# UNITE
Cedar Falls, IA · NCUA charter 65071 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/unite-65071

Who the members are: state charter, organized 1955, low-income designated. 1,574 members of 14,000 potential (11.2% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *too clean*. 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 | $23.5M |
| Members | 1,574 (-0.4% YoY) |
| Full-time staff | 5 |
| Net worth | $2.7M |
| Net worth ratio | 11.7% (p28 of band) |
| ROA (annualized) | -1.31% (p9 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 1.33% (p89 of band) |
| Loans / shares | 48% (p36 of band) |
| Cash / assets | 17.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.41% (p31 of band) |
| Operating expense / assets | 4.35% (p67 of band) |
| Vehicles % of loans | 24% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 5.28% (p98 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 64% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 27% |
| Average share balance | $6,940 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.4M |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $19,378 |
| Loans granted, annualized | $5.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.4M outstanding purchased (51.5% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 5.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | net worth falling, delinquency 2x band |  |
| 2017-03 | 0 |  | net worth falling, delinquency 2x band |
| 2017-06 | 1 | delinquency rising |  |
| 2017-09 | 3 | net worth falling, members leaving |  |
| 2017-12 | 1 |  | delinquency rising, net worth falling |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 2 | delinquency 2x band | delinquency rising |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 1 |  | delinquency 2x band, delinquency rising |
| 2019-03 | 2 | assets shrinking |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | assets shrinking |
| 2019-12 | 2 | delinquency 2x band |  |
| 2020-03 | 3 | net worth falling, delinquency rising | members leaving |
| 2020-06 | 3 |  |  |
| 2020-09 | 1 |  | delinquency 2x band, delinquency rising |
| 2020-12 | 4 | margin squeeze, delinquency 2x band, loan book shrinking |  |
| 2021-03 | 6 | losing money, charge-offs p90 |  |
| 2021-06 | 5 |  | net worth falling |
| 2021-09 | 3 |  | delinquency 2x band, charge-offs p90 |
| 2021-12 | 5 | delinquency 2x band, members leaving |  |
| 2022-03 | 4 | charge-offs p90, assets shrinking | margin squeeze, delinquency 2x band, members leaving |
| 2022-06 | 4 |  |  |
| 2022-09 | 2 | members leaving | loan book shrinking, charge-offs p90, assets shrinking |
| 2022-12 | 4 | net worth falling, assets shrinking |  |
| 2023-03 | 4 | delinquency rising | net worth falling |
| 2023-06 | 3 | delinquency 2x band | members leaving, assets shrinking |
| 2023-09 | 4 | members leaving |  |
| 2023-12 | 4 | assets shrinking | members leaving |
| 2024-03 | 0 |  | losing money, delinquency rising, delinquency 2x band, assets shrinking |
| 2024-06 | 3 | delinquency 2x band, assets shrinking, members leaving |  |
| 2024-09 | 2 |  | members leaving |
| 2024-12 | 3 | losing money |  |
| 2025-03 | 5 | net worth falling, margin squeeze, charge-offs p90, members leaving | delinquency 2x band, assets shrinking |
| 2025-06 | 3 |  | margin squeeze, charge-offs p90 |
| 2025-09 | 0 |  | losing money, net worth falling, members leaving |
| 2025-12 | 1 | delinquency 2x band |  |
| 2026-03 | 2 | net worth falling, losing money | delinquency 2x band |

