# WARREN
Waterloo, IA · NCUA charter 64790 · asset band <$50M · latest filing 2022-12 · stopped filing after 2022-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/warren-64790

Who the members are: state charter, organized 1959. 780 members of 1,200 potential (65.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 13.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $4.2M |
| Members | 780 (-6.5% YoY) |
| Full-time staff | 1 |
| Net worth | $659,385 |
| Net worth ratio | 15.5% (p68 of band) |
| ROA (annualized) | 0.42% (p60 of band) |
| Total delinquency | 5.30% (p95 of band) |
| Net charge-offs (annualized) | 0.49% (p81 of band) |
| Loans / shares | 55% (p51 of band) |
| Cash / assets | 3.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.78% (p85 of band) |
| Operating expense / assets | 3.86% (p74 of band) |
| Vehicles % of loans | 29% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p42 of band) |
| Vehicle delinquency | 0.00% (p17 of band) |
| Vehicle NCO | 0.00% (p27 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $4,539 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 13% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $19,952 |
| Loans granted, annualized | $966,295 |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 0 |  | delinquency 2x band |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | delinquency 2x band |  |
| 2017-03 | 0 |  | delinquency 2x band |
| 2017-06 | 2 | net worth falling, loan book shrinking |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 | delinquency 2x band | loan book shrinking |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 1 |  | delinquency 2x band |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 2 | delinquency 2x band, assets shrinking |  |
| 2019-03 | 3 | charge-offs p90, loan book shrinking | assets shrinking |
| 2019-06 | 4 | delinquency rising, assets shrinking | loan book shrinking |
| 2019-09 | 3 |  | assets shrinking |
| 2019-12 | 2 | assets shrinking | delinquency 2x band, delinquency rising |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | net worth falling | assets shrinking |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | delinquency rising |  |
| 2021-03 | 1 |  | charge-offs p90, delinquency rising |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 1 | delinquency 2x band |  |
| 2021-12 | 2 | net worth falling, charge-offs p90 | delinquency 2x band |
| 2022-03 | 3 | delinquency 2x band, delinquency rising | charge-offs p90 |
| 2022-06 | 1 |  | delinquency 2x band, delinquency rising |
| 2022-09 | 2 | delinquency 2x band, delinquency rising | net worth falling |
| 2022-12 | 4 | assets shrinking, members leaving |  |

