# OAK TRUST
Plainfield, IL · NCUA charter 62513 · asset band <$50M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/oak-trust-62513

Who the members are: state charter, organized 1964. 4,884 members of 375,000 potential (1.3% of the field); checking penetration 27% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $46.5M |
| Members | 4,884 (– YoY) |
| Full-time staff | 10 |
| Net worth | $9.1M |
| Net worth ratio | 19.5% (p84 of band) |
| ROA (annualized) | 0.86% (p84 of band) |
| Total delinquency | 0.97% (p55 of band) |
| Net charge-offs (annualized) | 0.11% (p55 of band) |
| Loans / shares | 96% (p96 of band) |
| Cash / assets | 8.3% |
| Borrowings / assets | 4.30% |
| Net interest margin | 3.29% (p63 of band) |
| Operating expense / assets | 3.93% (p66 of band) |
| Vehicles % of loans | 33% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 74% |
| Third-party paper % of net worth | 90% (p97 of band) |
| Vehicle delinquency | 0.41% (p47 of band) |
| Vehicle NCO | 0.15% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 20% |
| Average share balance | $4,590 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $13,229 |
| Loans granted, annualized | $10.6M |

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | loans>95% of shares |  |

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

- 2014-05-23 [Oak Trust Credit Union Athlete of the Week: Grace Vitek - Shaw Local](https://news.google.com/rss/articles/CBMiogFBVV95cUxNSF9YRTg3amtIV0NvejhOemlfNE5sWURhOHlsd0F5TTlCOUFBQ1NremhNMnNaMG1PRDliVTI1U3prMHNocThPMTJfeEYyZmU3cGhVdnMtUnlvWXVwbG40SkxGbkMwR2ZWRUprT3FCUkFJYWZiY2JCNndCYkl5S2lIMjNLczhNekFHUFhQYUxHeGxDcXAxcEkxMkN5NWZDbFoyS2c?oc=5) · Shaw Local
- 2013-07-01 [Plainfield Business Briefs: Which Wich Opens; Vito & Nick's Closes - Patch](https://news.google.com/rss/articles/CBMiogFBVV95cUxNMHJzWFdIbG5DLVZyVWltREVNNFN5bThLaWF4V0xTZmFKM1JJM09ZbU5QNExzUTVibDd2ejdYc0poRlhwZldzVU9KT19hWkdrcXNacjVWRWxTdEdzQlpzOGJLWm5fZDUwZnRYNjBhZVQxUHcxMnZIRkdIZXZGVGVJd3BfWGpiYlVSNU1xMUp0X0ZiSzZvY1ZWOFFhUDdrS1JoZWc?oc=5) · Patch
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62513 (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/49.json (key "62513", 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=62513
- 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