# COMMUNITY CHOICE
Farmington Hill, MI · NCUA charter 64880 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-choice-64880

Who the members are: state charter, organized 1935, low-income designated. 115,119 members of 10,140,459 potential (1.1% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.07B |
| Members | 115,119 (0.2% YoY) |
| Full-time staff | 364 |
| Net worth | $194.3M |
| Net worth ratio | 9.4% (p20 of band) |
| ROA (annualized) | 1.40% (p90 of band) |
| Total delinquency | 0.81% (p70 of band) |
| Net charge-offs (annualized) | 0.72% (p68 of band) |
| Loans / shares | 87% (p53 of band) |
| Cash / assets | 7.3% |
| Borrowings / assets | 3.62% |
| Net interest margin | 4.03% (p91 of band) |
| Operating expense / assets | 4.26% (p90 of band) |
| Vehicles % of loans | 26% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 71% |
| Third-party paper % of net worth | 356% (p92 of band) |
| Vehicle delinquency | 1.25% (p86 of band) |
| Vehicle NCO | 1.43% (p71 of band) |
| Repossessed % of vehicle book | 0.29% (p90 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 247% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 23% |
| Average share balance | $7,375 |
| Participations bought / yr | $28.7M |
| Participations sold / yr | $65.4M |
| Participations outstanding | $87.2M |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $22,577 |
| Loans granted, annualized | $430.4M |

## Participation posture (from the same filings)

Bought $28.7M and sold $65.4M in the latest annualized quarter; $87.2M outstanding purchased (44.9% of net worth), $174.6M sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 13.5% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, 3rd-party paper>100% NW |  |
| 2016-06 | 2 | thin capital | expense trap |
| 2016-09 | 5 | net worth falling, loans>95% of shares, leaning on borrowings |  |
| 2016-12 | 3 |  | net worth falling, leaning on borrowings |
| 2017-03 | 2 |  | loans>95% of shares |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | expense trap | thin capital |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | loans>95% of shares |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | loans>95% of shares |
| 2019-06 | 3 | loans>95% of shares |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 1 |  | expense trap, loans>95% of shares |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 5 | thin capital, net worth falling, expense trap |  |
| 2021-06 | 2 |  | margin squeeze, net worth falling, expense trap |
| 2021-09 | 1 |  | thin capital |
| 2021-12 | 2 | expense trap |  |
| 2022-03 | 1 |  | expense trap |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | expense trap |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 4 | delinquency rising, members leaving |  |
| 2023-09 | 4 | leaning on borrowings | members leaving |
| 2023-12 | 3 |  | delinquency rising |
| 2024-03 | 4 | net worth falling |  |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | loans>95% of shares |  |
| 2025-03 | 3 |  | loans>95% of shares |
| 2025-06 | 4 | net worth falling |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 2 |  | leaning on borrowings, net worth falling |
| 2026-03 | 3 | delinquency rising |  |

