# ILLINOIS VALLEY
Peru, IL · NCUA charter 62121 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/illinois-valley-62121

Who the members are: state charter, organized 1955. 4,213 members of 40,000 potential (10.5% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 435.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $37.5M |
| Members | 4,213 (1.2% YoY) |
| Full-time staff | 10 |
| Net worth | $3.7M |
| Net worth ratio | 9.9% (p16 of band) |
| ROA (annualized) | -3.59% (p3 of band) |
| Total delinquency | 1.53% (p72 of band) |
| Net charge-offs (annualized) | 0.76% (p81 of band) |
| Loans / shares | 81% (p83 of band) |
| Cash / assets | 21.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.61% (p77 of band) |
| Operating expense / assets | 7.42% (p95 of band) |
| Vehicles % of loans | 74% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 71% |
| Third-party paper % of net worth | 398% (p100 of band) |
| Vehicle delinquency | 1.67% (p75 of band) |
| Vehicle NCO | 1.34% (p89 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 15% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 15% |
| Average share balance | $5,379 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $399,731 |
| Loans outstanding per 100 members | 435% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $1,494 |
| Loans granted, annualized | $12.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $399,731 outstanding purchased (10.7% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -0.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 1 |  | delinquency 2x band |
| 2016-12 | 3 | net worth falling, auto monoline |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 | delinquency 2x band | net worth falling |
| 2017-09 | 3 | charge-offs p90 | delinquency 2x band |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | assets shrinking |  |
| 2018-12 | 4 | delinquency 2x band, delinquency rising | assets shrinking |
| 2019-03 | 4 |  |  |
| 2019-06 | 2 |  | delinquency 2x band, delinquency rising |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | loans>95% of shares |  |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 4 | margin squeeze | loans>95% of shares |
| 2020-09 | 4 | delinquency 2x band, loans>95% of shares | net worth falling, margin squeeze |
| 2020-12 | 4 | margin squeeze | delinquency 2x band |
| 2021-03 | 4 | net worth falling | loans>95% of shares |
| 2021-06 | 2 |  | margin squeeze, net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | loans>95% of shares |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | delinquency rising |  |
| 2023-06 | 4 | repo signal | delinquency rising |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | loans>95% of shares, repo signal |
| 2024-03 | 4 | net worth falling, loan book shrinking |  |
| 2024-06 | 7 | delinquency rising, repo signal, members leaving |  |
| 2024-09 | 5 |  | net worth falling, repo signal |
| 2024-12 | 6 | repo signal |  |
| 2025-03 | 5 | losing money | members leaving, repo signal |
| 2025-06 | 2 |  | loan book shrinking, delinquency rising, losing money |
| 2025-09 | 6 | net worth falling, margin squeeze, delinquency rising, assets shrinking |  |
| 2025-12 | 4 |  | delinquency rising, assets shrinking |
| 2026-03 | 7 | losing money, expense trap, delinquency 2x band, delinquency rising | margin squeeze |

