# DIAL
Montgomery, IL · NCUA charter 64247 · asset band <$50M · latest filing 2018-09 · stopped filing after 2018-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/dial-64247

Who the members are: state charter, organized 1931. 1,161 members of 1,309 potential (88.7% of the field); checking penetration 16% (share draft accounts per 100 members); loans per 100 members 32.

**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 | $9.3M |
| Members | 1,161 (-4.0% YoY) |
| Full-time staff | 2 |
| Net worth | $976,490 |
| Net worth ratio | 10.5% (p30 of band) |
| ROA (annualized) | -1.53% (p4 of band) |
| Total delinquency | 0.81% (p51 of band) |
| Net charge-offs (annualized) | 0.23% (p50 of band) |
| Loans / shares | 34% (p15 of band) |
| Cash / assets | 7.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.29% (p15 of band) |
| Operating expense / assets | 4.12% (p69 of band) |
| Vehicles % of loans | 76% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.38% (p44 of band) |
| Vehicle NCO | 0.00% (p24 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 22% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 87% |
| Certificates % of member funds | 6% |
| Average share balance | $5,751 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $7,718 |
| Loans granted, annualized | $2.1M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, delinquency 2x band, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 4 | charge-offs p90 | net worth falling |
| 2017-03 | 5 | members leaving, loan book shrinking | charge-offs p90 |
| 2017-06 | 5 | net worth falling | loan book shrinking |
| 2017-09 | 3 |  | delinquency 2x band, members leaving |
| 2017-12 | 3 | members leaving | net worth falling |
| 2018-03 | 2 |  | members leaving |
| 2018-06 | 4 | assets shrinking, members leaving |  |
| 2018-09 | 4 |  |  |

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

- 2025-08-15 [Raymond James, Wells Fargo, Sanctuary score $1B+ deals: Advisor Moves - financial-planning.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxPTmpBaXgwUUgwcVVSdUF1Q3FQMDRvV3pLUkdXSzRsSnhNdlE4MVR6U2FtX0dvcGRzWUx4U215NDNjR3hGMWRGcWh0WnVEZmRGOUdwLWZqTnhVeWZfaTdTTHc3d2dZMndPU19CNzgxVDVFS1RoR2FRZVo5eVB5bHdiSkdiUWlUcmxjaHRZSG1RUS01X0F6X0RYaHNUN1Z1V28?oc=5) · financial-planning.com
- 2023-08-01 [Noah Kahan And Post Malone Team Up For Epic Summer Collaboration, "Dial Drunk" - Music Mayhem](https://news.google.com/rss/articles/CBMirAFBVV95cUxNWnc1NjJaeVZIemJrRTBJcFc4aWF2Y2NyTmJNSF9obVhqaXlKVmVpRXVUX2NnWjk5ay1yekFrczNJLXIwa2xBUFhIdkt0cjVobi1GU1N2dVZ3MXVMUjdYRGdHZHVnbEM2NFBKVTQ4T21YV3BjZE5zRWVRcVp4QS1leUVqc3lGdnZrS3R0akpMc1Z0Q1F0ZHF1ZFlvaFJ1TjA2YjdfNUFQRjc2VFJZ?oc=5) · Music Mayhem
- 2023-07-17 [Noah Kahan Teams Up With Post Malone On New Version Of "Dial Drunk" - Prelude Press](https://news.google.com/rss/articles/CBMihgFBVV95cUxNR2xXN2xUeUpscW1vU2x6cWtjSWZvMHJlN2lIMndMU0MyVDlCeklMZjFPenpFRzVfc3ZzdkcxRnNXSVBlMUdjRGo4dlRxV2pPejFFX1JlajRwb3RqNkZ6NG4teGtnbHJERVAtVnNZRjdub2R6b0RiVWVlb215UUhhRFlBQ0hNUQ?oc=5) · Prelude Press
- 2021-08-20 [Dial Complete Soap Class Action Settlement - Top Class Actions](https://news.google.com/rss/articles/CBMirwFBVV95cUxPSmUtLUliTGphUExnVTg1cHVuQWlyQ2FkZC1PUS1NNDVCUFJyUFdKYzY1UE51YWQ0aGlzcHJsOVRQTUg2TmhKYUFiLTNhWTdUN2kwcWtmR2VBWnF1S2daMGZQYjc5WG9WSktfbEtCNTB5bzVucVN3aGdldEhOZXdNYVRZUUVZcE00VjdYVXdjNU82d2RHVVhwR25vaHkxMG5uVXF6VFdvQzRrQnhVb0RZ?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64247 (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 "64247", 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=64247
- 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