# VILLAGE
DES MOINES, IA · NCUA charter 64308 · asset band <$50M · latest filing 2019-06 · stopped filing after 2019-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/village-64308

Who the members are: state charter, organized 1967. 2,349 members of 728,999 potential (0.3% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $17.1M |
| Members | 2,349 (-11.2% YoY) |
| Full-time staff | 5 |
| Net worth | $1.7M |
| Net worth ratio | 9.8% (p23 of band) |
| ROA (annualized) | 0.39% (p42 of band) |
| Total delinquency | 1.26% (p66 of band) |
| Net charge-offs (annualized) | 0.31% (p60 of band) |
| Loans / shares | 96% (p93 of band) |
| Cash / assets | 11.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.56% (p85 of band) |
| Operating expense / assets | 4.87% (p81 of band) |
| Vehicles % of loans | 18% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 5.40% (p95 of band) |
| Vehicle NCO | 0.99% (p86 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 73% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 13% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 41% |
| Average share balance | $3,383 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 35% |
| Average loan balance | $9,743 |
| Loans granted, annualized | $6.4M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **members leaving** (`shrink_members`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | expense trap, delinquency 2x band |  |
| 2016-09 | 1 |  | expense trap |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 5 | margin squeeze, delinquency rising, charge-offs p90 |  |
| 2017-06 | 2 |  | net worth falling, delinquency rising, charge-offs p90 |
| 2017-09 | 1 |  | margin squeeze |
| 2017-12 | 1 | loans>95% of shares | delinquency 2x band |
| 2018-03 | 3 | net worth falling, expense trap, charge-offs p90 | loans>95% of shares |
| 2018-06 | 2 | loans>95% of shares | expense trap, charge-offs p90 |
| 2018-09 | 3 | delinquency 2x band |  |
| 2018-12 | 4 | losing money, expense trap | delinquency 2x band |
| 2019-03 | 4 | margin squeeze, members leaving | losing money, expense trap |
| 2019-06 | 4 |  |  |

