# AIM
Dubuque, IA · NCUA charter 64886 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/aim-64886

Who the members are: state charter, organized 1933. 14,204 members of 100,000 potential (14.2% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $199.1M |
| Members | 14,204 (-0.3% YoY) |
| Full-time staff | 25 |
| Net worth | $25.8M |
| Net worth ratio | 13.0% (p66 of band) |
| ROA (annualized) | 0.98% (p68 of band) |
| Total delinquency | 0.68% (p54 of band) |
| Net charge-offs (annualized) | 0.21% (p35 of band) |
| Loans / shares | 75% (p61 of band) |
| Cash / assets | 25.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.37% (p32 of band) |
| Operating expense / assets | 3.05% (p28 of band) |
| Vehicles % of loans | 25% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 1% (p36 of band) |
| Vehicle delinquency | 0.69% (p57 of band) |
| Vehicle NCO | 0.73% (p63 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 22% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 25% |
| Average share balance | $6,375 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $7.4M |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $18,306 |
| Loans granted, annualized | $40.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $7.4M outstanding purchased (28.6% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 2.6% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 1 | delinquency rising |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | delinquency rising |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2023-03 | 1 |  | delinquency 2x band |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | delinquency rising |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-06-22 [Former Iowa CU Loan Officer Admits to Bankruptcy Fraud, Aggravated ID Theft - CUTimes](https://news.google.com/rss/articles/CBMirwFBVV95cUxQdlJaYlh0N3lCMWhiUEZ0Nks2RzA0R0d3R2VkdFI1OWo2UWFnczZ0ODJ3cXQ1UC1EeVBNaFZZTi14dXRQMV9CenB1UmQ0Sm16WTV1OElPRUQ5cUxzNnZQdFdXc3VTUE5rbDFHT2tYQ2U0Q0RFYlNianZPWjYyVDJrS2lIUllaRkt3OVFUUnd0a1M3QWp3ejdYelIzVU5RRzFvS2dDbjdIeHNrTlVSRHVZ?oc=5) · CUTimes
- 2026-07-30 [Rox Fall Short 4-3 To Loggers, Aim To Split Series Friday - St. Cloud Live](https://news.google.com/rss/articles/CBMipAFBVV95cUxPdXRjdF9vNEthdGRkaDJONkVJSlptWWpkUUhwYWJFTUpmSzBhb1pMQkJQWHg1cUlfbEp3UFpCX2U2S0Fqekt3X1JuOUxTVFM5RGNkTGhhS19MWkY3RHdLYXNsYkdEU0FtVkxWblNEeFYwa3pLQURRdzRuaGlNZEN0ZjlraW5lcEFrMW1zc2RPcG1tSGFWUVJMbDM4LUpQQ3NBMjFxdg?oc=5) · St. Cloud Live
- 2021-11-29 [Alliant Credit Union hopes new name will avoid confusion - WMTV 15 NEWS](https://news.google.com/rss/articles/CBMimwFBVV95cUxPaUlmQndkTXJrQW1UUjBWZXE0V01BZlk4dzJfaThoVzU5T2Vfa1pQRlF6V2tHTi00TC1KUkc5QUtITTN5SEFERTBiOVF2eGpVT09kRmM4Znd0eUplZGNfYVBDV1RuWGVUVlZ1akpISzFxWlUtTEU2RTBBWlItdnFFbE14cTlKZGtLLXNrMWVndGpoM083TjNhaFlUd9IBrwFBVV95cUxPYmxVVC15WHZORHRIcEVsN3BLazRmTnJJcU5jWGtjcURzcVZQQUpUbkJRZUNZT2pJODhBeUYtaDlOQ1JQc3hmb3ZCbGkwcmI3dzFzV1BhSE1GR0RxNFFjcU95aVB5SUZ6YzZYYWk3cTgtVnVaSlBfUXpMT2QtTWI2TU1NLVU4aEdOT0VTU0hIc0FnRzBCaVkySVpBMFFLQjdndVlmcFROajVhODUwdU13?oc=5) · WMTV 15 NEWS
- 2026-03-09 [City leaders celebrate new senior housing development, aim to add 600 units by 2028 - mynbc15.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxQRlE5TzlFeDRZc0FzVDFBc01taDhCU2RaMDdzUlVXWW1DSEtjTGFGZmFZNXRQNy1Wa3BhbEY1TjQwZVhNdVhhT1lIeFJrYnFwXzJqeWZrV1NydVU0amZHZW1Sallfd0NyeXd5RFk2YlF5clc4eUV2SEEyX081ZVE0U3lBdDRyQUlLdU85c2c4aUtTZmVNbXQwb1J6M0lzeHFlbmxVYWV1S3pON3FhYjMxc2NCUQ?oc=5) · mynbc15.com
- 2023-08-06 [Rockers Aim for Fourth Consecutive Win Over Chinooks - Northwoods League](https://news.google.com/rss/articles/CBMisAFBVV95cUxPRUV1Nm5EWjl3UHgtalAzUFlOWVk3ajBjdmRyUThKRHBmRVBvb0J1SjFEQ2llYmlaaEU2MWwtRkMtc2t2NFpkSEg1d1ZpTXVIb3MwTlZ1cEZBLXB5WnZWMkFtS1BOZ1dJZVRxVF84SmJsdHhRN0o2N19JLTRyelRGQXdEQzNLNDVPVVFEM1NXNFlUc2xBSmZPbHUyMjVtRmR1Y3UtRHhWYWJMNFJFOUdFbQ?oc=5) · Northwoods League
- 2022-04-12 [Iowa Heartlanders aim to wrap up season with a bang against Allen Americans - The Daily Iowan](https://news.google.com/rss/articles/CBMirwFBVV95cUxQYVp1aXhfNGtyUXk4dlJzS0RPMW91RzBXM1RqNThnQWNkV1BjRWxYdFZ4ZkNmZU5wc05pdFlBUks4ZFlSSjVvbDJPRmwyVS1PeWZ6blhZalIwMEFBWHNYNEVkQXRrbDlyV2tpeHkwYWxmNFFsSHBGaE1WY3I5RVR3VDhXWk0wT1E4Q3YzWEhDalZlRXQxNUl4Vm41Z0tsMVQ4aTFXdE1GYUJ6TGFIeWtV?oc=5) · The Daily Iowan
- 2025-01-13 [Michael Lund Obituary (2025) - Cedar Rapids, IA - The Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxPcTZDbktIRzBNMXU2Zm55aHNibnEzRGlrN2hPdTRSdVB2RmJlUUhFeHlESXhtd3d6eFk2dDQyNWhSaE94OFA2TW10RHQxXzZkMGtDSzNGaHVfVzZWN2VxWHc1bjFDNTNwaWJfMzJhQVZ4LVRSeVRkdkRYQ19jVW1KX09wcFVobDZmWlRZaHFlYw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64886 (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/54.json (key "64886", 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=64886
- 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