# MIDWEST COALITION OF LABOR
Countryside, IL · NCUA charter 61847 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/midwest-coalition-of-labor-61847

Who the members are: state charter, organized 1974. 8,560 members of 250,000 potential (3.4% of the field); checking penetration 31% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $77.8M |
| Members | 8,560 (2.8% YoY) |
| Full-time staff | 9 |
| Net worth | $11.6M |
| Net worth ratio | 14.9% (p69 of band) |
| ROA (annualized) | 1.46% (p84 of band) |
| Total delinquency | 0.91% (p69 of band) |
| Net charge-offs (annualized) | 0.33% (p58 of band) |
| Loans / shares | 78% (p81 of band) |
| Cash / assets | 15.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.68% (p92 of band) |
| Operating expense / assets | 3.35% (p42 of band) |
| Vehicles % of loans | 43% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.37% (p38 of band) |
| Vehicle NCO | 0.08% (p41 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 16% |
| Average share balance | $5,653 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $16,104 |
| Loans granted, annualized | $15.2M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 1 |  | charge-offs p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | net worth falling, delinquency rising |  |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 1 |  | thin capital |
| 2019-03 | 2 | thin capital |  |
| 2019-06 | 1 | assets shrinking | delinquency rising, thin capital |
| 2019-09 | 0 |  | assets shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | delinquency rising |  |
| 2020-12 | 0 |  | delinquency rising |
| 2021-03 | 1 | net worth falling |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | delinquency rising |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency 2x band |  |
| 2023-03 | 1 |  | delinquency 2x band |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 1 | assets shrinking |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | assets shrinking |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | delinquency 2x band |  |
| 2025-06 | 0 |  | delinquency 2x band |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-03-01 [The Workers’ Mic (3/1/26): The Workers’ Mic talk with the Midwest Coalition of Labor Credit Union about a new promotion - WGN Radio 720](https://news.google.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?oc=5) · WGN Radio 720
- 2024-02-25 [Benefits of the Midwest Coalition of Labor Credit Union - WGN Radio 720](https://news.google.com/rss/articles/CBMimAFBVV95cUxOYXlhb1FtNjA0Rzg1bVUxaXpQZmh3RVBGX2EzcGFjY3p2WmNpQnUzYXNKRHk1VHBmMDYxVEs0engybWhGYWN0bzJqS2RJWE5qYmhkNGlUckd1RUY2VE9pZnFkYUxqbExrcWhTLW5lWW1IbWRKUUR3cWwwYTAxVTB4VVZsZ29BZHh4NmlnTFBOb2F1ZGd1ZDQxctIBngFBVV95cUxPZzdHb1h2dDdSRmNyaGlZbWxsMDN3bThzYW9WbUZtQkhhSEZCdno4TXhfWHhBNHFlN241V2pUY0N5SWNmZVpmcHh1TC0yU3E5akpXelh2bEx0RkN0emRnclBLRENlN1N1TVF0c2U2STdPSDIwQkh2M1E1cUdqMDB1SUUtYUFsc0E0ZXJQRkNDY1dxYWFDMURZVUJUUG9oUQ?oc=5) · WGN Radio 720
- 2023-02-26 [The Workers’ Mic (2/26/23) – Casey Martin, Midwest Coalition of Labor Credit Union - WGN Radio 720](https://news.google.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?oc=5) · WGN Radio 720

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61847 (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/23.json (key "61847", 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=61847
- 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