# MENOMINEE AREA
MENOMINEE, MI · NCUA charter 63753 · asset band <$50M · latest filing 2017-06 · stopped filing after 2017-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/menominee-area-63753

Who the members are: state charter, organized 1954. 1,361 members of 7,650 potential (17.8% of the field); checking penetration 32% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *auto monoline*. 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 | $9.4M |
| Members | 1,361 (-3.8% YoY) |
| Full-time staff | 5 |
| Net worth | $1.5M |
| Net worth ratio | 15.7% (p70 of band) |
| ROA (annualized) | -0.35% (p17 of band) |
| Total delinquency | 0.33% (p29 of band) |
| Net charge-offs (annualized) | 0.36% (p61 of band) |
| Loans / shares | 55% (p49 of band) |
| Cash / assets | 12.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.93% (p48 of band) |
| Operating expense / assets | 3.66% (p59 of band) |
| Vehicles % of loans | 72% (p81 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 0.00% (p28 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 91% |
| Certificates % of member funds | 0% |
| Average share balance | $3,643 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $7,001 |
| Loans granted, annualized | $2.6M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | net worth falling, members leaving |  |
| 2017-06 | 4 |  |  |

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

- 2023-10-25 [Five vie for Menominee school superintendent job - ehextra.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxObDNwSS1nOHpzVlZGUFlham0teGdwSHBxS0lwWjNvX0RNd0RpbUpjcEYtREQwdGVpUkd3dVJpNFBkR3BySGY0bExkUVE2N3R2Wi00OXVqbzNWU1ItUEJaUlBkSWxTUkJhRGdoaU10R1JXSmhRbkM4TmNyT1N6dEhJRlNIYXBhWDNKWTFTLThKaExJTDFyT0RBUkdqcU5EQW93eUdzYW0wY09aM0Q1N2VXSmIxSVhKTmZ6bFZmRWk0OW52Yy04SFE?oc=5) · ehextra.com
- 2013-02-18 [Earl Chaltry Obituary Feb 18, 2013 - Bowerman Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE9UNENHekJiNGdlMHVXc25QN0V0OE5pSHpZajNkcF9BdkNuUE5adGltNGwxa2R4d1h3UE5mTlVUeGVBbW1MRS1wRVdvbWlWcUtIcFVkSHJ0WHR6aUlGdVdaQktDaElRUVBKcUpN?oc=5) · Bowerman Funeral Home
- 2026-07-01 [Marlene “Molly” Joan Monson - ehextra.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxOV3FBc1J4Q1dqcjFqaGNtQW5TeUtqVGwzb0s2Q21aQlJKN29RSF9rb1RkRkN4a2lCeXB3R0RDTVpfckhOY2ZrTzkzdVhqZU1Dc1BwWmhlN3VNTUFmQXQtdXJyWE05MFZ3QW5aXzFvZnlaaW1IOGJrRXdURWYwZjE4LVcxdXcyZV9KTzI1cHQ2Zi1pZ3pGai1xMmZ3S0pCYU5ma3lUTGpIdw?oc=5) · ehextra.com
- 2023-11-07 [Buyarski voted Menominee Area Public Schools superintendent - ehextra.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPWTRiUFVldkhIYnNvRHhPUVF1OTVOd2NnV3JnUUFYeHBCOHNRclBUNThnYjlseFVtSXhIZlVyc245V2FnZERyMHJwUGdWQmdMWG04Q3JMMTRyQ0Fsd3VtVHpoWUUtZHMtY3hHTHVtRk04aHNFZ19uREdkU2pfdXIwRER4T2I0Q3JxUVI2cURQQ3VYSHZvMHBBOTVoaWxBVWFXdG5EaTViS1FwdHEzLVVJaHNmZFJsSHhEREE2MkMwMGxvU0RJbjFJMU1odnoweTdhaU41dQ?oc=5) · ehextra.com
- 2024-08-20 [Economic leader Nancy Douglas broke down barriers - ehextra.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxNTGJvdkdoZWV6WkJKa0hQR0FxWFY2MFRubUswZHhrYlhSWVdmMlp6VU5TOVF5ZE53Yl83bjhjUV9FYlUzQVJtRk1UMHZKMXhfXzZSeWZyTnZFUHVEem9yeUJ0U25Yd0VZLXhGR19aSlJKbkI5ZmgzNElMYW5KcnlBWno0SDZSVi1VY1NrNlNXWmxDeEFCX2M5dkhuVzdEdUxtYzJGY0NwLWJydW54b3pNcDl0akFVeXg1azN6bk5MRy0wWHhsdnNB?oc=5) · ehextra.com
- 2023-10-09 [M&M Chamber dishes out honors at awards event - ehextra.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNTzIxdFpTelVzUlFveGtGbm4ydVlEUXJLQzhjSk94elN4YjV3RmZXeTlKSVJubUEyV0tPSzlnblhHaC04Q2cyYng4cHdqMWtaNHZjb2ZJcVZpaWhHdE9yMnMycW1mTDhKMlZrMmstcEo3aDg1Q3U5UEtmZnRLTktWdEptdG9FZ185R2ZSWUxaZVpyaW1FQUo3UEw0SVlyWW9vTGpSdl9aNlhPTlN5NlJDQW1WNXhEemZ6MGtxMXBDbXlSdw?oc=5) · ehextra.com
- 2024-09-08 [Menominee church cleared to move to Marinette - ehextra.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNTjNtNjUxVHRJN05TUDdUNDJJVjJoTm92ZjItOXRwX0dmR0NraktSeVJBbDJIY0g3eE1fOW9XdnZ5VTU0NnBQZV9GN1pzNVUzaXcxOHR3LW40RThRaXl6ZHJIcVZ5RWdZSkRWM3ZENV9GZE4xeFptR2dUV2NSeUVPUmJUOTA1c2szNy13SGIzaU5kLWUzSkhEX0x1czhXQTljb2xmWmVQcFpFanJ3eUJLQlYwVktBd2hWd0NpcXRPdlF5Zw?oc=5) · ehextra.com
- 2024-06-28 [Lesley Hicks and Joseph Noha - ehextra.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxPWXljTWdLN1ZadWtFM0JyWS1tenhrYTJzeklkcG9qZFdtZWwzeVdqaUVxNVB4UUV4alJBazZvdExiWnI2bVRiSWhpclFBOFlkdXJCekhkNEVsNkRLR21DUFZ0azU1Z0UwR09ZdGtHUTBESElsNi14UEZONGFvXzBkZm5tbHR0RVhDTjJINWdVSUJkQzVNSnJObTloUmxwTVRlc3praQ?oc=5) · ehextra.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63753 (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/9.json (key "63753", 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=63753
- 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