591 |
| Participations bought / yr | $14.6M |
| Participations sold / yr | $3.4M |
| Participations outstanding | $48.2M |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $14,928 |
| Loans granted, annualized | $94.9M |

## Participation posture (from the same filings)

Bought $14.6M and sold $3.4M in the latest annualized quarter; $48.2M outstanding purchased (107.4% of net worth), $4.4M sold and retained. Sold in 6 and bought in 8 of the last 8 quarters. Shares 3.7% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 4 | losing money |  |
| 2016-09 | 3 |  | delinquency 2x band |
| 2016-12 | 2 |  | losing money |
| 2017-03 | 1 |  | charge-offs p90 |
| 2017-06 | 2 | members leaving |  |
| 2017-09 | 1 |  | members leaving |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | thin capital |
| 2018-12 | 1 | 3rd-party paper>100% NW |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | members leaving |  |
| 2020-03 | 2 | net worth falling | members leaving |
| 2020-06 | 4 | thin capital, margin squeeze |  |
| 2020-09 | 5 | delinquency rising |  |
| 2020-12 | 4 |  | delinquency rising |
| 2021-03 | 4 |  |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 | delinquency rising | thin capital |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-03-20 [Monroe credit union plans major renovation of longtime branch - Monroe Evening News](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNMExjUjljRU5BWGVTb0U3R0RTVUlvMTZ3bElSLW4yNzdMRkRsQURtbV9UXzE3M3pqMDVoWVdPRm0xUlZmNUFWN2MzX3VmRnVtUE9sNXlxaGFhLXlJR3FMN0d4TTdVd2ZyZUxCU1hOb1RJZnFDRkU5RnlEQlloTTdBV1RvT0E3WllRZDFDMS1jSnJJRXYtQXVjSDlSaWNXaXlkMUN3OUVMQURrTENsY1FBdXl0WmlRZHRPOE9MQ1k4QmZ2VGFKNU8tU3dPejZ0cFFpTjdSbG5TRFMxOVRMakE?oc=5) · Monroe Evening News
- 2026-04-13 [Employees again rate Monroe Community Credit Union a top workplace - Monroe Evening News](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNVnU5ajRIa3A2QkNJWjdJcmgxbHdkZzVOcVBLUDE2OEdPVXd0STl0VjMwOGJLVFRvUE5LeG5IR0RmNWVxdzlaWm56d3FvT3Q0YklXckFibnFRTVRMZXRodTdobHd1YnJhVXAzNVNMVTRCSkx0b0dWdVF0MUtvRU1BanctWlFIS1dkOTlmSWRva2lmWEdWME1xcFJJNUNPTUZwOV9fQ2NBanZUVkpWR01GTVJaUzctRi1ZQV9jVFlmWDFwRnowUUJvb2RYanRXb1RtUHMtbVV1Y3hGQ0Q2VVE?oc=5) · Monroe Evening News
- 2022-08-30 [Amy Zangara Named Vice President of Human Resources at Monroe Community Credit Union - PR Newswire](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQNHZ2ZDdPR0paT0JYWWtIVjRyZG5fUHI5ZkN4WUVKZ3dWRkxWc1ZGVEZKU1J1dWIwcFZ6X3F5aWtWRFRZMk9nczdPMV9lSlFNdG9PeWtFNTBFbUNBM09HOUdhTTducV8xT2hTUFBGX185SVNIdHRzUmpWZTdWY0s2bF9FU05kVHVOcnk3VUhRU2J6VVViN3NoUjZWUXoxU3R5MVpZQ0Q5dkxxQkhuOE1Ja2tiRlZqSXRiOVVjcmhUc1VZaWZDbDV0QTZLMUZmSlY4VXozMVdUdw?oc=5) · PR Newswire
