# MARSHALL COMMUNITY
Marshall, MI · NCUA charter 62160 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/marshall-community-62160

Who the members are: state charter, organized 1951, low-income designated. 16,373 members of 866,000 potential (1.9% of the field); checking penetration 88% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *fortress*. 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 | $369.6M |
| Members | 16,373 (2.9% YoY) |
| Full-time staff | 69 |
| Net worth | $61.6M |
| Net worth ratio | 16.7% (p94 of band) |
| ROA (annualized) | 1.79% (p95 of band) |
| Total delinquency | 1.23% (p87 of band) |
| Net charge-offs (annualized) | 0.43% (p53 of band) |
| Loans / shares | 78% (p60 of band) |
| Cash / assets | 9.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.09% (p81 of band) |
| Operating expense / assets | 3.80% (p54 of band) |
| Vehicles % of loans | 13% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 30% |
| Third-party paper % of net worth | 15% (p30 of band) |
| Vehicle delinquency | 1.31% (p85 of band) |
| Vehicle NCO | 1.94% (p89 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 68% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 35% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 25% |
| Average share balance | $7,188 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $266,172 |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $29,068 |
| Loans granted, annualized | $111.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $266,172 outstanding purchased (0.4% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 6.0% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | delinquency 2x band, loans>95% of shares |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 | delinquency rising | loans>95% of shares |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 2 | loans>95% of shares |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 | net worth falling | delinquency 2x band, loans>95% of shares |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 1 | delinquency 2x band |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 2 | net worth falling | delinquency rising |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | delinquency 2x band |
| 2024-06 | 1 | delinquency 2x band |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-09-04 [Business Beat : Amber Scales joins MCCU team as Card Service Manager - WTVB](https://news.google.com/rss/articles/CBMiTkFVX3lxTFB6WjFydUIwNHJKSUNVOW9zUUFtYjBveEVXWi13WWl1b2o5SV9Hd2pqaDN0VXpwTEo0MmgzcUFGc2FHV2tHbndfTVd5MjZCQQ?oc=5) · WTVB
- 2026-08-28 [Business Beat : MCCU to celebrate Member Appreciation Month with weekly cash giveaways - WTVB](https://news.google.com/rss/articles/CBMiTkFVX3lxTFBvbGt2SXgwMkh5cmtzc1JUT2ZsYmNFTFhleE5ZM3d6V1hKQndPNno2YjNDd0tia29DOGsyNmMzMjNNU3hERGREbzlPQWxPUQ?oc=5) · WTVB
- 2022-04-29 [Marshall Community Credit Union Announced as Field Naming Rights Partner - Northwoods League](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQVkdEOU0zTEdBeVkycUpZWkd1a3ZnWXgySWhQWkloemN4NkFKRTBtaFN3VUNnc0dOT1lDaHlETDB4Qi1WX2RPZlNUVkVNZ2FCaUFCTXBUbHlITzV4VExrdGQtQkU1T2NhNVpHSlNRU09lc3RRbHpDel9BTmowa3ZfZVZtN295SDVDLVVwdmotNG9xNWNadFN5VjRqS0RwZWhhdjBwdElVNXEtNGY3UWUtUW8wNWVmRTRyRGlzUFlSN2NFRS13QkJ6UGEwZjNjSkc1YzIwcDNB?oc=5) · Northwoods League
- 2025-08-18 [MCCU & Battle Creek Central High School partner for financial education - CUInsight](https://news.google.com/rss/articles/CBMirwFBVV95cUxNM0ZzQ1RLbE41Rzd4VkVOaXVENE9URklmRUY4dzNCUUI5RmlKSFI5cWNPMGR5cmNSb2VtN0NKMjNCN3Z5QnhFcUxVN0w2SVcwblNEenBYcDd2YU1mb2d5NFF4QUpnWHZCV296dXE4Q1NRSTM4VGh3T1pLMUg5RlVzUFdWNXI0RUJ4MXBKRXdCM1AyOFhaemlnUXJ6NmFwRzNiMUVWV0tjLWE0VzBaSkhv?oc=5) · CUInsight
- 2025-01-30 [Choose Marshall Chamber Members and Community Members Celebrate at the 2024 Annual Chamber Dinner & Awards - Choose Marshall](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNY0lEMkRIeU5XV09Ock5XQlNWd1hPMjEwbEpEQlRXUDB0RVl5MGtzSXhMTy1sV1hBc2VEZWplZnBEc0MzSWRzek1OMjVPWllaOVdaWWFXRVY3ZHZzV21JTDQyYzFFNG94WHRvOTJKcmNRd0ZUcEJXZVRqTWR2VjNCUnpYaUc3ZWxQbkhXUnVIVjJLMEhtQ2J5MFpNU25MSlVYN1ZpNG5uSEVRZHlWX2VXdFppUVNZYWhrNmphdnFlWEg5R2I4WE0tUVl3VV9ITS1LcHBn?oc=5) · Choose Marshall
- 2025-10-31 [MCCU welcomes Shamar Flowers as Branch Manager - CUInsight](https://news.google.com/rss/articles/CBMikAFBVV95cUxObjFNMWtnUmtIX0hBV1BSenZHTE1mMkxIZTQ5Sm42ZWVPOTZXNENoZmgzb0wyd2djN3QyS1llVU1yQ0QzVmR1TWdZZmRhU2hYN2JXMGFMR1hObHdxNXFhcklHTTR1TkNjYkZOQWJ4VG1SUFBsa2taWERvV1puRkdsQWQxLV9pVU1jNC1zclNGRXk?oc=5) · CUInsight
- 2023-07-31 [Battle Jacks and Marshall Community Credit Union Unveil New “Cereal City Baseball” Throwback Jerseys; Proceeds to S.A.F.E. Place - Northwoods League](https://news.google.com/rss/articles/CBMimwJBVV95cUxPa3NqLTZTc0hoblhSckgwSnN1UzZpUUE1cnBpdUo2bEcyeGIteDJ2ekh1SWZRbmc4Vm5iSWJZUFpVVUJuLWhnVzBTQ3VIMFAxdUFTYzBSUjhTZkVQS1dMZW9iUWhfMThRWWktUG0yUkp2bDluRE43YjYzYTJFc1ZwdnlqMG1aR3J1YUhBSFRKX0pFb3Q5ajktbVhKU2dtNFFlN0ZtWDR0S3F1b3dTejI3QkN2Z2JVSVkzSzc1MndmcXFJdlg5LWk1ZE1leGVvZDB5NXhnRzk3RVg4ZjFvU3prbXYtLVRsM0xuS2RKcm5mZGVUX1VrZzRLdW1zYTBPSkJqck91S1NkRWJCbjQ1b21pSkF4U2hCQjBad2Nn?oc=5) · Northwoods League
- 2022-01-13 [Honor CU Hires Heather Luciani as Chief Strategy Officer - moodyonthemarket.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNcWlfR0Y1aXJWdmVrYW1CVWxhOW14N3A3RW4tTEZVZVYxd2VzU3phMG9wOWRDZXkxR3Nkcnh1RFd1YlBmVTY1UnBac080OFFHd19LTDlHYklrN3E5eExtV0RCX1JKc1dfRDJYZnBOOXp2ZldXc25WMjdPLXB0N3hXMnhHaG51b1YyUWtLSnZudHdkLW1D?oc=5) · moodyonthemarket.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62160 (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/16.json (key "62160", 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=62160
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide