# U. S. EMPLOYEES
Chicago, IL · NCUA charter 61793 · asset band $100-200M · latest filing 2025-12 · stopped filing after 2025-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/u-s-employees-61793

Who the members are: state charter, organized 1953. 5,957 members of 40,000 potential (14.9% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 2216.

**Verdict on the desk:** this could be *participation 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 | $101.7M |
| Members | 5,957 (-8.2% YoY) |
| Full-time staff | 15 |
| Net worth | $13.1M |
| Net worth ratio | 12.8% (p65 of band) |
| ROA (annualized) | 1.16% (p75 of band) |
| Total delinquency | 0.54% (p37 of band) |
| Net charge-offs (annualized) | 0.49% (p66 of band) |
| Loans / shares | 31% (p3 of band) |
| Cash / assets | 38.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.95% (p67 of band) |
| Operating expense / assets | 4.00% (p62 of band) |
| Vehicles % of loans | 44% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 65% (p61 of band) |
| Vehicle delinquency | 0.40% (p33 of band) |
| Vehicle NCO | 1.10% (p80 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 4% |
| Average share balance | $7,550 |
| Participations bought / yr | $4.8M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 2216% |
| Loans granted per 100 members, annualized | 654% |
| Average loan balance | $208 |
| Loans granted, annualized | $10.7M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | delinquency 2x band |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 4 | expense trap, delinquency rising, members leaving |  |
| 2017-06 | 5 | net worth falling |  |
| 2017-09 | 1 |  | expense trap, delinquency rising, members leaving, net worth falling |
| 2017-12 | 3 | delinquency rising, charge-offs p90 |  |
| 2018-03 | 3 | net worth falling | delinquency rising |
| 2018-06 | 3 | members leaving | net worth falling |
| 2018-09 | 2 |  | members leaving |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | losing money, members leaving |  |
| 2019-06 | 3 | net worth falling | losing money, members leaving |
| 2019-09 | 1 |  | delinquency 2x band, net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | expense trap | charge-offs p90 |
| 2020-06 | 1 | net worth falling | expense trap |
| 2020-09 | 1 | charge-offs p90 | net worth falling |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 2 | net worth falling | charge-offs p90 |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 0 |  | net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | delinquency rising, members leaving |  |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 0 |  | members leaving |
| 2022-12 | 1 | members leaving |  |
| 2023-03 | 0 |  | members leaving |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 | members leaving | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | loan book shrinking |  |
| 2025-03 | 1 |  | loan book shrinking |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |

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

- 2023-08-27 [Best Credit Unions to Work For 2023, ranked 1-35 - American Banker](https://news.google.com/rss/articles/CBMihgFBVV95cUxOSlhGY2UxTDdyY3FkYjNBR214VDU2NEZmbDNyeGtYY05nYXRwX0ZKUWJnZk1yLXBoMkJoejBobWpaX0lMMURfeE11X2IyeElRSFJ4aFVDbXZISzRlQnMycWsyZGxNSTJfNlQ0SFJFSVdQb0xfbUVZWGtsY3FwSVZ1OGJYM04xZw?oc=5) · American Banker
- 2021-08-10 [COVID-19 Vaccines: Employers & Requirements - Health Action Alliance](https://news.google.com/rss/articles/CBMirwFBVV95cUxNMkpHQ2VFNVNFV2RzWjZGaS1nSV9DOE5CSGZfc2t0R1pscll1c2lDNzNvWUpfUVhwNzh5Njh2WXgwcXpyUVZyWUpJUm80YXFRVFZHX1hNa0QwREJNOEJMTTZoXzRNRkxSWFZkUE5rdzhJd0xrOVdmTnZhaEZUZUFrbGc2emxHbm5hcVp2d1U3ZVNjY3N5T0ZhU3dHZnBxNjRpSEtqcGRueC1LUnM3aThv?oc=5) · Health Action Alliance
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2023-06-05 [Best Places to Work in Fintech 2023 - American Banker](https://news.google.com/rss/articles/CBMie0FVX3lxTE1MYkNRMEh0OFlnNzhadmRlRVJnQmZCMlBfMDNUZWJLeXRFdnN2UHplTVpiM2kxbmd6cFVVSDMzdjB3aFBDcVdRdjVyZzhTN2I1cDBZV2dPa3VWWXNnejVNVDM3Vk9VaVRvaGF0WG1GWXA0LUZBVmxfbzE5VQ?oc=5) · American Banker
- 2015-03-18 [The 10 best companies to retire from - Fortune](https://news.google.com/rss/articles/CBMibkFVX3lxTFBIbjlvTTVDSloyemEwSlc5U2xsMkljekc3TUtBS1ZJSUhpVXlNX0gzZHlfS3hQeXZlVzg0Y293MFRRb0hEN0ZYMXZ4M1pQNHBqVkROU3g1c01WQThKNmNCZXhkUkh1ZnNnUXBsOHFn?oc=5) · Fortune
- 2019-01-10 [Businesses offer furlough freebies, shutdown specials and assistance to federal workers - USA Today](https://news.google.com/rss/articles/CBMivwFBVV95cUxOaUdXS3N6dnhza0JPS29NcnZHM3Boby0xWVF3OU5EaXRicVRsQncyQ0NDaDYwZnNnTUpWS0hBazNzaUFRQ1Q5RGltTjVlaXZTYmVjaXB0WXFsZGFOVFY1cXlQak1ZQlVfU0R6bFZkV2FrNVJjRFlGNk1tOFJQRXA4TjZ1MENSWVlJVXRoeWlydTRsZkJyQWFkUXA2c0dpZm5Za05ORFpyTU9VRGh2aGtWRnR1QW1hYm9BalQ5VmdISQ?oc=5) · USA Today
- 2024-05-06 [Best Places to Work in Fintech 2024 - American Banker](https://news.google.com/rss/articles/CBMidEFVX3lxTFAwTkFaSTBDcVBtYXZEY2tZcERtTmtfMFRoT3NjemNRc2owYTR3M01JQnhqU3Q4STN6NllUdmNBeEE5WkhGUnNqaFFOa1JBcHpLQnl0ckVUam5Ickt6bjhjbUV5Q055c2Q4Mnc2cEhzbFFIWnlu?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61793 (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/33.json (key "61793", 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=61793
- 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