# SIUE
Edwardsville, IL · NCUA charter 65046 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/siue-65046

Who the members are: state charter, organized 1959. 1,633 members of 525,000 potential (0.3% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 7528.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $30.0M |
| Members | 1,633 (-2.6% YoY) |
| Full-time staff | 6 |
| Net worth | $3.2M |
| Net worth ratio | 10.6% (p20 of band) |
| ROA (annualized) | 0.56% (p49 of band) |
| Total delinquency | 0.30% (p36 of band) |
| Net charge-offs (annualized) | 0.19% (p64 of band) |
| Loans / shares | 45% (p31 of band) |
| Cash / assets | 47.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.08% (p58 of band) |
| Operating expense / assets | 3.87% (p56 of band) |
| Vehicles % of loans | 73% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 83% (p96 of band) |
| Vehicle delinquency | 0.25% (p41 of band) |
| Vehicle NCO | 0.48% (p80 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 3% |
| Average share balance | $9,987 |
| Participations bought / yr | $1.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $2.6M |
| Loans outstanding per 100 members | 7528% |
| Loans granted per 100 members, annualized | 2784% |
| Average loan balance | $98 |
| Loans granted, annualized | $6.4M |

## Participation posture (from the same filings)

Bought $1.5M and sold $0 in the latest annualized quarter; $2.6M outstanding purchased (81.9% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 3.3% year over year.

