# TRADEWINDS
Comstock Park, MI · NCUA charter 62086 · asset band <$50M · latest filing 2017-12 · stopped filing after 2017-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/tradewinds-62086

Who the members are: state charter, organized 1956. 2,609 members of 800,000 potential (0.3% of the field); checking penetration 31% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $17.8M |
| Members | 2,609 (-0.8% YoY) |
| Full-time staff | 6 |
| Net worth | $758,709 |
| Net worth ratio | 4.3% (p0 of band) |
| ROA (annualized) | -2.87% (p2 of band) |
| Total delinquency | 0.55% (p38 of band) |
| Net charge-offs (annualized) | 0.51% (p64 of band) |
| Loans / shares | 42% (p25 of band) |
| Cash / assets | 4.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.78% (p37 of band) |
| Operating expense / assets | 6.47% (p94 of band) |
| Vehicles % of loans | 65% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 13% |
| Third-party paper % of net worth | 80% (p96 of band) |
| Vehicle delinquency | 0.55% (p47 of band) |
| Vehicle NCO | 0.53% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 9% |
| Credit cards % of loans | 16% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 1% |
| Average share balance | $4,551 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 55% |
| Average loan balance | $5,168 |
| Loans granted, annualized | $3.3M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, losing money |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 4 | capital below 7% |  |
| 2017-03 | 6 | net worth falling, members leaving |  |
| 2017-06 | 4 |  | net worth falling, members leaving |
| 2017-09 | 5 | delinquency rising |  |
| 2017-12 | 6 | expense trap, auto monoline | delinquency rising |

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

- 2023-05-01 [Centier Bank Donates $5,000 to Tradewinds - GreatNews.Life](https://news.google.com/rss/articles/CBMie0FVX3lxTE51dGxrajVaOFVWMU1RU2pkREN0Y25LRFA2dFozc0tVQmdJejl5QUZRRkxOeTR5UjVHSC12MURQdEV0MExsSWZYRTk3WURFa2V1eTJGNk44VmZzYnBteE5wQm9COEFRdWw2eVNtNlZSc0pNckRZTE9TWDRiaw?oc=5) · GreatNews.Life
- 2023-11-08 [Marvin Herrmann Obituary (1938 - 2023) - Walker, MI - MLive.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPLWtGM01LSEtGVU5rLUw3ZWhZR25lYkJkaVJHNWxYSFBFdjlidldVOHlhLXpqZmpBV3Qzc1I5YTFYYUxOVEZjdHdlc3NlSXRUMEt6bU5XZnYxMjlvWjVhVG5ieUx1U2ZrdTA3WjV3RTRwMV9zaWVBdjlWaHNka19WQmRjdjNoNlowVXQtbDdDXzFvZlFVOWc?oc=5) · MLive.com
- 2024-07-08 [Strack & Van Til's partnership with Opportunity Enterprises and TradeWinds brings benefits for all sides - GreatNews.Life](https://news.google.com/rss/articles/CBMizgFBVV95cUxQMFdnZGVuUEJSQlgzUFRSYnk5Tm5DVnBnMFhySDV4WjRGd3RFR3BzYjhuallEeWIwQ2JHSjhSVmw0VE1CWE9LV1hsc1RMMGVpMG5TaVhXdDNUOEhFMV8xcmQ5dDhoYURKai1fMWpVakdWTjc1Uk9lTW9aSjI5N0lTbGdGUFluYVl5VFpNU1RuRzQ5cVRMUEVCSjdJTjhIVXVGcFZfeXFUT1ZJR3pnaHpUbXd0YnN3T3B0MG1mb2FNWkkxcjllQ0tqcFNkU0pLUQ?oc=5) · GreatNews.Life

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62086 (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/6.json (key "62086", 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=62086
- 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