# MEMBERS COMMUNITY
Muscatine, IA · NCUA charter 62683 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/members-community-62683

Who the members are: state charter, organized 1957. 8,059 members of 547,800 potential (1.5% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 992.

**Verdict on the desk:** this could be *participation buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $98.5M |
| Members | 8,059 (-0.0% YoY) |
| Full-time staff | 22 |
| Net worth | $12.1M |
| Net worth ratio | 12.2% (p43 of band) |
| ROA (annualized) | 1.15% (p73 of band) |
| Total delinquency | 0.29% (p28 of band) |
| Net charge-offs (annualized) | 0.11% (p34 of band) |
| Loans / shares | 75% (p77 of band) |
| Cash / assets | 13.3% |
| Borrowings / assets | 2.54% |
| Net interest margin | 3.52% (p42 of band) |
| Operating expense / assets | 4.15% (p70 of band) |
| Vehicles % of loans | 35% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 24% |
| Third-party paper % of net worth | 88% (p83 of band) |
| Vehicle delinquency | 0.23% (p27 of band) |
| Vehicle NCO | 0.32% (p56 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 52% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 28% |
| Average share balance | $4,739 |
| Participations bought / yr | $2.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $11.7M |
| Loans outstanding per 100 members | 992% |
| Loans granted per 100 members, annualized | 563% |
| Average loan balance | $777 |
| Loans granted, annualized | $26.6M |

## Participation posture (from the same filings)

Bought $2.9M and sold $0 in the latest annualized quarter; $11.7M outstanding purchased (96.9% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 2.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

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

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

- 2025-09-05 [Chartway Credit Union welcomes Todd Fanning as Chief Financial Officer - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxQXzZ4bWxkXzg2YlZ1TGpmQ0RWUU8wZTRSZGhJWUUzVEVFUUpqRzhOT3E5bEZLREdZaGRWazB5VzI4RjFGdHJmNGY1VGpSMm82ZHdTR0h4QmhqYkdjZGdyOHphZXlqN2w4UXNETy14bUdCUlA0SmRqWHdfSVVPcmVxTXl4M25FLTFweEZjbzJaa05iUWNZcnY4T3hNaUp6TEtiWTRxVVQwWkNjMkNwWHNpWA?oc=5) · CUInsight
- 2025-11-03 [Muscatine woman raises $4K with community food drive amid SNAP benefit uncertainty - KWQC](https://news.google.com/rss/articles/CBMitAFBVV95cUxNejQ2eDdvXzZZenpmeFBrYWh3c1pHU01TeXd2SnlmaFJsZ0RrVXJBMVVRN2xjMmVRUWItMENrRFVBLWpvVVdfNmVmRnl4bkd2NS1lSzA2ODk0cnF3MmJyVE9OLWFaUkh1bFhNQkdCLWlDNUc0WHBTSUZ6ejE0dWJnVUdySkdaYzhoTklZWlpvdVVzZkpzN1I5ZUV3Z1ZRS25nanktWm13QWJFVElTamM1T3FWa0_SAcgBQVVfeXFMTWEtd3JsbU1mUElReDlkNm4tQ19CalVfeWE2QnBUZWtzaXM4RFk4RE9HVzEteUFjaEJjMFQwMGpuTHhZVTlVU2Z6UTU2Z1NZZGltQUxwVVBoZjR0VVlydmNQY0J6OG1oY2tpUnVNblljYXBDNDYxM1pZSUdZTnV6dlBaclRyS1RmM2dMZHF6bzlhNFhGaU9YVHNVUW4tRG5KOU1tRFBhYTJXRm53bk9tMTJveF9fR3lPUDdSQTRCTjN6TGkzRnpvZGQ?oc=5) · KWQC
- 2025-09-18 [Francis to lead Trinity Muscatine Foundation’s development efforts - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMingFBVV95cUxNVVYtdUw2VXZtUVYzUkJNYUNhUkZlb0w4THVWWlBaRE82Z0U0d1JVbnFPSS0zYzEtTl9vd2EyRUdBNG8wRHBHTVBuSXlLQk5uandvWEpVNWZIMXpGTW53UncydnB2dDlmX2hJT24zUVM0U085OWd4Q2dPN0dNUmZza21GQWZZVUtMN0tmRFZCdUZOU3AxUTFrMjg0ckhaZw?oc=5) · Quad Cities Business Journal
- 2020-08-26 [Why ‘brand ambassadors’ matter for CU SoCal - American Banker](https://news.google.com/rss/articles/CBMilAFBVV95cUxOV3FEQzJFdllwNTZXYXZja0FDTVlkb21QZl8teWkwRFhfMXo5TVd5NDdoVUMxMjJ0SkZINWR5NkNqTUxEeXkwV3hfWVZsQWZyX1hLdTRnUmR6djlQdGMyQkNCYXA5MFozVnoyLXd6TVpMOC15VUlsTHBRelFCLW9RVFc5dlZCckJJQmhwYThqbldQd2hI?oc=5) · American Banker
- 2025-09-18 [Trinity Muscatine Foundation Welcomes New Director Of Development - Voice of Muscatine](https://news.google.com/rss/articles/CBMiswFBVV95cUxQLXZwWm9ka2tPUWtOMlFzeVl1VGF4QmFKWGktdDhPcHhrdmpsNEdYc29sb19rc09ObmZfVFcwcGtnZGJkMVo0VXRJVWtIMF9IUUQtOXJSdGZnOTJhTDUwOWg0R1cweF9KV2dWcHBjbXZlZ3RhZGlXM05DaWc2U2hlRmVCMHp2d2VTYjdGUXB4UnE4aDlJaEtwOFFjcGJHeWRFcnFxa3RLWHpFY1hkMUVQc203NA?oc=5) · Voice of Muscatine
- 2021-04-26 [Deborah Burke Obituary (1957 - 2021) - Muscatine, IA - The Muscatine Journal - Legacy obituary](https://news.google.com/rss/articles/CBMimAFBVV95cUxPSVZocFF4QnlVNmdVeVA1TlFoeW1BX2NoV3R1N0g5cHN1dDlqWFVvV0VzTlJyTFZHSTB1MVdpQWlfUk9mNHFRODFmV1VWa2lhMjk5Ny0xWmVndHI0dzVOS040TndsbGZGWmVFcDNURWRYb0FiSkNtNWRoUWFLUFN1TnlGZVFSd25na21sa0piSDhDZ01xenVhbw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62683 (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/27.json (key "62683", 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=62683
- 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