# ARCHER HEIGHTS
CHICAGO, IL · NCUA charter 63125 · asset band <$50M · latest filing 2025-06 · stopped filing after 2025-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/archer-heights-63125

Who the members are: state charter, organized 1965, low-income designated. 1,992 members of 15,000 potential (13.3% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 2920.

**Verdict on the desk:** this could be *too clean*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $20.0M |
| Members | 1,992 (-12.3% YoY) |
| Full-time staff | 6 |
| Net worth | $1.6M |
| Net worth ratio | 8.1% (p6 of band) |
| ROA (annualized) | -4.47% (p2 of band) |
| Total delinquency | 0.02% (p18 of band) |
| Net charge-offs (annualized) | 0.39% (p67 of band) |
| Loans / shares | 45% (p29 of band) |
| Cash / assets | 55.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.24% (p26 of band) |
| Operating expense / assets | 8.16% (p96 of band) |
| Vehicles % of loans | 32% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 53% (p94 of band) |
| Vehicle delinquency | 0.07% (p34 of band) |
| Vehicle NCO | 0.82% (p82 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 9% |
| Average share balance | $5,100 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 2920% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $141 |
| Loans granted, annualized | $909,890 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2021-01-21 [‘Chicago Tonight’ in Your Neighborhood: Archer Heights - WTTW News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPWG1HNXh5Uno5LTlRY1lWa2dpSl9ZMEVNeDhkZWJVcmwyTFBLZ2VxVG1xbjB6WHhHTV9keDBSUF8waFlTRXNfY2k1MzlqNC1OVjlyU09PaTQzY3B4eGJDM0tKUm5pLXV3cFZPdTZZVlJhYWYxMThLbzNPQW1qMkp3bTJoUkxHcVV5?oc=5) · WTTW News
- 2020-11-27 [Best of Archer Heights & West Elsdon 2020 - South Side Weekly](https://news.google.com/rss/articles/CBMid0FVX3lxTE9CdXdpcktBLTVEbVNWNXd6REZISzM5MVg1VEpvT2lkbWliV21ReEczYWl1Y01iR0stNjdVQXhoNHUtNFNYRjVBUFU4WmFYNEZHSG9vQndqU0ZfLUdZcnN2YUo1Z0J5RlF2NHZnTzN1LWhyQzQ4U3dj?oc=5) · South Side Weekly
- 2024-02-14 [Stretch of Pulaski Road between I-55 and 71st Street poses major safety risk, residents and business owners say - ABC7 Chicago](https://news.google.com/rss/articles/CBMie0FVX3lxTE50ZGZaOUpBLTBCazd6UHdVM3Y5bF83N0wzM3ZtYmp4MUZsU20zUjRZYzRsN1ViTTdWN2pEclFJTW9xWHJvWW5YZkN5dmhNMi1kSTB5NGZCamFpa0hwSVFYcnhjMnNZTTJ1UnVrT1ZPbkhxamJ4aF9mY2RWTdIBgAFBVV95cUxOSUxmRFFFd25QWXhoV3A0dkVrZWF0RUwyNlJ6ZE8tMGhQZkdISG1qa05nZ2tTUHJGV19Bb2hDSUU3dWRGVElsMTBlZDU3RDJxVTVUU2toSW16Y0ZxYngwVmt0bldBcnlIQWxITkJ6Q3hLY2hUMUFhQzh4T3YtaC1zbQ?oc=5) · ABC7 Chicago
- 2024-03-31 [Neighborhoods near congested I-55 freight corridors count truck traffic, push for changes - Chicago Tribune](https://news.google.com/rss/articles/CBMic0FVX3lxTE1vaGRHWWhMN2RfUlNHbDNoUWNSN0lBN3lkelcwT0pPbG1GYkNDR1EyUXp1Wk5uQnNwVXlvMWpxdWoyS2h2Y0psRl9CQmFyeTBqSi11TGJPeGFvX0paYzd6WkVEZjd2eWpkLWEydUlURnVleG8?oc=5) · Chicago Tribune
- 2024-05-24 [Fight to save ShotSpotter is still alive - Southwest Regional Publishing](https://news.google.com/rss/articles/CBMilwFBVV95cUxQYUlMNTIxY1BSeUh3NE5wMnBjYkZlaFZmSU4wMlFERFJxQVprSXNkQkhsdThWalYzOHlLVDFIMHVHaDQxM1BKSGRpdk9MWlhSYWZld1JUeUE3OHpqdlc3eWNRX2p0U0w2LWdXS3JYRVlwbXB4OVJIM0RLUzk5OTNCMnQ5X19jRUdMU0pCeExJWGpuTmxXVGtF?oc=5) · Southwest Regional Publishing
- 2021-10-15 [Frank Kuta Obituary (2021) - Chicago, IL - Chicago Tribune - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOcldWYVhLeldNNzB1YVRDRDZoY3dSZ0ZfT0hjMVFvQTVWSnh4QzY4UFNfZnNnWDBsTXN1UVZsYTRtSUh6MnhFc3lKa0NwcnBmdzFFT3VLLU5UVjJ4S2t4OGJiMWdaVEVReE5mREpNSlpGWnZ5VlhUMjh1NUIyVDR1cl9rSnNYczI5em8wcTJDS2pPQQ?oc=5) · legacy.com
- 2008-12-14 [Chester Jablonski Obituary (2008) - Chicago, IL - Chicago Sun-Times](https://news.google.com/rss/articles/CBMiowFBVV95cUxPd1RON0pUX1Q3Zzc3NDFMdzJnaXNkVmNHNlcxQlBwLWVUVWhpdmxPS2tFUm1kX2Z1Y3ltZTlDVFktRU53SkwyZmMwY2lHM2RQdWpvd243S3FxQWNuaG1tRzdXck96REUwcHNxZnZpYlc0MUtnMUVjVTZkWmZWOVFPUlZOcjBvakgtaGpVRXJUbENSdzFMYWxkN3ZwajFUQjg2MUlB?oc=5) · Chicago Sun-Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63125 (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/21.json (key "63125", 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=63125
- 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