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 1 |  | delinquency 2x band |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | delinquency rising |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 | members leaving | delinquency rising |
| 2018-09 | 3 | assets shrinking |  |
| 2018-12 | 2 |  | assets shrinking |
| 2019-03 | 4 | delinquency 2x band, delinquency rising |  |
| 2019-06 | 2 |  | members leaving, delinquency 2x band |
| 2019-09 | 1 |  | thin capital |
| 2019-12 | 2 | thin capital |  |
| 2020-03 | 0 |  | delinquency rising, thin capital |
| 2020-06 | 1 | thin capital |  |
| 2020-09 | 4 | net worth falling, margin squeeze, auto monoline |  |
| 2020-12 | 5 | loan book shrinking |  |
| 2021-03 | 6 | delinquency 2x band |  |
| 2021-06 | 5 | members leaving | net worth falling, loan book shrinking |
| 2021-09 | 5 | delinquency rising | members leaving |
| 2021-12 | 5 | members leaving | delinquency rising |
| 2022-03 | 5 | 3rd-party paper>100% NW | margin squeeze |
| 2022-06 | 4 |  | members leaving |
| 2022-09 | 3 |  | delinquency 2x band |
| 2022-12 | 5 | assets shrinking, members leaving |  |
| 2023-03 | 3 |  | 3rd-party paper>100% NW, assets shrinking |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 | assets shrinking | members leaving |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 3 | delinquency rising, assets shrinking | thin capital |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 2 | delinquency rising | assets shrinking |
| 2025-03 | 2 | 3rd-party paper>100% NW | delinquency rising |
| 2025-06 | 2 | members leaving | 3rd-party paper>100% NW |
| 2025-09 | 1 |  | members leaving |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-07-28 [SIUE Athletics, First Community Credit Union Announce Groundbreaking Partnership Expansion - siuecougars.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQb2VPVWh4dlVITHNxR2ZJRHN3Y1Q3aVktTUlPdnQ1RExBMXhsc3Q4RE1adFZVMjNtdUs3M1ZQOEhxZTZ3MFpwblA0Z3I5Q19VOUtBNmdqYVhJa29wTDhZZlRNd3ZwQ1RaeGFWMHpMdF9LSFc3WndGRm1wR245eFBIdGpWc2s3UUlhLWVmRzJpTlNmM1VxUHY1bTNlNUt2UUpqZWkzdUZqcVBCRlBnVGR3a0JYUGJSRUVNZk5SdXh1bFdLUWttY2E1bVZDRzh6ZGlLdlV5bDVicTk?oc=5) · siuecougars.com
- 2026-07-29 [First Community Credit Union becomes SIUE's uniform sponsor - Yahoo Sports](https://news.google.com/rss/articles/CBMijgFBVV95cUxNX1Y4T0ZVZFY4OHAzM0N6UW5Rak9HNFlOaGJVeTE2NWI4VVBfcFc5MXk1cDc5OEdpZmNKM3pMMGQ5QnR1NzQyMEhIRUg2TkRLT0dhY0lzQlB3aWVDMFFTME8ydE1JOF9rNGRBdnNIa0RkV01BLVdsb285dmVSVVVpLU9uOGtKcWJnUUZJU2JR?oc=5) · Yahoo Sports
- 2026-07-29 [SIUE to add First Community Credit Union ads to jerseys - FOX 2](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPQy1XV2JVXzJjS09qN3VQdzdoclpza1Q3STlIempyZXc4NkE1S0NJR0l1YXpmZFg5NTNZS181MmEzN0tYdDA3TV91YmJfOGxMbFBXc0JkRUdzbk52VzVidjc1Vlp1Z3cxbjNFZTVYdTVoZGlOaWtGQkFUYmZ4OWhGei1VQXhPNUUxMkRN0gGQAUFVX3lxTE9lT0NPLTlDN2ZhVjJ2RHEyNjZUOG9CZGV6MlpxZHVtWmNGRjBTbGhpeFc0YjJyUzJDM0RENU9OeGx1bWNjSkdYVjVZcjJFSktscC0yTnloX0lyaHZmemV2QVJkRjQ1aEVPa3ZleGpTOGNkU3BXQWFpMmVqX0ZaWk50Z2w5a0xWWXVnVFpPeVNCVA?oc=5) · FOX 2
- 2026-03-17 [Your Illinois News Radar » Credit Unions: A True Part Of The Community - Capitol Fax.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQS1ZCSl9uR1FBQ3lkM0V6OTRBWHFUVkJYZmlXX0ZwTnhqbnczZWtURTlQb01yZnYwM3d0cVZ6WlNpREFqNzk4MEktSUVPUjFxOHItc2pYZkJfUmZ3SkxtRnlMSTZGRGtYZlIwRDlYS1NtOVV1bUFMdjJtekpmbHQ4Vnp1Zw?oc=5) · Capitol Fax.com
- 2026-07-30 [Eight SIUE teams will add FCCU branding to uniforms - theintelligencer.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPdjQ2ZjhKbzRDQURwTzJqWl93NDBHcUQyZGVrTHNHVG1nVlNJU2xMdnFTbWdTd2hBdTdfRm9zRGhlaV9peUFHeDBOUWpqUy1TeHVsdlVNclJ5aGo2QzlKX29rTVgtdVFzRTNJOVUyY09vdHMwUVJIXzVtczhPTnBtb2ZfbVpKcGFiSjRYenlwQVpJaElFY0JR?oc=5) · theintelligencer.com
- 2026-07-30 [SIUE to add First Community Credit Union ads to jerseys - FOX 2](https://news.google.com/rss/articles/CBMilgFBVV95cUxNeU9EY09mU3B1ZU92SU9HbTBNLTZDeWR5QS1KekNWQnR4N0NEbHBWcjltV2J4SG1WQUFGcTFyRDN0LTZScEtrOVZOYXJBNzVYdkpoZmdNRE5Ed2pMV05WNWJYMG9kbl9rVng1V0ZTWVlYeFQ2d1ZFQjV4MFhXV0dYRWw3V25lRENmeGtXSGdMZjJna29nUmc?oc=5) · FOX 2
- 2022-07-13 [Kathy McKinnon, President/CEO of SIUE Credit Union, Will Be Retiring After 38 Years of Service - RiverBender.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNMGlUWE9uY0xDM3haVXVzaUFFaTY0YXdXZVJpcXVQSkFqcm5oSEpmbjZSNzVkay1VdldvN2p6Z19sejZmcEFTZ3Jzb2NIMWpQQ0djVHlnbGlYNU45Qk5tRFFScVFvUzZoWVBHeS1sSmgycXpxYXRGQ0hQQmtlLW5MSG8zVEU4UHZoaDVBTHlodlRsaE1tSGU0b21PalVzUTQyYXUySW8tUjVEVGlHeWQxT3BHVENYemNEcEVwamFacDhickJUYWRadFVxODlyRjBRNDhQdG1oU29sdw?oc=5) · RiverBender.com
- 2026-08-27 [St. Louis Character: SIUE professor co-founds multicultural soccer club while mentoring young players - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQSlVrYVJEQTFIQVVPVXVCUVJZY1l6U25nRkVDTkNKZTVSbFI4aldGQ3d6MXkxZG55VUQ2M0ItTko1WGU0cHk5SFJLal9SUmVDOG9IaU1uQ1pVVlFHZFE1aThTTTBMTWZGVWdrU05LYnUwM2h6aTNjYlZuMUJNZDBDRTdDT0dpVXpkakY1WXh1OWk3WS1wSGFmZHFnYmdKNkUya2VvLXd3?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65046 (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 "65046", 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=65046
- 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