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

- 2026-05-27 [Iowa students win $48K in Warren A. Morrow scholarships - kimt.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQenpZLTN6ZWlKN3lyRzg3azRyclFPc2E1aTBmNkRUaGlsLVE4VmFkRXlpNGY4OEo2VU5wRVhGNkZ1OFdzNkVRd2tKUmJoRkVwUlM4VFNjN2M4N1IyNDdiVXlQbFpjZ0ZpNmw3cDNiZnk4ZVhUakdleDZSQmtRT190S1lPVW5QUEt2c1lPOWh2MF9lWjM4cVZ6Yi11bnpPWEVuMUFsSjh6ZzdXY3pfaXhYYWlQemcxT2g3cDVvUlVxNG5VX2kzOTJabg?oc=5) · kimt.com
- 2025-12-17 [2026 Credit Union 1 MVC Women's Basketball Tournament All-Session Tickets on Sale Friday - Missouri Valley Conference](https://news.google.com/rss/articles/CBMiywFBVV95cUxQbzBnZWdtY2xiajdoZDZWSmQ1SHh1NVVKZmdLRnhTTnc4ZFdkSzhFbl9WcXMtUGZTYkk2Tk83TzZITXJWb2VrSW1JQkNjZ2YyMHl2Y3gxclFvaEtZckZvZE1ZUHV1c0h5QmtpRWE3aDhOaXI2alduc3dXQzdjUjcxcXhEWG5HVmN2TlJMN0dTQ3g0VWR3Z1pSc3dtVmh5V0dHODd1NzJsbEd1Q2xMNTVkckhyTDJTN3NSSXo3dGktRXdaa1FXVV96Q0VlYw?oc=5) · Missouri Valley Conference
- 2026-04-01 [Official rules for The Family Credit Union Financial Literacy Month Coloring Sweepstakes - WQAD](https://news.google.com/rss/articles/CBMinAJBVV95cUxNYVNMSHdOcXR4UHZvTWgzWGdla21CUDA2ejBydzB5Y05pa0JDYWxPUXV0ZVJGMGVuekJOelZVcE5pSnhxeVV0X0RBNkM1OVpqVmhWNG1ya05seE5TaGpLTzRYWTR3dXRQaTUtNWlZVjRHbkhFNGRQTHB1S3pReFo1eU84ZDNOdnRWOXp2WTRFWnREcURRY2trMGtHb0tGd0FZLUxQQXZCbVI2djROR2VPbEFSR0FmNDllcmZTOEVRZUw0U2VaOFJNcks0NktQMHFKRTI0T2VqU0EyQ0p2MUl4VWJadmJPWlc1NEM5TG9zT2FqNUMybjljdDFreGdKTWxEZktqZUV5cUZINlM0Ni1pVEJhVjlzOER0VEQ2dw?oc=5) · WQAD
- 2026-08-22 [Warren Haynes Setlists 2003 - JamBase](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE83am43aVZVTlBma0FRX0Y2TXh2cTU2VWdUbnhPSDB2RjVfay1JTHhlNUI0MHFKY3dHdWF1dlZvcEc1ckNGTE8xbUtSQ1REeWoyWVMwY3h3M1BkVGtmSk1EWVgzclFRYUU?oc=5) · JamBase
- 2021-11-18 [2021 Crystal Performance Awards Show Pandemic Resilience Among Credit Unions - Fiserv](https://news.google.com/rss/articles/CBMixAFBVV95cUxNX3pLYXJNeWI0ck0wTnJNcElTbVU2ZzB1VF9zVEJ5YlFKelQ1dE84VE1nU2ZydXU0Y3ZVZENybXpFQjNSY3VKN2RHODE1OXl1dDRzUUNzQmo3N1diNWR4YnFILXlhWE1jcVJ4N3cwWGh5bWNBQkRmNVJHaWttSHYwMkIyUUFNTTlPUUFWc3RhLVRvaHF1VkQ5UFVxVGZtUWJEd0lXNUJQbXhDYnpKRXZqVnVMSnVieEM5NkowRTZXRjU2NVdW?oc=5) · Fiserv
- 2025-06-20 [Warren, Waters probe NCUA chair on Trump firings - Banking Dive](https://news.google.com/rss/articles/CBMixAFBVV95cUxNNHFiYVQ4WGdPWFE3SjFHUEJlVXo5eDl2UGg0TXR1X1hhVjJJU01IU2ZRaXo4UDhCVVVkZmkxQnVXZEZRMHhOLW04NTgyYldjTUdhd2ZFZTg4YXNSNDZOc2FMVjFYUlhmamIya2ZVQkVGcUZIdldwUHJnSjBTVGxNNkRrYmdCbC1YRHBCMjBVaFVJcUE4ZFZjc2xneng0dFdBdGZKS1NHN2tzU3dzdXc5VzdzYjN2VjR6R1VvVVFpczhtNWNi?oc=5) · Banking Dive
- 2025-02-10 [Ranking Member Maxine Waters Announces Passage of Six Bipartisan Bills to Support Veteran Housing, Strengthen Small Businesses and Improve Credit Union Governance - U.S. House Committee on Financial Services Democrats (.gov)](https://news.google.com/rss/articles/CBMikgFBVV95cUxNTXpSb0ZUSTVoQWVteEtvWTV4LUpqbEJiZUtpdW9XUHJJdy1za0I5QTVLMHE5MVlLVDg2MzJlS0I5VVg2UGN1eUNoYkVIaXFlOXlGU0hJZVF2ZUdSSGRsSlVwZkNzNmpBWWx2Z3lzbGNoaGFpVHVCTkJKVENoSmNsNDNYeEJGNWJtd3ZSR1BPQ2xTUQ?oc=5) · U.S. House Committee on Financial Services Democrats (.gov)
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64790 (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/22.json (key "64790", 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=64790
- 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