# ILLINOIS STATE
Normal, IL · NCUA charter 64920 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/illinois-state-64920

Who the members are: state charter, organized 1960, low-income designated. 18,449 members of 685,085 potential (2.7% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 67.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $252.6M |
| Members | 18,449 (4.4% YoY) |
| Full-time staff | 61 |
| Net worth | $26.1M |
| Net worth ratio | 10.3% (p35 of band) |
| ROA (annualized) | 1.00% (p72 of band) |
| Total delinquency | 0.46% (p38 of band) |
| Net charge-offs (annualized) | 0.44% (p54 of band) |
| Loans / shares | 84% (p76 of band) |
| Cash / assets | 19.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.81% (p97 of band) |
| Operating expense / assets | 4.53% (p84 of band) |
| Vehicles % of loans | 49% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 59% |
| Third-party paper % of net worth | 206% (p81 of band) |
| Vehicle delinquency | 0.63% (p55 of band) |
| Vehicle NCO | 0.62% (p50 of band) |
| Repossessed % of vehicle book | 0.04% (p60 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 26% |
| Average share balance | $5,205 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $23,230 |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 48% |
| Average loan balance | $15,147 |
| Loans granted, annualized | $107.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $23,230 outstanding purchased (0.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 8.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  | thin capital |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | charge-offs p90 |
| 2017-03 | 3 | thin capital, net worth falling |  |
| 2017-06 | 1 |  | thin capital, net worth falling |
| 2017-09 | 2 | members leaving |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | thin capital |  |
| 2018-06 | 1 |  | members leaving, thin capital |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | net worth falling, charge-offs p90 |  |
| 2020-06 | 3 | margin squeeze | charge-offs p90 |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2021-03 | 2 | net worth falling | margin squeeze, delinquency 2x band, delinquency rising |
| 2021-06 | 2 | charge-offs p90 | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | delinquency 2x band, delinquency rising | charge-offs p90 |
| 2022-06 | 1 |  | delinquency 2x band, delinquency rising |
| 2022-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2022-12 | 3 | charge-offs p90 | delinquency 2x band |
| 2023-03 | 3 | delinquency 2x band | delinquency rising |
| 2023-06 | 2 |  | delinquency 2x band |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | charge-offs p90 |
| 2024-06 | 3 | net worth falling, charge-offs p90 |  |
| 2024-09 | 3 | delinquency rising | net worth falling |
| 2024-12 | 1 |  | charge-offs p90, delinquency rising |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-04-29 [Redbird Stars Honored At Reggie Awards Banquet Wednesday Night - Illinois State University Athletics - Illinois State University Athletics](https://news.google.com/rss/articles/CBMiswFBVV95cUxQRWxzNTIwcFRTZXh3UUoyeXB0VFIyMnMtNlgyc3VvTGlnZ1JqVXYxM3BTeEhGWVphMjIxQzVWWWpwU3F1MHE5WXdicHVaVjcwSzJWN1dwWk5PUml0dkUzVXZCbi1QSHhRWUtpOFl5Y3IzU0k2VnZzdXktWHpmQmNZNDcyeDFCd0FscWJxZnBDV2NFelJCSVhmaUhhSXJlcUZBWkN3aHBxa0tQTHRvOXR2VkEyUQ?oc=5) · Illinois State University Athletics