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

- 2026-06-24 [At 23 Community Choice Credit Union locations, free food from food trucks will be doled out on Thursday while supplies last. See link below ⬇️ 📸 Provided by Savvy Sliders - facebook.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPSHVlNVJiTUlZOW1oX2dkbzZqbHEybjduWWVpYlBFVmVrY2h0VjVLb1B1RkN2RGdQSkhXemlYdmpiSkZQVG1JYWdGREl5TlJfNTJrazJWcWcweC01Q2xHS3pjSm01SEh6bVotOV9Cb1p6SWp3ajNxTEFBMnNKTmVRbnVZMjZiYkhhZ2dDRlVYcXVUaFZIdVd0YWlJY2NKa2laTXU5QlBheEZ0dm5BZk5oZ1dlOXpCeFpiYW1zZXVYaExmbERVRVBJc1AtMndYdmhDejA3bU9HR0JoSGVISnRN?oc=5) · facebook.com
- 2020-08-26 [Community Choice CU to absorb Michigan Community CU - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxPRHJUV3FOQnI4SkdjZ1FnMXh3TVRwUF9mNXI2bTdrNDhISE1PMXNUT2JPTEM2QzJlWkRFal9CeS04SWNKX050YmR4RTlHcHdKNS12OUVEUktDanUzQWkxRTVjYWpJcUxoYjdQWjVnTm83am5GWE9jWW9zQVdlZEdGUFpaV01Ud09FbEpQYlF3eTlHUWktejN6X0wzcE5xb3B1M1E?oc=5) · American Banker
- 2019-10-15 [Credit union giving away money at ATMs in W MI - WOODTV.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOX3RuclgtaHR2X3lPVmo0bTc4SFQtQ0ZrNzJwVUFyZVAzRXB0cnRPZFNaMUpJU3IzOUxLYnFnN1k2NWtib3pRaERTZk1VNE41dkREOHY4d2o0TzVmM0hkbHp4Z21IUGJIMTgyb0ZpWTJqclJDRGc2dFRzRmRZX3hwaE9UdWxvTDBIQ203U1ZvRDVmOEszbkN2bFlkV2ZGNGc?oc=5) · WOODTV.com
- 2024-01-26 [Community Choice Credit Union accepting applicants for $100K Scholarship Program - FOX 17 West Michigan News](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQcVBYUkpEdWVUMEpKekFLaENPSXZvYXRmYlNzWHd2eUh1TzA3VE5BM3NCdENzWldwYVlJMl9YMFNiUy1BVEw5bnlORFdVQzI5ZTVtZ1RMbUxvUXZkLTlfTGMtc0VsVDl4S1VrTjVkOW1GeV9SVFhfQW9ESjFnR2dVelNQSVRveHl0bkFsUG1UZjh1aTh3OFgxZmtZTmd0dzkyN3FvUDlTLVNIcnhBVjU2d1Awdm1LWEtzU1Aw?oc=5) · FOX 17 West Michigan News
- 2022-07-30 [New board appointments: Jessica Hillborg appointed Board Chair; Heather Luciani and Kelli Wisner-Frank added - CUInsight](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQMzBUTE13bzlqVWVtSHJXSHdjQmRGcmViMW5IWGdlWUFRN3NvUTFsdmM0ZmVLaTVpMm9ibmV5UzdJTzhZTFBlaklkcEw3NlhrSVFzOFVkckgwWHNacUduR1dodnBlQ0xYdnJsbUNJYXJ6dlhjZEJkMFVaa3dzeUtIckhnT0VzQjFVSmNyRWJOUjZBVWhZek5MaTJiTkI5eVlGNXFYMDJsdDEtWTVzWlFEUmktZFpoRUNvbTMtVTc2Q2JST2xBVFRNdWJlVk9FX3h3ZVJQakJGLWRYdk1lTTRxLQ?oc=5) · CUInsight
- 2023-03-29 [2 suspects charged in 3 Metro Detroit bank robberies using paycheck stubs for notes - FOX 2 Detroit](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNOWx2WDNaZkJULS01SnZZWlZfWklNd2pHc0pvV0FXX3F4RHhKOHg3OGI0QTV3azBHclgtVVZsM0VUd0ZJZUhhNG5tM0lWWF9YclB6Z3hzNVJZZGJPQ0Y1WDZ1WEZrODJHUGVhaEo3ZHZrR1p5aTBJTGFVYnRySlgwUm04a3AtOEEyRmc2NmZ6clRsQjlYeThTdGtuUFNMNngtbXF5X2JJWUdPQQ?oc=5) · FOX 2 Detroit
- 2016-01-11 [Scholarships offered for pledge to stay in Michigan - Observer and Eccentric Newspapers](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQVWxtQXA2TFIyV1oyb3drZGJQbWxDbFRyd3hRTGp3NF9ZUVBqcXpmSzZsMGFUY0YteWRjRHozMnJNeF9xRTBabXA5R1NJYWY4V3UwMmRQTk1iSDV0MFU2UXdzQVBRMXg1dVNaU3c1U2RreExERUxidi1wZ0hYVEhsQmxCaTU4VnJkTWNnVW9yaGR3c3I1aHhLMzl6NEgzOGZmVXVNam9xZjBDcjJySndQcjlGTDFQVWw1?oc=5) · Observer and Eccentric Newspapers
- 2023-11-20 [Here’s where you can get a free turkey or a meal for Thanksgiving in Jackson County - MLive.com](https://news.google.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?oc=5) · MLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64880 (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/48.json (key "64880", 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=64880
- 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