# DIVERSIFIED MEMBERS
Detroit, MI · NCUA charter 62339 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/diversified-members-62339

Who the members are: state charter, organized 1929, low-income designated, minority depository institution. 31,290 members of 62,046 potential (50.4% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $595.5M |
| Members | 31,290 (2.0% YoY) |
| Full-time staff | 104 |
| Net worth | $86.3M |
| Net worth ratio | 14.5% (p90 of band) |
| ROA (annualized) | 0.00% (p6 of band) |
| Total delinquency | 1.53% (p95 of band) |
| Net charge-offs (annualized) | 0.55% (p63 of band) |
| Loans / shares | 58% (p10 of band) |
| Cash / assets | 6.8% |
| Borrowings / assets | 6.80% |
| Net interest margin | 3.49% (p51 of band) |
| Operating expense / assets | 4.09% (p74 of band) |
| Vehicles % of loans | 20% (p27 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 35% |
| Third-party paper % of net worth | 23% (p26 of band) |
| Vehicle delinquency | 2.17% (p96 of band) |
| Vehicle NCO | 1.92% (p82 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 91% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 35% |
| Average share balance | $7,359 |
| Participations bought / yr | $18.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $127.5M |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $19,361 |
| Loans granted, annualized | $52.7M |

## Participation posture (from the same filings)

Bought $18.9M and sold $0 in the latest annualized quarter; $127.5M outstanding purchased (147.7% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 13.9% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | members leaving |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | members leaving |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 2 | assets shrinking |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | assets shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, delinquency rising |  |
| 2020-06 | 1 |  | delinquency rising |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 | members leaving | net worth falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 | net worth falling | margin squeeze |
| 2021-09 | 0 |  | members leaving, net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency 2x band |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 4 | losing money |  |
| 2024-03 | 2 |  | delinquency rising, losing money |
| 2024-06 | 0 |  | delinquency 2x band, assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | net worth falling, leaning on borrowings |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2025-12 | 3 |  | delinquency rising |
| 2026-03 | 3 |  |  |

