# FAMILY COMMUNITY
Charles City, IA · NCUA charter 64067 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/family-community-64067

Who the members are: state charter, organized 1960. 2,032 members of 68,182 potential (3.0% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 27.

**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 | $26.4M |
| Members | 2,032 (-1.4% YoY) |
| Full-time staff | 6 |
| Net worth | $3.1M |
| Net worth ratio | 11.8% (p29 of band) |
| ROA (annualized) | 0.97% (p68 of band) |
| Total delinquency | 0.12% (p27 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 38% (p22 of band) |
| Cash / assets | 64.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.33% (p28 of band) |
| Operating expense / assets | 2.71% (p24 of band) |
| Vehicles % of loans | 68% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.10% (p36 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 93% |
| Certificates % of member funds | 6% |
| Average share balance | $7,762 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $15,717 |
| Loans granted, annualized | $4.4M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## 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 | 4 | net worth falling, losing money, delinquency rising, members leaving |  |
| 2017-06 | 4 | loan book shrinking | net worth falling |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 | net worth falling | delinquency rising |
| 2018-06 | 3 | assets shrinking | loan book shrinking, net worth falling |
| 2018-09 | 1 |  | losing money, assets shrinking |
| 2018-12 | 1 |  |  |
| 2019-03 | 4 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2019-06 | 3 | assets shrinking | net worth falling, delinquency 2x band |
| 2019-09 | 4 | loan book shrinking |  |
| 2019-12 | 3 |  | loan book shrinking |
| 2020-03 | 2 | net worth falling | delinquency rising, assets shrinking |
| 2020-06 | 4 | losing money, margin squeeze |  |
| 2020-09 | 4 | loan book shrinking | members leaving |
| 2020-12 | 5 | members leaving |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 5 | delinquency 2x band, delinquency rising | loan book shrinking |
| 2021-12 | 4 |  | margin squeeze |
| 2022-03 | 6 | thin capital, net worth falling, assets shrinking, auto monoline | delinquency 2x band, delinquency rising |
| 2022-06 | 5 | delinquency rising | thin capital, net worth falling |
| 2022-09 | 3 |  | assets shrinking, delinquency rising |
| 2022-12 | 4 | net worth falling |  |
| 2023-03 | 3 | assets shrinking | losing money, net worth falling |
| 2023-06 | 3 | delinquency rising | assets shrinking |
| 2023-09 | 2 | assets shrinking | members leaving, delinquency rising |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 2 |  | delinquency rising |
| 2024-06 | 1 |  | assets shrinking |
| 2024-09 | 2 | members leaving |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | members leaving |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-08-20 [Robert “Bob” Miller, 92, of Charles City - KCHA News](https://news.google.com/rss/articles/CBMieEFVX3lxTE9QNnNaV2hPQWxjZjdEc1NxOFNaVzNhMm5vVldjMnZVSy1fZlEyZld0OVhmMlhFSGxXbFc5RTViZ1hZa1Z1eDBKTGV4SzVwSzlkX29EMS13VVphdkY5bGRXeXRBa2Nma2NRa1VOZE91SXZ1dThxbm5aeQ?oc=5) · KCHA News
- 2026-06-15 [Concert in the Park July 1 in Watertown - nny360.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQemVZcnY2R0UzbzdFclQ4UGZNM1Zhd0tyVUFhNHQyWlFETzlNNlJFRlpBNU01VEowdXRwazFOUkdpN3FJUm0xMEFqV0tBak1xMkZCczJHa0FxeEliOWlzUUh1T3hUZkNUSEk5UWR0b3lCcGQ3UXEtTDF0anljbGxRVmpUbVRIWFd6M0d1LTdCRHF4YnZhcWllQUhyQWotQ0hOOHF6SlB4ZEItVGJWQnNfWGpBSVE2U3FIY3d4TWI5QURzZw?oc=5) · nny360.com
- 2026-02-17 [Nebraska State Patrol honors fallen Trooper Kyle McAcy on anniversary - WOWT](https://news.google.com/rss/articles/CBMioAFBVV95cUxOZmlVMXdPSmw1cXVtYlVlbmlsQmg4V0V4TWwwT3pjS0FIbjctWEVCR0l0OElEU2ZtdnpIQU83a2tJVEFQQndXT0tNUy1kTGo2VS03NTVLMmNPWUx3NDJ2N05xZDYyWW55VFV6bnp4ZkFCbmZCT1VHRGhmVXlDS2JJRGJfeHZQOUMzang5WkhKZnBkN0I4V2Jhb1ZBa1R1WUEw?oc=5) · WOWT
- 2023-11-26 [Joseph P. Genduso, Jr. Obituary November 26, 2023 - Mercadante Funeral Home & Chapel](https://news.google.com/rss/articles/CBMib0FVX3lxTE0zbkNNNzM0NDhqdXdVMGRJZTFwV09vQXh4d2xqUXFRNml0N09OWXpJdDlETG9jdWlINk5aVzlraU1tdXg5TkpRajBQS0ZrRmdNbHhEdU92VF9aU3BNU1VnMDk5ZE9sdEJjMjB1ZDZ5TQ?oc=5) · Mercadante Funeral Home &amp; Chapel
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2016-08-07 [Honoring fallen Officer Miller, W.D.M. police thankful for support - The Des Moines Register](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPSjVNSi1YaEJIczdnWVBEamo3MFJ2M0JLV2hfTEgteldnQ0xTN09HMVdsVnRYeDBhYXJVcUhTbXdYYjhKb0FsblVtUVpqb0F5MEhPRHlvVEVTaWN0ZjhSRlNEaUdybmszWnNKUk5KU0E3VzM3RzJOdE1xaWQ2NFVWV3lEWWdIMGtyZmN4QjhZMUZONm14MlQ0TVF4VmZMVkJoRlBDRWR4TjlDa0tuSEJnakpnaFl1QmdUVVpsZW5VRlBZaFZBMk80UkhyMlBWdUJabGtPdEFoMXFEWGNqNWNB?oc=5) · The Des Moines Register
- 2025-02-27 [Funeral held for Nebraska State Patrol Trooper Kyle McAcy - WOWT](https://news.google.com/rss/articles/CBMilwFBVV95cUxQcF9nMGdtSVNLdEdicWEyODFhd0lQbVJDZzI5X1QwX0VkNUVkZ1FJRmxNZVc5ZWttWlZXUENoQ2Z1UFN0aVdyX1h4RWZkVlRTelA0SmVWdE1BN0R2RG90WnVGaWQ2bXFFZHl0aFRTalZGUjBkaFRHd3M0WlFHekVVWUVDMXJxcUZtVW5neUZkWmhLSkRPaFcw?oc=5) · WOWT

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64067 (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/3.json (key "64067", 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=64067
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide