# FOX VALLEY
Aurora, IL · NCUA charter 63286 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fox-valley-63286

Who the members are: state charter, organized 1937, low-income designated. 3,399 members of 347,100 potential (1.0% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $46.6M |
| Members | 3,399 (-1.0% YoY) |
| Full-time staff | 10 |
| Net worth | $7.2M |
| Net worth ratio | 15.3% (p53 of band) |
| ROA (annualized) | -0.41% (p16 of band) |
| Total delinquency | 1.90% (p76 of band) |
| Net charge-offs (annualized) | 1.28% (p89 of band) |
| Loans / shares | 39% (p22 of band) |
| Cash / assets | 61.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.85% (p49 of band) |
| Operating expense / assets | 3.98% (p60 of band) |
| Vehicles % of loans | 37% (p23 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.00% (p65 of band) |
| Vehicle NCO | 2.62% (p94 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 14% |
| Average share balance | $6,792 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $12,452 |
| Loans granted, annualized | $3.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | repo signal |  |
| 2016-12 | 1 |  | repo signal |
| 2017-03 | 4 | delinquency rising, assets shrinking, members leaving |  |
| 2017-06 | 4 | net worth falling, losing money, charge-offs p90 | delinquency rising, assets shrinking, members leaving |
| 2017-09 | 4 | assets shrinking | net worth falling |
| 2017-12 | 4 |  |  |
| 2018-03 | 3 | net worth falling | delinquency 2x band, losing money |
| 2018-06 | 1 |  | charge-offs p90, net worth falling |
| 2018-09 | 0 |  | assets shrinking |
| 2018-12 | 1 | margin squeeze |  |
| 2019-03 | 0 |  | margin squeeze |
| 2019-06 | 1 | margin squeeze |  |
| 2019-09 | 2 | charge-offs p90 |  |
| 2019-12 | 0 |  | margin squeeze, charge-offs p90 |
| 2020-03 | 3 | net worth falling, assets shrinking, members leaving |  |
| 2020-06 | 3 | losing money | assets shrinking |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | members leaving |
| 2021-03 | 2 | margin squeeze | losing money |
| 2021-06 | 1 | delinquency 2x band | net worth falling, margin squeeze |
| 2021-09 | 1 | members leaving | delinquency 2x band |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2022-06 | 3 |  | net worth falling |
| 2022-09 | 1 |  | delinquency 2x band, delinquency rising |
| 2022-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2023-03 | 4 | assets shrinking |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | delinquency rising |
| 2024-03 | 4 | losing money |  |
| 2024-06 | 3 |  | losing money |
| 2024-09 | 4 | delinquency rising |  |
| 2024-12 | 5 | charge-offs p90 |  |
| 2025-03 | 5 | net worth falling, losing money, loan book shrinking | members leaving, assets shrinking, charge-offs p90 |
| 2025-06 | 4 |  | net worth falling |
| 2025-09 | 2 |  | delinquency rising, loan book shrinking |
| 2025-12 | 3 | loan book shrinking |  |
| 2026-03 | 4 | net worth falling |  |