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

- 2026-08-03 [Illinois Valley Pistol Shrimp Radio Home - starvedrock.media](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOZFlFSmgxTGNjSFdrWnJmTXZvbkstN1dnb0lUN3FaNXBHVkhkSkxxMjE1QkplWm90Skhadko5ajFaWGNRMWJreWdWaklCLVVSbVpxcUtFVXNraTdYTGhlc3lVTXJXTUNpTHJzRnp6OVJtcGVHdlExOHNHc2FzRkh3R3NzOUVZT01CMC13UWFva1owMEtSdVRVOG0zczNscnZuemg4c1c1SUhWQUNaQVUzMElXbWIydUFTd2VfNXBFX3kyWUU?oc=5) · starvedrock.media
- 2026-03-18 [Starved Rock Local 2026 Primary Election Results | 103.9 WLPO - starvedrock.media](https://news.google.com/rss/articles/CBMizgFBVV95cUxNbDJTRHdzVk9CdnJXX3RKUWpOSDFIRXJxRmZISlpJME95cnpKbDVraXhhaDJpajNlcmVENm1qNk5hMWNKNW9iaFp4SGRCcllad3lnNFQ4X1hPYU15SWppc1J3T09DT3N0NTBsOGhxZU52dkZ1Z3NTbDFSZl94cGxGXzJ2WHFYVjVlRFUwTk5CX1BwbklpSnhLa0pNUUVTaE5XVG1nMVJNXzVvNTZBeklhbXRTUDNQMHVvS00yTm92VlZNdUpCVGxVUlpXMkxQQQ?oc=5) · starvedrock.media
- 2020-03-19 [Obituary for Louis J. Kirsteatter - hurstfuneralhomes.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE5ndjhvamVHeDB3eGpMdjFwcXpzYUgtekNNSm5DeEZRcktmSWZXT2Q2OFI1Ujc3d0w5U2Q3eWY4VFEzNzVmT3dwYjVoNHZPTTNkcGo2YTlZeVpSZ0RoVFNER0pkWWNpc0g5S0lpTQ?oc=5) · hurstfuneralhomes.com
- 2026-03-15 [Financial Plus gets naming rights for waterfront amphitheater in $750K deal - Shaw Local](https://news.google.com/rss/articles/CBMixwFBVV95cUxPT05iUExjdk5sWHlDamRySjdPNm5tNTlBSlJOQXRUNXRKSTFxNGcyQndad0djcXM5TjRVMEl2VmJ4cF9iVTR1MTROQmxqNFd6YVdBOEl2UGZETnpaOFp5SGNfcGJBOFE5OXIyaGNNX2d3VXF2cnNEX0lVaWNweU9sX1FXd3BLYy1yanhmeDV6ZW91dXRtT0pFS3gtZ2NJZWdRd3B2V251T25BVDNCbnRBQTFRaEhYVkZiLThlVWdseGRnWkNkOUJv?oc=5) · Shaw Local
- 2023-06-03 [Jacqueline Iwanicki Obituary (1938 - 2023) - La Salle, IL - News Tribune - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPMGtlQy02a1Z4MHlGQ0NHYUU1VWxCZkstOWptRHh1VFZ4WGNjUUhXRGZIZ19UWjdYdDFJY2tpYjdOZjk2LUhXbTM5OTZaOFl4ZS04RjdIbUtlb3NWMG9Rb09CRWpzZjZWOWpVTk11RzVSNFBGVTJBZnlkQ3B6NzVUSEVoWXFwZWNRNTFDT3JIR2c4ZjNmQnc?oc=5) · legacy.com
- 2022-06-01 [Daniel Iwanicki Obituary (1934 - 2022) - Oglesby, IL - News Tribune - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxON1RLSUF3a1pmeFdKeEVwUzdoNmlqZ3ExTU5ISFg3VXFIMFAwYWs1YzcyRUNvZk1EUkd6MWpZRXJ1YmRiNVk4SnpQNlUwRHQ1UFFjUmVEOURMX3ZMc2tTdWQ5akJKSmlJNUd1S2h0bXZyaFZMdWVSMm9jaDJVTzd4dmZkNlc2WlkwOWpsT1pHQno?oc=5) · legacy.com
- 2025-03-06 [IVAC names 40 Under Forty - starvedrock.media](https://news.google.com/rss/articles/CBMirwFBVV95cUxPODhsZ0gzMDBrYnV0YlVVNGNSY0RBM2VYN1h4eGp2MVV4MGMxVXg3a2x3dDdTRkVQZTltTDhLd2t2QXA2d0JWMkxYRGhkUU9qUm5md3RXUk1xSnJDRkQxc3NSdXVXMFBMbEpjNS1GNHBHZ3RRclF1cEJkWXAyZ3VieWR0STVTbXpjZGZEWjlBNi1PWVBXRzBPRmtid2Z5V2k2ZVZ0RnZFUWl1Mk1GYk1R?oc=5) · starvedrock.media
- 2021-10-03 [Gary Hoelle Obituary (1955 - 2020) - Princeton, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPa2lDdWlRSDk1bE04d1dseGZGbERrRm1lVDg4VGo2THd1ZnBJWWsyOTc3NENDS0FGcXBnVzhobC1ITVlNb3Mzb1lWdjBpTU10NXlpRHFhNTlyZkdCc0lsREhqdUI5bWExY1JtRWlXUXVzYmlsR1ByYTZwRElHdHVIYmllaTlqSnl3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62121 (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/41.json (key "62121", 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=62121
- 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