- 2023-10-26 [Monroe Community Credit Union celebrating 70th anniversary - Monroe Evening News](https://news.google.com/rss/articles/CBMivAFBVV95cUxOQlVpb183M3ktaEh0R25wRVlLcmN0d0VUMFNzUGNFRG5OTGxrOXBMdFNmOVlleUk4WUxwV2FzZmpKR2kxMGJubm10cFo3R3IxU0Y0UmJmQ3lSNWhYVEVHUG95RjhhMEVDSWhDRUR1YVpqenZfZ1BKYnJOUXdiMV9vVXBRQUZ1NVJiTGhORFJfMXBPN0NFQ2c1RXNaTmFCMV9lNGZkclNRTV8xQkhKR1JLVW9HWDRIUk0tNDE3Vg?oc=5) · Monroe Evening News
- 2022-09-07 [Hall promoted at Monroe Community Credit Union - Monroe Evening News](https://news.google.com/rss/articles/CBMirAFBVV95cUxNaXBBUzBEaW5YeTBJcGNZRFZ1MzU2LV9WSHF4cDE1djRlN0lqc0ZIcGxOaWRaZ1RJLTJFTGFHdGNQY01ySU0wdi1zY3Rsd09uNzhMalUtVFFHSkVRRG5fOW83akJhVWpvRGJ3ZFlxS0NaSEUyN3dnMHY4ZWZNTHE2VEZ0TVFESXVWdkREZ256RkdhNnhJOGxvTUl0dUVWUHhwa3F0REloNkZFb0RH?oc=5) · Monroe Evening News
- 2025-08-12 [Kate Hall elected to lead Michigan Credit Union Foundation board - Monroe Evening News](https://news.google.com/rss/articles/CBMixgFBVV95cUxOb3dBQlR2OXBFcWJZclRueHFSLWxWLUZzaHlJYWlYTWJMUUJETmFySUFJNUlQZDB6dVZHTVBRQnhoenhadHRPOTNXR3N2cXVuaUFjR3RHUFd3TEpxbEpwcjVLYXVycGZnTFhBNkdmemZ2STJqYlJ3WHZBMXJMbm56dEdhQzNvVnBoNGZraW5pSTRPc2lBakJzaTRFMUx0QklZdnFDNjBoOVB0VWNoVWhSZW1yWDNzdXdhV041SUtYMWtaaHo1ZGc?oc=5) · Monroe Evening News
- 2023-08-01 [Dr. Vincent Rimanelli appointed to Monroe Community Credit Union board - Monroe Evening News](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPcGVOMm9xNDU4MDYyLUk4UHJBR3FPUUd4cWdoNjQ1YzNwQWdRQmZkRXBaWkZrdFdoQTFTNERxWTZBMGlodVVrVW8zREJyQ1VCRkNCNEM3VjlDX0VWNkFmUU9qd0RxdGdqb0c5YzluNFA2ZkpISTZjVHBIZ0tySDlSZXVzdmFRNE9GWVFCc2RMc3JEd25ReVRNbUlzYTNHV2YxZlI5UEsxUTdkNnNBdjNINmtWX3ZneGxyRVlFT0hGUEc?oc=5) · Monroe Evening News
- 2025-02-16 [Monroe credit union on scams: The latest scams are using AI; spoofing is on the rise - Monroe Evening News](https://news.google.com/rss/articles/CBMi4wFBVV95cUxObU00NExJRUlTWFZDcmVVRlFmQm5VMWJlbmtpX3VwdEJVcWdsR2tlcV9uTUw4b0w0dE5mMk41UWN1ZVc4VnBIQUVLVFd4TlN4eDRhVFo5NEFab191X3JxbzNqUHZacW1neTBISHRNS2VrdGtXdTk5bzFyYUp6OWxBUko3VnVwbVh2aEhMUGJOcmdLdGZJNUZBOEtfRGU5UGFKSUVQSEw5cGZ1RmpqU3k3eFdUcDJsWFBWaUgwRnpMV3k5M1R2YUpYR1hfR0JpZU1oRkxMQjFRNExzbFNVbG52QUpmNA?oc=5) · Monroe Evening News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61748 (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/52.json (key "61748", 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=61748
- 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