# ANDIGO
SCHAUMBURG, IL · NCUA charter 63799 · asset band $500M-1B · latest filing 2020-03 · stopped filing after 2020-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/andigo-63799

Who the members are: state charter, organized 1939. 37,379 members of 4,646,453 potential (0.8% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 73.

**Verdict on the desk:** this could be *ordinary*. 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 | $867.8M |
| Members | 37,379 (3.4% YoY) |
| Full-time staff | 104 |
| Net worth | $104.3M |
| Net worth ratio | 12.0% (p73 of band) |
| ROA (annualized) | -0.05% (p15 of band) |
| Total delinquency | 0.91% (p87 of band) |
| Net charge-offs (annualized) | 0.85% (p86 of band) |
| Loans / shares | 83% (p51 of band) |
| Cash / assets | 12.3% |
| Borrowings / assets | 1.39% |
| Net interest margin | 2.87% (p41 of band) |
| Operating expense / assets | 3.23% (p36 of band) |
| Vehicles % of loans | 12% (p9 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 14% |
| Third-party paper % of net worth | 10% (p22 of band) |
| Vehicle delinquency | 1.98% (p100 of band) |
| Vehicle NCO | 0.58% (p50 of band) |
| Repossessed % of vehicle book | 0.03% (p45 of band) |
| Real estate % of loans | 79% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 86% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 12% |
| Average share balance | $9,816 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 73% |
| Loans granted per 100 members, annualized | 114% |
| Average loan balance | $22,593 |
| Loans granted, annualized | $262.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **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 | members leaving |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency 2x band, delinquency rising | members leaving |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 | assets shrinking | delinquency 2x band, delinquency rising |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | assets shrinking |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 4 | net worth falling, losing money, margin squeeze, delinquency rising |  |

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

- 2024-01-10 [MSUFCU announces new vice president of branches – Illinois - CUInsight](https://news.google.com/rss/articles/CBMingFBVV95cUxPRFBEU2YxR0oxN0J6UnFGSkZ3R3VXT0t3clhTb2NMTXlVTTgyRXpCYV9IQmluZGdWV056MHhaTTc3THByMzVfSE5RdHFUZW1BYjRBbmhoaXdfem03anI2Sk9rbGxsWi1HbjJrSFoxX1NmWUJ3d2tpUmpGdUtCXzJVSzg2aGZDLXJ5UkpWTWx2b2FFM1VuYXhaMEZyTG1aUQ?oc=5) · CUInsight
- 2019-08-12 [Two major suburban credit unions to merge - Daily Herald](https://news.google.com/rss/articles/CBMikgFBVV95cUxPTEdhVi1nZ3Y3M050bHdDenZncVY4RFppSF9iRlJXQjBFSUVfRERjVEZfbXBKY1V1UUhtalRybkE4NnpsTlctNlgyNHBjMEpSV0dzMWF1LUp0Wno1VVdJNklwTnJ2cHdXNDNCMzU5YzJ5NzFkMmp6bHF3dEhlMFNMVWNhWmxBSG9EZGdOaTNZMFVaUQ?oc=5) · Daily Herald
- 2020-04-24 [Andigo, Consumers credit unions to merge June 1 - Daily Herald](https://news.google.com/rss/articles/CBMimAFBVV95cUxNRTNkVmFLQnlkaG9BQmU0amxWWlBSRmIxM2lwd2UzcGVCUlVEX1ZHTmJCSlVBSFhJeDhOcUoxd1gzcXlsX3gySTFtTlphek8zVFBBWnY3clIyaUNyZW9IZTVqdWh0STlSYjBVcGRkNWdMdEo1cTMtLWp2Z0N1Z0NFTU5aa2FrR3lhYWR4NzBZaUhIMHVEMXF5eQ?oc=5) · Daily Herald
- 2019-10-09 [Schaumburg Setting For Business After Hours Oktoberfest - Journal & Topics](https://news.google.com/rss/articles/CBMinAFBVV95cUxNX19HM1pucC1iUkFFMXRmQTFraERwc3VLc2M2T2VaRm1nalI0NlVEbWxUbDB4SWtOVUJsclJKVG1Xb3Ytc3VQaDk0ZHVLMklVcDlwSTVmdnFlTmFkZ1VHLThKNnpsZUpvdmFkTVZVUURkaXdZRTVuMk9MX1UtY2xObzJucklzc3lYRjFBUnZHeV9IeXVNY3ByTHM4Z1A?oc=5) · Journal & Topics
- 2017-11-09 [Real Deals: Baumann & Crosno lead Bentonville brownstones - Talk Business & Politics](https://news.google.com/rss/articles/CBMikgFBVV95cUxNVnJ3ZTF3bmlxRkR4YmZJcHBTMUtWbS1GcFVHV0tWN1Mtc2l6blJycWdJT2xSc2I1Zi01WGpmYkZ1NW9BYWtfQ2tFU0ZUSEdCd192NHI3MWN4cWJ1NGJyVG9xbWlFUnJBNTZMV3kydHdFcWU0MzRiNk16U2Qzb2ZBNUpzS2o1dGJzaW5aaktfUGd4Zw?oc=5) · Talk Business & Politics
- 2022-03-19 [La Macchia Group hires Kevin Mineard as CFO - CUInsight](https://news.google.com/rss/articles/CBMijAFBVV95cUxOSGV0QnNvc0NXd2xVdXdBVU5yWlFsSHNNaTk5TU9mWWZqZHE0ek0ySXBxWFNySEI2NlpjYnllZUtwYmFicldOMkVVYTE4YnhlOWE0RUl1NUlta2JoTHhuempBODE4Z2VldmVzVW9zYUQteWZhVEttOGEyT1g3Q3BKZ3NJZnppaFhHa3lNdg?oc=5) · CUInsight
- 2017-08-06 [RAY SCHULENBERG Obituary (1924 - 2017) - Arlington Heights, IL - Daily Herald - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPTVlTOXMyLVFGRzliOC0xU0F0R1ZNUjY0STlBUzU2eTZBYk0ySmRNVlpZSms0UUJkU0dDSU0yY0pFMktLdktUZlRLMmN4VmJFcDRtOWx2RnpBVmdQLWF5VnZJYmNEUW4yRlQ1ZXFqbDh4c1NpSzdxbDFEQ1NMTHVLLTJZQndFOWhmRmVrNHFuWkpQTXNP?oc=5) · legacy.com
- 2019-08-18 [Great Lakes acquires Chicago credit union - Daily Herald](https://news.google.com/rss/articles/CBMikgFBVV95cUxOSjFVV1VJWVVwbl80WGw2UmlpTFRzWDBDdlphNWxGT25FSG9ya21pZmRTY2JpaFZSRmEyd2l1MjZqcXNCY3ZEU0JCVUJHNTVnSF81ZVQ4UmNqbGlFTWpyTXRkdGpUdVZvaFFFc1AySlZLYnk3YzNaOUxkdUFGcXppNXlseU1wZW5VbW5raGlDcmFwdw?oc=5) · Daily Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63799 (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/55.json (key "63799", 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=63799
- 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