# DETOUR DRUMMOND COMMUNITY
DRUMMOND ISLAND, MI · NCUA charter 62344 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/detour-drummond-community-62344

Who the members are: state charter, organized 1960. 2,007 members of 5,500 potential (36.5% of the field); checking penetration 77% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *quiet fade*. 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 | $39.0M |
| Members | 2,007 (-3.2% YoY) |
| Full-time staff | 11 |
| Net worth | $6.9M |
| Net worth ratio | 17.6% (p65 of band) |
| ROA (annualized) | 1.21% (p77 of band) |
| Total delinquency | 0.27% (p34 of band) |
| Net charge-offs (annualized) | 0.00% (p22 of band) |
| Loans / shares | 54% (p44 of band) |
| Cash / assets | 20.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.12% (p60 of band) |
| Operating expense / assets | 3.27% (p40 of band) |
| Vehicles % of loans | 16% (p10 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.65% (p75 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 73% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 87% |
| Certificates % of member funds | 6% |
| Average share balance | $6,886 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $23,139 |
| Loans granted, annualized | $4.1M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | members leaving | delinquency 2x band |
| 2017-06 | 0 |  | members leaving |
| 2017-09 | 1 | delinquency 2x band |  |
| 2017-12 | 4 | net worth falling, delinquency rising, members leaving |  |
| 2018-03 | 0 |  | delinquency 2x band, net worth falling, delinquency rising, members leaving |
| 2018-06 | 2 | delinquency 2x band, delinquency rising |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 0 |  | delinquency 2x band |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 3 | margin squeeze, loan book shrinking |  |
| 2021-03 | 2 |  | net worth falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 5 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2021-12 | 3 |  | loan book shrinking, delinquency 2x band |
| 2022-03 | 1 |  | margin squeeze, delinquency rising |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | net worth falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | delinquency rising, assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | assets shrinking |
| 2024-12 | 1 | assets shrinking |  |
| 2025-03 | 0 |  | assets shrinking |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 2 | net worth falling |  |
| 2025-12 | 2 | members leaving | net worth falling |
| 2026-03 | 1 |  | delinquency rising |

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

- 2023-06-07 [Red Hot Best 2023: The Best Above the Bridge - mynorth.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE8xVFZMLVBPdDdRUFhnc0tZZGRhQjMyY2tqa1ZuZThTSmNoNXpJUUxFN1lIVzE3ZWk5S3JEamR5YlBCQmVZMmllSk0wcTVjaWZIZXN3bzU1RXFDSTVINVQ1OThvMEhMRU54SlRKWTIteTEwNng5TTdia1B3?oc=5) · mynorth.com
- 2024-08-03 [Drake Joseph DePaul Obituary (2024) - Pickford, MI - Family Life Funeral Homes - Pickford (formerly Galer FH) - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxON1p1ZlZwUnJlQlByTWVhc3VqTkR2aThtU3hEQTEzbTNTVUZicXBGSUV1eFpTU0ZxSzlfRmFidlBHOW5YZVoxU0RYMVpnZFJoNUJQZzAxRmFlMXZoakpyeW9aUEg3azZwd0JjRlRZSWxtS2owSzBLX2xBV0hNY0tYWA?oc=5) · legacy.com
- 2025-06-02 [Red Hot Best Winners 2025: The Best of Northern Michigan - mynorth.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNVU9CVmxEV2R3T2dkUEQ3NXFUZmV6d09Ob29SR3VVSlk2QWdRT1UwamdOOVMtbVhsSW9hazNESWUtdlM5aHBMbnlZNWpDbVV2Zk4zOFRzMVprRmp4QllzYjVoUk9sX29pNG9fM01maHl3aGZqVjF1dEFCZDNONnpVMTBMY1BJcDdiN3c?oc=5) · mynorth.com
- 2022-06-03 [Red Hot Best Winners 2022: The Best of Northern Michigan - mynorth.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOZHBGdnJMLXFSQVdaZzFIakUtVW9Qc013aE9mWTBqbU5vdDhhZl9WOE5ESTNLVjA3bnBBZ1Jac3kzMXVObDN6dU9pYXd2Y3E1dmtweHB1ZGNFNlV2Vk5ZX1RjWWxaRkR2M09Yc05PVTdVYmpZZWdrY01BQkJva1dPRWM4UDF2MV9EZ04tUA?oc=5) · mynorth.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62344 (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/8.json (key "62344", 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=62344
- 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