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

- 2026-09-08 [Discover the Benefits of Banking with Fox Valley Credit Union - Shaw Local](https://news.google.com/rss/articles/CBMioAFBVV95cUxNWTkzMWp1Ry1LbDV5cDN4Zkdyb2tzQ3JvMW94OGdpWThhQjBtVnVmUVF5bk01eTlJVjE5YU9iZjEzNDB6OGhzejV2VWs4NjktRGVzbDVOa3Bxb3RUZ0VkbG53V0M4dUo4dGpqbF9sc0Nmb1d2OEZoSk1MQXlKVFBWQXhvYXFScy1hQngwdXI3U2Rwa3drQk9oVXNFU1FvdGk4?oc=5) · Shaw Local
- 2026-07-10 [Clifton O. Bartelt Obituary (2026) - Aurora, IL - Malone Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOMlR1MnZnUEVOY2x6TmotZEFjQ1oybHN6UWtHYTRYRWdmcTd3cTNzdUY3b09TYWhodDlPT0h3TlMzaG5ld2NBZkJlMmJLSjNEMEFLMVFRQmZJYURTR0JSNlNoNVB4elZ6ZmJFWXdwejdpQVhiYzlWQ2E4bTU2VFc1YWtIbWs?oc=5) · legacy.com
- 2026-07-22 [Landmark Credit Union CEO discusses growth and his move to Milwaukee - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMilAFBVV95cUxNZnN4czBQWE5DVWJhekx2TlBYOG1VcEhuc1dST0pPeXFxejlXaUgyQ2VMaVgzSHM4VUcyWnpPUmdKemRoZk90cGppSW5fV3A2Um1xMzNBTmk4bkNoazVQaF81MHE0d2FxbXVsaDk0R2c1Tk9EdVE2UHdsN3J0eEwwejQ2elpzci1hbVoyVnlfd2N2a1Jh?oc=5) · BizTimes - Milwaukee Business News
- 2024-04-07 [People on the move: Northwest Community Credit Union CEO appointed as adviser to governor - Daily Herald](https://news.google.com/rss/articles/CBMi6gFBVV95cUxObnFEVmZmRzZnUFp0N000dnBfNWZNTUJNUE84TlRGMzBndTEwVThDSS1zX3hWMG5qU19UbjRTRW5aajBUZEZuX1pzNUdIMFJRR2gwU2tRWWFrZ3djTjhzSHI3RWN0VDNuTWVIaUNSVFNaNXc4XzBzWkN1WWRRYVBvN0w1U2RmLWhieHlQYUVObnBhaUIxNHhVSGVzWUIwQmpuaUppNGtIMkRtWU9LbVM4bjA5YURNSERVU3haQ0JtbjIwb2RIbFFIOUFLbFMyT2F1UC1GRFpnWHFLZmlURHJxQWFUbkhOX0FyakE?oc=5) · Daily Herald
- 2014-10-12 [UW-Fox Valley names business, geography professors - The Post-Crescent](https://news.google.com/rss/articles/CBMisAFBVV95cUxQLWZsVHgwalpzUE4wVGxTMG9CMTQySXQ2R3BMMG5fS3R2ejZTdTR5Uzdna1NidG80Tk84bEhGb29XZDNlaUE3WXhqWU5ZRGlsdXBRWDVjdlZwZ3VpY0huSm80WUxoUFNRaWNoS0p5aDFUdTRrc18yUFBHWUtVV3NZU18tOUowVnRWMVFKVXBWd3VLX1dzSURWLW1MeUxta2sxMnhQanUwWmFvczJOVnZTNA?oc=5) · The Post-Crescent
- 2025-04-22 [James Chione Obituary - - Chicago Tribune](https://news.google.com/rss/articles/CBMiaEFVX3lxTE94ZVl1azk1WDJwX0VwbU1fbGZaZmlSWkxwanVFOHZLZmlqTnVkREF0U3FmdWw5b2JCYlNmdlNoWFI5M1h1bXR2MVFReFNqbGJPZlFKd1ZUSm4zRnNVSThORFBncWNjc1pD?oc=5) · Chicago Tribune
- 2019-04-11 [Things to do around Naperville this weekend: April 12-14 - Positively Naperville](https://news.google.com/rss/articles/CBMirgFBVV95cUxQVHhIYnZBYng1aXVuZGdnY0ZBTDQwLWRJMWFTSVBfRm9xOFlleEM3aWlNY082ZzZRYjl5UzJhSVFoMlhlRFoxWWpvMzhnWXdMdUQtbDRSdWRmbFBYZnVreG9oXzVORXR6SmdlWnJmbkk5Y2otbk1SUmluc3FMSkpjRXZKYTljSmYtSnMwNWFUZW42N0w3UnJVUndDLWZjS0dmckluVjZkd2VZT3VxWXc?oc=5) · Positively Naperville
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63286 (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/54.json (key "63286", 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=63286
- 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