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

- 2023-11-14 [DMCU appoints 1st Black woman CEO: Sati Smith - FOX 2 Detroit](https://news.google.com/rss/articles/CBMimgFBVV95cUxNTlZrbV85NnZrWUprVHJXb25OTFg1aG9kVVFDX3R5WEl2RXlaSnBvbFBhQWt4bnlfSjBzRno3aTRiLWhiWVhWVGp5UFkyMHZiNUhITzY0MHc4S29xanZqWlVvejhpMWJkZU91MlNjcUxFVVlGUzg0ODY1SkhLWGI0b0JoeXhDa0hHUVltWmhvV0VOTG5YOXRyQVJR0gGfAUFVX3lxTE8xVGhOUDR3V19Fbzd4MjBaVnpUQnYwSkFfcU5NN0duNURTUlRMOFI3Vi1fWWRNeEVVa2k3WjN2SGpFQURqYWtJTlVKOGZvRmh6RXdWbFVMTy1oYnJ5WnYwZG12Q2tFNXlkZFp4dXRVaFVhdlhENXROV0tMeWhJR1g0VExsdk12c2owWnJLOE5kWnlnTE00STlMbDR0Tm83VQ?oc=5) · FOX 2 Detroit
- 2023-12-08 [Detroit credit union's first Black woman CEO aims to be a 'visionary' - The Detroit News](https://news.google.com/rss/articles/CBMizAFBVV95cUxPWEVUcFdKWTlJeDJvMEU4Rnl3bDBlLVIxQ0hIUDI1YXVfT0Fvd3I0UGJ5NVlMc1ZrQ04wRWtXUzkzYXVpTkdiQXA2R0JUckJ0b3FlZzFwQzVxUFFxVzhsY1A2U1ZOQ29kQW1KNGFKS2oySmJTeGMtRk12ZnY3amNjT2F6OW1DMTFNNUFEMDAwYk5qN2NaNzhadWxtbVV2LThwQlZFM0RBUlRHU1VRc0xNZDJLTUVRc2R1ZHRZZElzQTJVcUxMNnNHRndab3E?oc=5) · The Detroit News
- 2023-11-23 [From teller to 1st Black woman CEO of Diversified Members Credit Union, meet Sati Smith - Face2Face Africa](https://news.google.com/rss/articles/CBMivwFBVV95cUxOMVJiYUNSZVJJU085VlQxNnF6SlY1T1hvNHFwVWVmdC1KR0ZPZlFBXzlnSEFqd3IxbmxWUXQ3M0wwRTMxVWhsUXp2ZU94SzNGN1J2Q28yc1ZNVGhIVXMzaldkV3RuWFZPeDlwbTloNnBvcXhhRF9BUVBkcjg4QjhzVHpUUFRZdjBydFJGd1FSM2NveWc5dlBkbUdyazlraFZaUVJZVzRXdmo5UEtZQlY2cVNMVVJXZm1wdFpTQk5uRQ?oc=5) · Face2Face Africa
- 2023-11-22 [Sati Smith Appointed As The First Black Woman CEO In Diversified Members Credit Union's 94-Year History - afrotech.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPMHNScXBqME5lYzdLYzJVZjgwSDZyVUFDdTdibEt6cVlWTWozLTlvd3RnemF0b3NNYnRNNDdTY3hYblRMQllodUxuNFRjOWU5UHlKeHFrWThYTGZmTUxZRGZrYVdqVTRJbUkxX3ZmQzBjQ3ZpUXNnRVBudGs3NVdXeXFYSU5Ub1Mt?oc=5) · afrotech.com
- 2026-08-22 [Clawson Chamber Hosting Resource Fair Aug. 27 - Oakland County Times](https://news.google.com/rss/articles/CBMijgFBVV95cUxPZ2YtQU1hMGVuVEJQcXBoUmxUOWJNbXQwemJZdmJySGtSa1puTGd0b3piWDVZTVhrMEpNMXo2SG1rb2tNZGxtendRa2JTVGcwUGdMcGpMOFJMOFdfLWVWZHJ3QWxCUXZqQmVxaHNtMml3TTIyMVZ5aUg5eVhVOGQwY09CdXVHYzJ0RGo5ZTZ3?oc=5) · Oakland County Times
- 2026-02-04 [Corktown's CPA Building To Become Giant Art Installation - Daily Detroit](https://news.google.com/rss/articles/CBMidkFVX3lxTE5uNG4tV1R0X1BPSHgtY1oxbUU0STk4TXNPZEpUTzd0eVl1NkxLYjg2elBNTEI1dERoYkhYVUY4enFDNEVxeFoxLTF2a3JiZ05Nc21Md0ZzWm43V3djSzBySm1LNkZ0NVkyWjZOc0NHRHpJaHdKTEE?oc=5) · Daily Detroit
- 2019-01-10 [Bruce Daniel Kennedy - Grosse Pointe News](https://news.google.com/rss/articles/CBMicEFVX3lxTFB2WEhRWHgzbFhIZWMtOXRBSDVPQjM4dGUzUGwxVnF6djlJNE1LWklmOEE4MTYtM1BEaWNPejlxYy1iNkRmSzdRbGxPY2ZtTWNSSUVTUkZyaGxCN1E4NHk1YVJSakNVWW5XbnljcXFxT2Q?oc=5) · Grosse Pointe News
- 2023-02-06 [Toast of the Town Business Awards Gala 2023 - DBusiness Magazine](https://news.google.com/rss/articles/CBMilwFBVV95cUxPNjJtbWNrdWo0ZGh1U0tiYkZyeXhsVWoyYTNUdTZLdVJZSVFYSjRzTHN1V0J6V25xRG9XS0wyaFF4bnlLcFZReExuU1luZVlocmlTa2ZKVm5UWDBYMkx6NEZldGx0WWQxcU9FSTJDeWczT1h2dU55N3dfT1lnSHZQM1RHNUhsWGt6cWVWalhwNnd2eEQ5ejA4?oc=5) · DBusiness Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62339 (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/3.json (key "62339", 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=62339
- 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