# STREATOR COMMUNITY
Streator, IL · NCUA charter 62939 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/streator-community-62939

Who the members are: state charter, organized 1950. 2,391 members of 5,000 potential (47.8% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 62.

**Verdict on the desk:** this could be *auto monoline*. 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 | $40.3M |
| Members | 2,391 (-3.2% YoY) |
| Full-time staff | 10 |
| Net worth | $4.5M |
| Net worth ratio | 11.1% (p23 of band) |
| ROA (annualized) | 1.21% (p77 of band) |
| Total delinquency | 0.56% (p46 of band) |
| Net charge-offs (annualized) | 0.09% (p57 of band) |
| Loans / shares | 25% (p9 of band) |
| Cash / assets | 70.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.50% (p35 of band) |
| Operating expense / assets | 3.23% (p38 of band) |
| Vehicles % of loans | 62% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 23% |
| Third-party paper % of net worth | 28% (p92 of band) |
| Vehicle delinquency | 0.69% (p57 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 93% |
| Certificates % of member funds | 5% |
| Average share balance | $7,100 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 62% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $6,023 |
| Loans granted, annualized | $4.2M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2025-10-27 [Credit Union Robber From Streator Gets Prison Time - starvedrock.media](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOdkxOdTRJZTl2dDFBNTlFbnJZa0VLcGVsMFc2TVd2QUN0OUlUM25Lc3lISERmM3k2NlN2Z3BoNDRTQUxUTVoxMVI0Ym56UFVjVmdlZmdkOHNDLUdVTkZvVXQ3UTFFMEZ4VDVHOUp4T0M3c2JtQnNycUhtRGgyS2VIS1c2c1JvQ3M5N3c5R3pRZjZScHZaY1lZLXFvVFVCYzEyMzBzUmxra1pHbVV4U2s0TmR3Yzk4RGdhdGw2RWJQenVvazJRUVM4WTFuTVRCWmhO?oc=5) · starvedrock.media
- 2025-10-23 [Streator man pleads to robbery, aiding fugitive - Shaw Local](https://news.google.com/rss/articles/CBMiogFBVV95cUxPUzRYQXFIZ2plQWFyUkpMVlpLeVdFZ1poSUYyWTI4QklSQ1UwNFExa1d3c2hZbW90ZmpaWTdGZXh0ZjZCdUotbWdVcHIyaDRaMFR3cWVzTmhvSnYtcnhRVEdiVUp4NVhmLUZ0OUdGREdmMWU3aVNMSjNzWDlaQUZxeEdYSzVfM0Vta2l1MXlaWkdEa21hdHJOckpzejNqMjdhbkE?oc=5) · Shaw Local
- 2024-10-27 [Streator community offers support after Owens-Brockway factory closure - Shaw Local](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOSndrNXlxY3ZPQWVqeW1BeWtDb3ljcGpZZk5VR3VLelJScE5JMk9ITmdMVnNWSGllWlZtaWY4b3FMWXhwRXFrN0lZSEFHd2oxVnpMU2ktcXh4U3dISXU0SUJqeXd1VWI4cHJxd0J6Q1hKWk1RbFc0VHkwZHQyZ0VNRXMybE92bkdvbXVxUDQ1Q2JPUllTT05scnBpM094N2R3SUZZSm54cWxvbm90SVFTTDNtS2c0U2oyX0hSUXhkblJvQQ?oc=5) · Shaw Local
- 2024-12-18 [Hefty Prison Sentence For Credit Union Robber In Streator - starvedrock.media](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQM2dTQWRpa3Bfc3NVMWlmd251VnFlZXNSLVY2LUMzLUY5UVN6cmhmWkpxbGJaX3hkdXAwdHRSVWFvcXJlUUhhQnVTRWFwX0VxSVlHdXVaTlozSEx5WHZZbmY2MWxsY0FvS2s5dW5lY09RTndscEw1SVhaQko3YktIRnV5ZFdUdzRBaHVxNFZHdjlkeFRDc3dZVGUyN2tYalQ5cnY5ZVBSd3pqZFRCX2tVQnhQZk92bFljbmpYSVdPRm9GeWlrT0xBc2hHWThIRGYzb0lEYTRFOWhLdw?oc=5) · starvedrock.media
- 2025-05-21 [Streator High School seniors awarded over $340,000 in scholarships - Shaw Local](https://news.google.com/rss/articles/CBMiugFBVV95cUxNS002ajd0R052U2dBSFFLckpZSk1CRGR2SFpoUTI0S0hZenF3aUg2YVZKUkRqU09LM2hvc1JkTnh5c0ZmQUY5eDhyRVZlWU1Kb0VPZzVrVGl1dDZhZkt2cmpEa3VuSHVxYTh3X1c3Mm9lMURJRklPMGRxT0UwUUwxOTR0T3licG93WDhZX0FqODNMeDZaYmZid2JlZGVhVWE4ZFYzNjU3LUtVSFZRQVVLemxzcXE0S1dPdlE?oc=5) · Shaw Local
- 2023-01-09 [Streator bank robbery suspect caught - Shaw Local](https://news.google.com/rss/articles/CBMijgFBVV95cUxOQ0F6UU50UzlSdFdlYVR5c2hHN3JYSW5XWDJfbXFWdktGV2FiZmp0SXpBT2pXQTlvZGVwVDNxS252Qi1UX3ZKMU9Va1ByN1VXOEVNeG5JR2FrSS1zV3kyNm8yVkpwbWY4WC0yeDU1c0JHdnRnb1pzaGtxWTNvaERnSXJCTjB2cWVzRGxaMzl3?oc=5) · Shaw Local
- 2024-05-10 [Streator High School awards more than $308,000 in scholarships at honors night - Shaw Local](https://news.google.com/rss/articles/CBMiygFBVV95cUxNSWhwTnpLcEUzT0MtNEVxUERXX3Y4U3Q4OEFhMGxDN1V1MkNlWjl4cE1xNFZJMDQxVlJNQ1NiUWpuNEFVV1RQU1VjNjRGcm9CWFFZLUhoNjUzSzZiUTh3NmxGbmtOaExZeHBGQ21OaXNiTFhodHFkR3JTODBuc3l5VTAxOVo4ZkthZkd2VGtNRFR5M0d1NGZFb29QMUlLeUZPRUMzQTUzblFjMkpZRWJnZF9COGNVYS1oWnI0LVRMalN2bkhSNDJVSEln?oc=5) · Shaw Local
- 2024-07-08 [Streator Fest carnival mega passes now on sale - Shaw Local](https://news.google.com/rss/articles/CBMiogFBVV95cUxNM1ZWNndGT3dXZV93aS1XNWZrbmdhbzJncThpZDN5X3lfaEoxeDA2OUpoVmJQdkszZHFyMllDV3FmdnlXWkdzNWM1SVh0SzZWNlp0RFRsLWZLQ0l3aWZ3Y0V6cU5Tbk5PbVhQSUVaNE1RNURCZnFQQndrRjdKRTNlTXhhbFJxM0dZbVB4ZjQ2dF9BWFFSYXFqdEhlUlgtamZCcGc?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62939 (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 "62939", 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=62939
- 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