- 2026-04-27 [Federal agency casts further uncertainty on Illinois’ credit card ‘swipe fee’ law - Capitol News Illinois](https://news.google.com/rss/articles/CBMitwFBVV95cUxNQ0t2NTJySk10SWFKOS1KVFZfdVJRN2ZLZmhHNkpYWjdaTkNiWXc1aUw3cVZKQWx5eERHeGJjRS1xVkg1N3NlSmItNHZRSXlXYVVZNk9za2FHc2pOa3RmOGllNlVFMndGY1l5dVZMZFdjcE1tTjZLdEQwQWxoUlg4Z1EyUEdYUGhtSVRPVUR4cmwxRDNUdmR6WEgtRE5Hby1fcmpXbTVvR2tmZl9EM2xiaDNQZW1yVDQ?oc=5) · Capitol News Illinois
- 2026-04-28 [Federal government intervenes to block Illinois’ landmark credit card swipe fee as lawmakers weigh options - Chicago Tribune](https://news.google.com/rss/articles/CBMikAFBVV95cUxQZzd3cURWaG95LWNxWHZET2xaeEc4d0VfeXdLM0hLdkpXR2ctRWNIQmREaWpTY0ROR1p3U3N1WUwzaWtITW00RUlPZ19VSkgwTXBVMW1MU3hFS2ZKb0dMbEl3V3NmNVlNdmRZb0M4ZHdCTXA2bVBUOWd6V2wtUm1vWGdLVGJPbC0wb0Q2M3d5c3I?oc=5) · Chicago Tribune
- 2026-07-04 [Nancy Barry Obituary - Chatham, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5BRFFlWWF2bllLdEdRZTdfY2pYeWN0Tm96NmR2TFhlbXNUUjJVblA5b3Y4d0tyVWt1a1pQaGtKdjVHZUxSWEZDaklYN1NYUzFlMkNKWVpKTnVJTXBncUpHYmdDVTRaS2ZkOWlxekpCVnY1YmtwbjZfNDAwT2k0b3M?oc=5) · Dignity Memorial
- 2026-04-15 [‘Credit card chaos’? Financial institutions bet big on repeal of first-of-its-kind Illinois law - Capitol News Illinois](https://news.google.com/rss/articles/CBMiygFBVV95cUxPanhOeGZrSzVyM3oyd0NtVzNHeWwyNWYwTVVxM1Q2cjlLQnotMnpwcHBqX3doaDF2NzNWVGdPbGo2aVI5MjhsWHpHQ05mZEV3Y1lGUFpsZmJiTmw2LUsyWmdNQnljRklXSHRqUzA4WjN2RFgwLVRGcUxFU3hLWDZEazA3WUxCVnhGVWdIVk0tQjhwdDdKblZJLWMwdTBiQ2tpTTR2Vzg0WW5EX2ZFUWV0Q3V2bExQUHN0UFVWY3RjbnVmdjFQUk84SVB3?oc=5) · Capitol News Illinois
- 2024-08-20 [Bank and Credit Union Industry Groups Challenge Illinois Interchange Fee Prohibition Act as Unlawful and Urge the Court to Stop the Operational Havoc - consumerfinancemonitor.com](https://news.google.com/rss/articles/CBMipwJBVV95cUxQN1dDYWJoMWFNS0ZOUV9BUTZ1bm1Ed21OT3k5TmNMck5tXy1ZZjNxZFFLMHJmSzYydVJ1UHJHVUVlTWNReG84Skc3QlNVU2plNF9NZWljM1BDYzlraFJxWDlyOGFvZFBudjhUVUYwSGJBbTdoOU15NmV4U1Y2SnlCV2dKWUVzU0RyLU1xMUFuYi1ueUlWdzNBVFFMbVQycFZjRWc5OGcxS3JBQU9saFhJa0NMcXFWaWdZbmw1REFFamYxd1ZSbFUzd1FfQlpycEVfdUhqWHdhUDBlLTBUZWdJdW52SWJ4aXlIamVkVTFRTmthTHV0ZzFnQnZwb3Fna05zY3N6R2c1VFFscFZWSExlYVJYaElibFJ0d0FjbHd3dXVQbG12dkdB?oc=5) · consumerfinancemonitor.com
- 2024-06-17 [Illinois Legislature Provides A Roadmap For Progress With Its State-Level Community Reinvestment Act - National Community Reinvestment Coalition (NCRC)](https://news.google.com/rss/articles/CBMiugFBVV95cUxOaTNlbnB1QV9GNUNkWjRSLS1BVjQ0N1hiV2d4dGNDNTQzYnVJb0JWdVVsWWo2QldOVUZoQU84aDk0Z3NIWVdldUZJWlF6U2F2ZmxfSUV1UkVKdWNONTA3NnNlX2x2eHBKd0ZrZHQySVUxdTh2MFhzYm1rMU5KY1ZWdGNpSS1FR0ZVeFA5T09nUTFQendWZXJWVmtPX0pVWDRkQXVJTVd1SFlGRUJpM0x2U3ZYdnY3cFFZSkE?oc=5) · National Community Reinvestment Coalition (NCRC)
- 2026-03-10 [Redbird women’s basketball ready to ‘surprise’ at conference tournament - Illinois State University News](https://news.google.com/rss/articles/CBMirAFBVV95cUxQQXF5TDhHSG40dkh1ekVVRjJ4bXNDZ2JLdkZVTTVXdVU3UnBSenJNcTFWRksxLWpIMGY3REJhR2Jkb0RjQjdGb3RNNTJZbjRiVDJkWl90VmEtMVBOU2NFbTRVYkM2WnMzeExfR2NQaWNIcXExUWVFWURPVmlScER2aDBwaEtxQmd5NDM5ME5hWVNkVVJlUHdFaTQ1cTJ5RnZPUG5YVmZlTE9iZE9H?oc=5) · Illinois State University News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64920 (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/24.json (key "64920", 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=64920
- 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