# CONSUMERS
Oshtemo, MI · NCUA charter 62172 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/consumers-62172

Who the members are: state charter, organized 1964, low-income designated. 153,309 members of 11,306,032 potential (1.4% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.86B |
| Members | 153,309 (4.8% YoY) |
| Full-time staff | 467 |
| Net worth | $260.0M |
| Net worth ratio | 9.1% (p16 of band) |
| ROA (annualized) | 0.94% (p70 of band) |
| Total delinquency | 0.21% (p9 of band) |
| Net charge-offs (annualized) | 0.24% (p18 of band) |
| Loans / shares | 101% (p92 of band) |
| Cash / assets | 9.3% |
| Borrowings / assets | 7.86% |
| Net interest margin | 2.94% (p25 of band) |
| Operating expense / assets | 3.43% (p63 of band) |
| Vehicles % of loans | 37% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 96% |
| Third-party paper % of net worth | 327% (p88 of band) |
| Vehicle delinquency | 0.27% (p16 of band) |
| Vehicle NCO | 0.67% (p29 of band) |
| Repossessed % of vehicle book | 0.16% (p75 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 120% |
| Core shares % of member funds | 33% |
| Certificates % of member funds | 38% |
| Average share balance | $7,102 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $7.9M |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $24,406 |
| Loans granted, annualized | $1.06B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $7.9M outstanding purchased (3.0% of net worth), $3.9M sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 17.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | expense trap, loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  | expense trap |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 3 |  | net worth falling |
| 2017-03 | 3 |  |  |
| 2017-06 | 5 | thin capital, net worth falling |  |
| 2017-09 | 3 |  | thin capital, net worth falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 5 | net worth falling, expense trap |  |
| 2018-09 | 4 |  | expense trap |
| 2018-12 | 3 |  | net worth falling |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | delinquency rising |  |
| 2020-03 | 3 |  | delinquency rising |
| 2020-06 | 5 | thin capital, net worth falling |  |
| 2020-09 | 4 | expense trap | thin capital, net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 | net worth falling | expense trap |
| 2022-06 | 3 |  | net worth falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | delinquency rising |  |
| 2023-03 | 3 |  | delinquency rising |
| 2023-06 | 4 | delinquency rising |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | delinquency rising |
| 2024-03 | 4 | net worth falling |  |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 4 | delinquency rising |  |
| 2024-12 | 3 |  | delinquency rising |
| 2025-03 | 4 | net worth falling |  |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 5 | net worth falling, delinquency rising |  |

