# LENNOX EMPLOYEES
Marshalltown, IA · NCUA charter 64234 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lennox-employees-64234

Who the members are: state charter, organized 1948. 6,669 members of 26,653 potential (25.0% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 53.

**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 | $72.7M |
| Members | 6,669 (2.4% YoY) |
| Full-time staff | 15 |
| Net worth | $6.2M |
| Net worth ratio | 8.6% (p7 of band) |
| ROA (annualized) | -0.22% (p9 of band) |
| Total delinquency | 0.89% (p67 of band) |
| Net charge-offs (annualized) | 1.05% (p90 of band) |
| Loans / shares | 61% (p51 of band) |
| Cash / assets | 7.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.75% (p9 of band) |
| Operating expense / assets | 3.22% (p39 of band) |
| Vehicles % of loans | 73% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.02% (p70 of band) |
| Vehicle NCO | 1.14% (p85 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 13% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 26% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 37% |
| Average share balance | $5,716 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.7M |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $11,642 |
| Loans granted, annualized | $20.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.7M outstanding purchased (26.4% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 6.9% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2012-11-02 [Officer, suspect shot during armed robbery - KCCI](https://news.google.com/rss/articles/CBMihwFBVV95cUxQUVplNlBXWFN4TE5pS0ZwOWNBdWRLc0xLZmh3T2Z3Tk8wbi11WWhkbWd6V1dYRVJGWHlsMWtDemMxQV9ueWhBVWlQX25MYWxKc0JxUWE1TUxfaDVWaU02TWRTNjRJaEU5YkF0ZFBuekFOOEgxZVl2VzZxNkpCZEx2VThoOFFxZUE?oc=5) · KCCI
- 2012-11-02 [Iowa police officer shot chasing robbery suspect - WQAD](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNVzRmN2V6WVpmdm5MM0dSNEYxTG0yZUVSVWVsSGZTbDQ5YU56X3J3QWlzS3BzLVNLVlVWNDY3d2pldDlZTHVkMFZmeEd1NDdiOVpmRWQ1VVpydE9HeUVLWS1fUzExcFJabWFOWnFHNDlIUDFxQnVpcm1ydmZhWVY1elFURVBIdnc3VDhhQXpTUVhuLTZIbnZLNlIxX1VYTXFNTkt0YVM4ZE5JYXdneGVmNUpNQWVvX2VtWnZ2Ql9SZzIwRk1ubjh6Mg?oc=5) · WQAD
- 2025-06-20 [Travis Dean Schossow Obituary Feb 18, 2012 - Mitchell Family Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE8zUGVZV0VaR1lRaWtSd2piU1QtcnlZVkEzTjJrWlVDaGVWLThQWnpxal9FNkN5VEt1UGxwLXp5QjB6cHFUU21zWTVIM2kyMXRmdVVyWjEtVjByQUhaVlg1aUUwNA?oc=5) · Mitchell Family Funeral Home
- 2025-12-17 [2025-2026 United Way campaign hits 90 percent of fundraising goal at year-end event - - Times Republican](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOaXhNTll1YTdKRG1rTy1sZkVUTDcyZlpZUk1fMjRoa1Z4Tnl6ZGlKMkh5QWF6ekltTnVvVkJ0QjJhbVQwNTdWRE9PaDIzRFRGT2tELWR6a2xkQUNMWGdDZjkzTE5RY3dZUGlsSVBJdElKYXc0SDQ4bTJUQWlWT3ZGaTM3dF9SWnBHeUcxMnpHdHh2b0RJQXF5azg2MTNwSEV1SmQ0VjdUbldSaHl6YTFmdFRyWkJOeVJRQnVlbEI1eHFZczd1U01vRzg4SUYybUJfTVBxZXYzank?oc=5) · Times Republican
- 2019-01-25 [$1,000 offered as reward in disappearance of Marshalltown teen - kcrg.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxQd2V6UC1Yb185TWZHZ19MUjJzNHZQcnF2SE00VmxxM2FkZ1I2dDFwYjd2dE95Z2JUdTdaLTU1MHlyVE1yWVVMWHIxeHdMT1Nld09ha0x5SU9mVzcyVjl3al9EUU5YRWNzWHNYenBiMnJjRlVBYzhvSkswaXlsZWY1Wm1IOFJUdGN3bm9zTmdsdGp6VHBubFlEZHVzY3BmdXp1WWY1RExMeFF3YXNjOXc?oc=5) · kcrg.com
- 2019-01-29 [13-year-old Iowa boy found dead days after he left home in snowstorm, police say - WXYZ Channel 7](https://news.google.com/rss/articles/CBMitAFBVV95cUxNbzdyVkZ6Q0ZrdDRvNUNwckFKb1dJNjVlYVZPN3JsZE52SGwxSmZnUVZKNnBJVGRLeElkd2lCRjc1M09SS29JUXE3T1QwZmI1UWlJTF84dVBfR2hwMzlNc2dsN1hRNm9GR1p3d1lTUXJDTDBTeU1wZldNNGtYcW4zSHBIYnJqZ2Q0eE9jTGpMamRpQXJ4OTJORjdXdlFxWkFhUjJ1SFJSS09lMzR4aTdoZ09DR2Y?oc=5) · WXYZ Channel 7
- 2019-01-27 [Months after brutal tornado, Marshalltown bands together again, this time for missing Corey Brown - The Des Moines Register](https://news.google.com/rss/articles/CBMi_AFBVV95cUxNbUhVbFdQc0xSYmF6M3BwQlp4Y0VvRFZrVmtjUURqQk9HXy1MSmlKOW5GN3hwSjE4X09SaTlLZGZOcW8tNEZYbVNMQUgwX19GSFhIcjFDVFQ2NURnOC1qSjVpd0c1aWY5cEEtVFRzQjhCdVc4bTVndDlHRXJlNmJwSUdlMXEteXlHVVlQdGNTSFJFWjB4WVhuaTIwbk0tdGFPVkRfRVJWbVBqaWdfdkIxci03WlBKVUtGX0ZPajk3bjlqN0ZNTDJ4YUtVWUxXNXVLbGdKMzU4X2U1TTdWYUhIRGJqSDJTNzBmM1ZqVndjN3Y5MXdfTHRmc1BqaUU?oc=5) · The Des Moines Register
- 2008-04-02 [Steven L. Lampe Obituary Apr 2, 2008 - Mitchell Family Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBEbi1reG8xbTdNaFQ5d19sQWNnemZ1emh6bWtMYXE3dndSX0NUSnZpVmRzZi0xSDByN2pJMjNSMFcwXzUtUkNVQjViUGdBMXpaOTkzV1NCVGVCOVFfNExv?oc=5) · Mitchell Family Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64234 (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/42.json (key "64234", 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=64234
- 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