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

- 2026-09-03 [Mason City volunteers unite for Day of Caring across North Central Iowa - kimt.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOQW5ZRGhzOEtBQjk4b1p5bW1IX3IzSGI0RFFfWURuYmNsWVhqbktsMzliNHE0Q0lpLVhmdklRbW9ONDVHcjhvbERnb1lhbWZtTTNVOF9NY0l0dmh6dl92QTE3am5VbDgtbzJQOFJ6dHNIdEJ1SWFxWjRqRmNlV0JjQ3lFak4xaUYtREd5RlFuSGxRcGIwUEhSWEUzRW9BUE9fYTBHcXAwVDJRRS1pT2NBRjNXMnVydmphOWpMVHFuVXEtN1pidTVkdnpVbHdYaGhNSXVQRmhDcGVLSWtZVlY1Sw?oc=5) · kimt.com
- 2026-03-23 [TLC, Salt-N-Pepa and En Vogue unite for first co-headlining tour, 'It’s Iconic' - WZTV](https://news.google.com/rss/articles/CBMisAFBVV95cUxNSGNMaEtfSEVrMVd5dElqaGZhaDhqVXF2S3FLaEdEeUJ5ZmhBRFNNNG9iNlVHT3NSR0gyZHM3ZVJHdXJxQ2Y1ZFRiYzZUenFEd0hCMmNHaGN4eE03Z3FiX2NxNVJiLVlZWXpJbXQ4V3haUGdyY09uUVY0Z1ZKbnphVW5vcFhGbmFOQ05XakVveDd2MTlaeGwxbjlEd21wRzFnd1cxam1IdDBDS0lBVjF4cg?oc=5) · WZTV
- 2026-03-23 [“IT’S ICONIC” Tour To Unite SALT-N-PEPA, TLC, and EN VOGUE for the First Time! - Icon Vs. Icon](https://news.google.com/rss/articles/CBMigAFBVV95cUxPY1dQUHA4NTUzaUpGU2hnMlRsWW5mUm9EM1VKT0tEWGE4TXBkb2ljOERTT3FuWG1oTFRRODY0SGpaMUMzYllCVVRUVHBnQlJaUURXbUpmS1B5clJFUk8tZXhIYUgzd0xLbVQzSmtNRmt3UmZPOFhPMlFSWW81STQ2S9IBhgFBVV95cUxOVHBSalc2eGk4RmpvemJoSUdiUEt5QXhzLTlSaDFmbFNmYnZKMXA1SXZJNTZFZDRNVDg0R3N1alVDVWRhZEZVUDJIamZlb0Y2YlF0OHFrSXl1dk9mMFRCaENkTG41UVkyR1h6S00zbVRmVGJNMUpjS20xY0NvZm5YV3A5S3RvZw?oc=5) · Icon Vs. Icon
- 2026-03-23 [TLC, Salt-N-Pepa & En Vogue Unite for ‘It’s Iconic’ North American Tour - That Grape Juice.net](https://news.google.com/rss/articles/CBMiowFBVV95cUxQSTBjaTVfaTNDTno3S1BJWkEzbnp4SmRLTGRtTWsxakV5VWJTdUN5NndvZEFUYll2SmVNZmNYMmhxclplRTRlUnFpaXBKYlc3MVQ5WjlqdlhCY0swQWFidU12MGJyRGx0TmFsOUw1S1lRZWhiUlpwU3h4NW5ac3JVUlNLc0NnZ2RoTEVwemV4aWdsZTZENXBaM2xYMlRhUWRQZTFF0gGoAUFVX3lxTFB6VG51SHAwVG91d01zUDlRZTRHMG55cEljWUVYcTJ0QUtQQl9tSzBWODRwemhBSUtTNUJuY2VpaXR4Z09pb3duX1RHNndOcDRDQ2ZBRTFNTWlsbTVXZ0FxdW1xQjNwWXFPWnpjSE1YdHNPRDZJM19OTG1aNGU4eGtoVzgzVkpxcExwSzZiWFhSdmZwN1UtYlJtSHNkblpoZWdQRkdWa1hZbg?oc=5) · That Grape Juice.net
- 2026-03-23 [Salt-N-Pepa Unite With TLC and En Vogue for Epic ‘It’s Iconic’ Summer Tour - Rolling Stone](https://news.google.com/rss/articles/CBMioAFBVV95cUxOTjZQVVppZUVJNUkxeU5GUHNsV09TWkZxUjhiM0I2Y3VhTUhia3RvcFRKc1F2YlcxYjdaU1ZhanNlVDFSejU2N2s0OXRGX0l3TExwaEFfTkdaOFpnMmdtRy1NZTVrWmRuTHduU05tRXFLTnZDZUdPeDFwWmxPY2V5WWl6ci1QWXJqWTMtM3h4TFFsQnE2bkJLRm41Zm1DVmlO?oc=5) · Rolling Stone
- 2025-07-16 [Six Quad Cities credit unions unite to support NEST Café - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMikgFBVV95cUxNMGtyYlJpMU5ZOEVYdmdGS0ZzSFBwUXprallvRVg1TjYyV1lJUXU5T3dOLWlheE1oejlJWUhZUGozUGl4Y2l5NHJrT1JOcUNBSXRBdnl6R25nRk0tcHlFTHVzS1VhOVkwNkpQRTFHTkQyc0M4X2RGWHc1YS1nQXhHODRiSlNYWFJWZmRIUzF0OUx4dw?oc=5) · Quad Cities Business Journal
- 2025-12-09 [Amon Amarth, Dethklok Unite for 2026 North American Co-Headlining Run - TicketNews](https://news.google.com/rss/articles/CBMihgFBVV95cUxOQ0NQZHFVVzlnV09oVWVnbnc5NElSa2RDZ01QZDIzcWQweVN6VXhLWU03N3JiQndlSVZDcVFyanlIZG9xNkViR2lVMEpDNkxvS21GaXpuRDJKM0psMFN5TzlUZUR2QWtJcTh4R3F4ajZiSHBpTmotaF9KNnV0MF9yOVZuSUc4UQ?oc=5) · TicketNews
- 2019-03-03 [Forced to rebrand, Iowa credit unions settle on new names - americanbanker.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxON1hTcE1XSUdvZEVUVG1JdF9BaUxUZ09hQkx5cjFiNzRBRTd6N2pjUDRfTXVzY2FtbTA0VWxFbDJqYUJWdjY1V3RjWnJCUXFUa0U2dTBSaUlqX1pMUGVrX2FZU1A2S0gtVlhCU1p3TDU4RnBhajVIVFJmTGtkV0RfajNOSHZaQ0R4dE9vakl0SnN6c2Z0QjAtTmpiazBiVlhmaXhybk9ibEU?oc=5) · americanbanker.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65071 (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/47.json (key "65071", 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=65071
- 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