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

- 2026-05-20 [Crow Tow keeps getting contracts in Polk County, despite years of consumer complaints. Some officials are calling for an overhaul. - Little Village Magazine](https://news.google.com/rss/articles/CBMifkFVX3lxTE01OUw1N3dXN3hmZnZkMy1oaERrTi1rUTRmQzlIZU9kOEQtUUlleHRIODJtMmdHb1ZDMTRHMmJMNjZ5UUROY3ZRbmJES05iTVNfOTNJcVlScGpwZVk3LTh4My1aeDR3WWJ6QmQwTVhCYWx5c3pGYUN3eDBCa0lhUQ?oc=5) · Little Village Magazine
- 2026-04-23 [See new details about Iowa football's 2026 schedule, ticket information - Hawk Central](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPaXpiclBGTVpaZ3Nlb1FFakF0ZHhNc2lJS0Z2NWZoTkN1SXNZNnN6c3dVRkkzMHZvTnNyRDlySTZoTEUtNlFqSkRpOUsyMmV6cEZJdGNBUUVjRl9wLWNGOGtVUWlzQVBpai1MYUFDRnc4dHNQX0N5OW9Md1RxMXJrZWY4UkQxNGFaME42OU9qTDVpb21ZejZlUkNRbzAxaWpIbmdic20wUTNCMzRpXzFaY3Bial9qY2ItY3RNMUZUYl9MZzRWLVN2S3JOUV96c0xSLXVPdUlzU3p2NFpIOFNwcg?oc=5) · Hawk Central
- 2022-03-16 [Scott Credit Union marks the opening of new Ballpark Village location with ribbon cutting - CUInsight](https://news.google.com/rss/articles/CBMiygFBVV95cUxNdlp4NmU3Si04ZmpWVFdCbENIeWlIOVhUQjg4dVBsdzl0dWhDbC1jbDk5TVZ3TkI5VEJOelhuZkJPWFh1LS1QWS1Jc1dLeUFiSHlGbGVFUGhmVUF3WUdHOGlIcFdlMGtpN0RNZEF3V04wS1k5N2ZPcmZKLTRiSzhLRWI2R296dUNoMy15NmROWVFWcVhjUUFTUzN2a3VsQmdrc3JhcnpZREpLTldZWHNxbnBGell3S0duUWVQdU11UnkwRjVnTDh5T2xB?oc=5) · CUInsight
- 2025-11-20 [No bidders for the Chauncey and other foreclosed Moen buildings at the sheriff’s auction - Little Village Magazine](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBaU0dCNnY4bkl3RU5XX2Y4WlR1czlEZVlXTmkycWxBNGpLdG5EbkNaa0x6Mjdsd2phd0daV193ZHBOUnZzRWhGZTFxS0RnZ3NxeWpBZl9xNlFRaWFwNVVQSDA0U1VhVXM4?oc=5) · Little Village Magazine
- 2023-09-21 [Drake Hoops Fest Coming to East Village Oct. 5 - Drake University Athletics](https://news.google.com/rss/articles/CBMirgFBVV95cUxPY3lCZzBjdUpSdUF1OXJUR1ZVMW1OWFIzT1dzOFFpT2tvVXBsb3RPMG9raEQ4anUxR3VIdlBxaWlrQ0tBRW5BM0FPMURBdHRpcG05TVkzS01nUVhXaVc0bWxYRGtON1plTVNXYlY4N19GMXFzT0s5SzNTdnBGN1BwUEd0aFd6ejYyeFdhNVRxbGxyZUh4OGFmVWNxcFk2aDRZamhaQXRuM09TSE13T3c?oc=5) · Drake University Athletics
- 2024-04-25 [Vibrant brews more business, fewer branches - OurQuadCities](https://news.google.com/rss/articles/CBMikwFBVV95cUxNWnJrdXM4ZzFFWTdGeXhUdVUwbTlOTEdWLUxEdEktUmlKN1dHbDhjZkZna2ppRlcwaVNLUHNIeFFRNnpmTms5Uk5iNGFrX3dPelU1eGZ2M1lmZ1k3cGhwclNKb2dRQ2JnRDRyMDE5YkFubFh6S0JnaWFPcU1VcVdRRDlmVUNQb0ZyYmY2UzhZYVl0RDDSAZgBQVVfeXFMUE5YczhsV0daclA3Sk50SVl1LWppV2hpQWJxU3Y5cjdrdk1HMjdVUmhRUkxlbTVzQl9FaXF6ZnZQWW5iMmRZa0ZyNXZMb041dUhBV3ZNeXhtaVJsZUNfRGdOQzhiSXN1cExSLXg5WktkSFk2eTJ3M0NfS0E0WU03RE1ZRUZReXJKOTItbE1ONHljeWUzNldKRS0?oc=5) · OurQuadCities
- 2023-05-01 [Hilltop Campus Village appoints new executive director - KWQC](https://news.google.com/rss/articles/CBMikAFBVV95cUxPSElqaGtSWFBKQWVlaUk2Rjk4M2gyeThyREVHaFdpQXJ1RVRKcHdoVVR6aUdfN0ZaWXdXUDNEWVctVFdYTUVLbGVtZGpFcDJQRGtPSzVGLWtsN21YVTdzNTF3Z0x6Tmc2elJTZUtFY1RjUUowSHdJdEFhZmswRzRfeWpvdlNnczA5SHZRdnJTU0HSAaQBQVVfeXFMTVNLSTg1Q19HRG1kdDgyNnN0cEZPU3NmR1U3WVIxVXg4UkpCWWRnUGppME9nNGs2VkV5M2s2N3o5Wm9DWlZITjE2TjVsX0YtLVJId2trZk5jZVVGN25ILUNsc1BSTTNuYUczcFJOUlJvYkp4cFZfYmduY2g2Rk5XTWhzV2drT1ZZeXhUMHRZSUJpVXpYYXJXN1pKSWF5M0J1RXczTVg?oc=5) · KWQC
- 2023-05-06 [Shawn Mcneely Obituary Oct 21, 2021 - McGinnis-Chambers Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE9rNFAzT19lcWJ2Ymx5TmdkdTdHUHNjZTFFSVk5ckpLTS03d1N4NHcxdzZlM2w5QUd0ZUV0RDhoLVdXQjd2XzRwVW5QSGhsOFJ0a3BpSS1hb3lDVjVFMW9JZlpEOThlQ2tyQ3c?oc=5) · McGinnis-Chambers Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64308 (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/52.json (key "64308", 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=64308
- 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