# PARTNERSHIP FINANCIAL
MORTON GROVE, IL · NCUA charter 62854 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/partnership-financial-62854

Who the members are: state charter, organized 1958. 14,364 members of 300,000 potential (4.8% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 568.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $397.7M |
| Members | 14,364 (-0.3% YoY) |
| Full-time staff | 39 |
| Net worth | $48.3M |
| Net worth ratio | 12.1% (p62 of band) |
| ROA (annualized) | 1.32% (p85 of band) |
| Total delinquency | 0.60% (p50 of band) |
| Net charge-offs (annualized) | 0.11% (p15 of band) |
| Loans / shares | 49% (p6 of band) |
| Cash / assets | 31.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.25% (p29 of band) |
| Operating expense / assets | 2.06% (p5 of band) |
| Vehicles % of loans | 27% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 10% |
| Third-party paper % of net worth | 25% (p32 of band) |
| Vehicle delinquency | 0.30% (p26 of band) |
| Vehicle NCO | 0.05% (p10 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 60% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 27% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 24% |
| Average share balance | $11,538 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $22.5M |
| Loans outstanding per 100 members | 568% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $2,083 |
| Loans granted, annualized | $60.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $22.5M outstanding purchased (46.7% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 2.3% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## 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 | 1 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 1 | members leaving | net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | margin squeeze | members leaving |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | delinquency rising | margin squeeze |
| 2022-06 | 3 | net worth falling, members leaving |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 1 |  | members leaving |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

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

- 2026-08-31 [Credit Unions Press Congressional Priorities During August Recess - cutoday.info](https://news.google.com/rss/articles/CBMipAFBVV95cUxOeXZEemZkSmxad0pRa2NmUm5lLTdkcHNzX2ttdmxuS0tSa0R6YU9VQXpJd29BU2EtRDNhVl9fNjZ2elRUMXlMMkJ3YUdqcjZtNVpHVG5qSUZPWU1LVEJxTzB3RXJGMVQ1Y2lzdTRzb0VQbjVxNXNEZWt1cXI5WS1iamVRcjBKQU9WRTV4N1BPV3FaUXdJcWZjbHVmSlFySkp0SzN2Zw?oc=5) · cutoday.info
- 2025-10-30 [Biss launches annual Mayor’s Holiday Food, Book and Toy Drive - Evanston RoundTable](https://news.google.com/rss/articles/CBMipAFBVV95cUxOMGdMUUpsX0NQWHpFMWZ3UzFTUlBick9QQkxzNFpOTFlNZTFCRXlST3NHeTZvdUcxaEI5RHFtOHBzSjFvd2RNRzBCb2drblRZSmc3WFZXM3A0R2dEVl8wWUxjMGNMLVpDaWExNjN5OEZ0Wi1OVk5yVEVTdGVLeXZGSzZKQV9XRlNMSm5OQlJ0QW95SkdCODZyak1KNlBIYjBmQjhHcw?oc=5) · Evanston RoundTable
- 2023-11-30 [Timothy J. Dunn Obituary Nov 30, 2023 - Davenport Family Funeral Homes And Crematory](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9RX1FRek1HeWhrNEtuQ3BFMmQySmR1UEVqS1N3bDVvMi13d25TTnZPT3BWWUk2QktJSkNQeUh4eHR3WHg1bmlXZDlCYWVmeHB0elpNTHAzLVhvQ3RDaHREeDItQ1ZBdw?oc=5) · Davenport Family Funeral Homes And Crematory
- 2021-10-08 [Christopher Schwarz Obituary - Arlington Heights, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMilwFBVV95cUxQUkNyd3RhdGw5WGxETGN4NVdoWEVYNEFfdzBHaUZuNXQ5Qkdva01WcE9jbWluNVg5bmdRUlNMdlhhakJIOXJweTctbDM5ZGZ4ZWR5ckNzRzl6VEd0MHRJd3czYmEtZG9jSlZhdF9rX2ZGcXUtOHJmY2s3UnZSQXZNdE9DSzdJY2o2eVZ3R1RTNmQtSWRoc0tB?oc=5) · Dignity Memorial
- 2022-11-08 [Support Evanston families by donating to the Mayor’s Holiday Food, Book and Toy Drive - Evanston RoundTable](https://news.google.com/rss/articles/CBMiXkFVX3lxTFB5bGJBU1pPSHVaa2VVVkxBc2NoOVBhS2xmOU5EQlJjM2M5NzhTeXUzNnIxUEliRjZQREtldXRSN2VUM0tSRVFqTC1fYWQtdURTY1FfZWdXdFV6Z2dxa0E?oc=5) · Evanston RoundTable
- 2023-06-23 [Man Kicks Cop Investigating Unwanted Kissing Of Child In Park: Blotter - Patch](https://news.google.com/rss/articles/CBMioAFBVV95cUxQeUo2REJzaVhGUWQyaXhTdjZUSE1CQm5QZzUxa2YtT3E3bXR0ZTB0XzNtT3RjOU84WVF3RWN1d1ZkclFHMTlXSV9aZ2U3X1lvdlBoZXpCNDJPOEhuQ1RGelNmSFF5aUo4a20ybEtZNjF6clNWOV81WHZXYmJ5TlVEZV85S0tGQkZxMmhDSFJCZWFTcGdQSUp4MzhyemZaNWtf?oc=5) · Patch
- 2023-12-02 [Timothy J. Dunn Obituary (2023) - Barrington, IL - Davenport Family Funeral Home and Crematory - Lake Zurich - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQdWpPOHdQTjhQSjJJYTE0UkVZblhjZjNuUmpHMVVfRnNZSGxKc0tyemxOMU1Lbzg4WUhnX0Y3d2ZFOV8tS2V6amRzVHBsSFk1VEJBb3U5UG5yRE1VRjRoR2RzVFVXTFk2MkZkbENWYnNFeVZvYU1JVmlKN3l5cXloZg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62854 (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/6.json (key "62854", 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=62854
- 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