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

- 2026-09-03 [Consumers Credit Union breaks ground on office location in Big Rapids - CUInsight](https://news.google.com/rss/articles/CBMirwFBVV95cUxOVzlZN2JRQml4cDBqUXNwcjl6MzdkUUpMemZ6dXFUVWdBM1BSdzVZX2NOMUgwMEU3N3gxdkEtMkVUUEpJUU9oV0Jqd2RLZUs5aEMyR1VKSldDV25YQURZc2V1N2NLVnUwRkVSSTgzM3VCTENXMWNtMklwLXF1cG9PNFUyLVhLbjg0ZG1LcGpBVnlOczJ3aDUzY2dhUGI3Tm5hd2sxWVRPZk9Ra2sxVFpB?oc=5) · CUInsight
- 2026-09-01 [Consumers Credit Union named Chad Farrer as senior real estate and construction manager - CUInsight](https://news.google.com/rss/articles/CBMixwFBVV95cUxNTm5sSm9BZ3VUbWszY3VqUUJCQl80bFdYajRlZC01V1d6U0hEQVRVTUZhWmdKUzE3MDYxLTlyVHVCWWhiOXlKLU92S1NJQnN1RE5sMlpkVnNOVDNkVlZmLU8wdmYyNmUzUy03Y0EtSnJibzdaZWd5R044ZHpBbFloS3d0OERCMmxtbVZTU2xuT0F6bE1KbkdvWjRzbGtwdVEwamhneWRDMVI1M3FKT1Z2bkItQVRqWXUwS0hibmpkVGtaZ01TTWRr?oc=5) · CUInsight
- 2026-01-15 [Business Beat : Consumers Credit Union issues phone scam warning - WTVB](https://news.google.com/rss/articles/CBMiTkFVX3lxTE5ORU5HMWpMVjJSNmY0LVlSUE5jNGJqbkZYU2VfdkJhR3JnNnpDNXFQdXZVYTFOMUJ4SlJ3WURjOUhLbmFFWjM4alJsWG1FZw?oc=5) · WTVB
- 2019-06-28 [Consumers Credit Union Headquarters - hok.com](https://news.google.com/rss/articles/CBMiekFVX3lxTFBzSzY3YXl5d1ZSM0pRaFNoc2MxZ1JlMHlxYkhYdldiazNZVE9BbENZRWJQNlNnSGthdUdfZ1NWaHFKeGhWVkRIMkkxWURpRlZlOWJXLTQtUGs0NzNWRnZ1eDNCa0ZpbWtMRmRxUWp5TDdVcmN3ZkU4cDBn?oc=5) · hok.com
- 2025-12-04 [Consumers Credit Union breaks ground on office location in Douglas/Saugatuck - CUInsight](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQZ0NiZGdHdUFuNGc0cEs0ZDF5bm45WU5qbmpUdlZsdjFsNDdyUnQ0VTIzQ3BRQkd2WjFTb2tEQnNzOGtaeHRDcDh4eElpNzdnWnM0aEQxM0l6OEdHVFJnWkJreGQydmFrSjdFYTFoVG5HcHlBaWx0ZzFNY2dIamwzQkRBMGVwN05QdDNtcDRidk1MaTR0ZC1ETDBSUG1HeUNQN1Y5ZkZKS3FOdXVnM0xCT29WTHVGcW5Z?oc=5) · CUInsight
- 2025-08-26 [Consumers Credit Union building ninth Grand Rapids-area office in Rockford - Crain's Grand Rapids](https://news.google.com/rss/articles/CBMiygFBVV95cUxPbzBmRXZrUFRXQk5wNGh3UmlsQXIzVHdTNkd5RFMzeWdLNlBTSlk1TjE1YUtrSnNXWG15SWdYOXJ3STBnbzI3dFFBXzZETEx5UGt5b1JvVFREUGV5TmZqcVI0WHpiRU5rWWUtdzV2RlkycVVOWDlzZTd1dGZlMlkyeEpxcWNDX25BNjdQSkdyZTlvc21wOThmMUE0dEVLLVZlTzdKY1BSOUJ1dGwzZjNPcDhlYUwwNEJmQ3JMTW1qVElyMnphckZhNDJR?oc=5) · Crain's Grand Rapids
- 2018-01-04 [Design of Consumers Credit Union’s New Headquarters Emanates from Nature - hok.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPUk51MlotRDVyOG9fd1EybTVrR2gtMDhjMFJzdU5tZ3JpR2NVQk82TzBYVUh4LWFpV0JPM29xdzNMYTI5cWdoakRhRGJhS3AtdmV6STZDZDVLOGZOallQeVZrRHRWVlhoQXFVUEM2RW9HWVFsaDYzR2ZpaVpUT0Z1OUh5Y05CeFM0bWFoMEN5Q240cnhFSl9UUnNTTmlOQndXRW9fRjJraXc?oc=5) · hok.com
- 2026-01-28 [Consumers Credit Union announces leadership promotions and new strategic business hire for 2026 - CUInsight](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQNzdVQ3dFRTM0TW9uanY1Tjd2NnoxcUdUaE1fT3czUjdDNUtFX29oZWhKVHloYkdIeDdZX2piZ0tpM0JwaG8xbTBwRUhkd2lpNlZIdGdyVE9OMDV4OG9vQXNEejNZUkRrOFdLV3VYX0dzSzRpLVZWQWk0ZmZrRThzSnBKdXVZc1JBZVJzVGJraWhtb0ZsRVE5VnktSVJpUTNYS01vbVJJLUNhLXBoYlNzbVlpeGlwYTZJd290SkdKeFZxOUljdy1BMHEzOHFOaXAtakE?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62172 (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/28.json (key "62172", 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=62172
- 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