# CENTRAL ILLINOIS
champaign, IL · NCUA charter 65186 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/central-illinois-65186

Who the members are: state charter, organized 1948, low-income designated. 3,552 members of 20,000 potential (17.8% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $25.7M |
| Members | 3,552 (1.1% YoY) |
| Full-time staff | 7 |
| Net worth | $3.1M |
| Net worth ratio | 12.0% (p31 of band) |
| ROA (annualized) | 0.98% (p69 of band) |
| Total delinquency | 1.67% (p74 of band) |
| Net charge-offs (annualized) | 4.96% (p98 of band) |
| Loans / shares | 52% (p42 of band) |
| Cash / assets | 51.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.86% (p49 of band) |
| Operating expense / assets | 4.30% (p66 of band) |
| Vehicles % of loans | 91% (p97 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.61% (p75 of band) |
| Vehicle NCO | 4.60% (p97 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 92% |
| Certificates % of member funds | 2% |
| Average share balance | $3,810 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $9,521 |
| Loans granted, annualized | $4.2M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2026-07-14 [New credit union under construction - springfieldbusinessjournal.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQOFVOUm9HRHZkXzd2Z0RUdlg3UU1OYzdob25vZlZzUGxvM09vSERibmNLaE5TRDhBUmNkTlNIQlkzWk4zVk9CVkxVQ0IwT3plc1g4NlowbVBCMi1kaElNaVpDOGVVa2pVMWx0djI2Ym1VdnVJR0RnaXZ2S19YQmdFYXVvS1FWNURJTHhBLW10T0Q?oc=5) · springfieldbusinessjournal.com
- 2026-07-15 [1st MidAmerica Credit Union expands to Springfield with new full-service branch - Illinois Business Journal](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPX1BCRENvYVZ4STc0bjBDdHZJWFdLWHZzQ3lSRnYwbkJWSW15WnNBY3E4NWdjcjlqZGNjUW5aZ3NhRE9hTW0wTElFcGZleVROQVd4VXpFZXFpUkd6U1BILTdBaVcyeGZrd1FZU2lRZ293d3N6UWwwdWNoWWJ4eUhRQkd0UTJvME5Md1FsTkNmY3habU9WSDRQblFzTVQ4X2tNU0dEMUpmZE1hN1lLZ04ya2ZBNWR5ODVpQV9DaklDQnlDUQ?oc=5) · Illinois Business Journal
- 2025-02-04 [Champaign's Central Illinois Credit Union plans to expand to Mahomet - The News-Gazette](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPZzBZYWFjeHNuTHU1by1mQ2RLUGIxcTFaU0pRVTVXV3JNYVJWT0ZCQXFydER1Yll4UmVuWTFONl9FSVVLbGxfb1RvdVVZUnhPZkhjX2hidEpaYUc1bE1OZVpCanVZM1ZJbkRRYzVUX3pkdE9WSjJpelVIckYzempUSnZfalh4N0ZjWFJhNTcyUF9TWXJmazhHM2E0dVdDWGMzYnFjOG4tNE9CSUJ4SmQ1VzlHUm04QXdPLWxWSWVLYXc3Z2FsVTNsNGxYTHp2YkVjQ3h3d0MzRWcwdHNwSDhpUWdoSUh1bExHQUVF?oc=5) · The News-Gazette
- 2026-06-18 [Troxell acquires Springfield insurance agency - The State Journal-Register](https://news.google.com/rss/articles/CBMitwFBVV95cUxNMjlhY3JwdV9TOTJ4cHZXeVZ3YmU3ZkJTX2g4UlFORzE0WWZUOU14cDhSVXhHY3hWYmx2WnhTNDIwSjVoQVVUY18xTHNyZERXZFNhcHc3UkxhV01JTDg1dXFEaGt2cHYxd2VENnBzNjdvNkF0Sko0U1RpS0VYYTUwaFlQYUMzMmhXT2tkT1pPXzhhbGhhOUtnWUw1c0tQMVQ4Mlp2WFJkY0lyMGc4aW84VHY2Mm0wcVk?oc=5) · The State Journal-Register
- 2026-06-27 [Beyond the Boardroom: Happ Realty's Caryn Happ - The News-Gazette](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQdWpTc3laeHBtbGxEeTlRT2pLQU1lTThTYTBLZ0wwblhOcUI1a2pLU0NEYW1qdmMxT1cxVjZld2lSOEFnd2owNDBjQnhLbkhXUjhXRWxaQmt6ZWt4WU5ualN4dmFyUjU1R01fUENtcklGdUhaY003eUdGWmV0MXhqNkxWSElONTRhNnNDZVhEWGVsRXVtM2NaLVZObVNSZWU2LVExM2tlU2tSQ1Z4WWpHckNTaE5KQ3BZdER3MmlsSGk1ZTJDbDJLZm5TVTFpMDdfcENkMFRpeDM?oc=5) · The News-Gazette
- 2022-03-17 [New Land of Lincoln location now open in Springfield - CUInsight](https://news.google.com/rss/articles/CBMimAFBVV95cUxNdEJRbVVYLUM0VmJDS2hnMGZyaGNpYnZCQzBfenMwS0ozUXZ5cjFrRVZXREg2N1dERXUxeWxQNHJNclgxUEYxQmJDcXMybmVZbkNSa3JqNUQwWEk1WkJZdkY0Z0I3TTdZOHFacGRxMl9UVk5kRjh2a1UxSW1jaWYyY1pXVTB6RnM5blJvWVhTS1VBa2UxN3NvUA?oc=5) · CUInsight
- 2018-03-28 [U Of I Community Credit Union Merges With Credit Union Serving Carle Employees - Illinois Public Media](https://news.google.com/rss/articles/CBMisgFBVV95cUxPYTMxV09hb3FGMWc1N1FZQkJ2TVNEMS1tNGlITVBKZmMyby1iMWNkNWpGMllhTkJEN0REM3JkdkVTRmhUd2pZZjR2Q2c3Zlktd203YklMUkxLQXkyUlBfNGppeFlhcDlrYllhYlMzZHc2YU5wWS1sRG9Vb20wMEFVVWJoNnRURnU1MTBlVFBKNDd0V1RTWTRPa2ZsNWM1RjRkUi1kQmhZanlFLWttajFPc3R3?oc=5) · Illinois Public Media
- 2024-05-08 [UPDATE: CEFCU says debit cards are working again - CIProud.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQVjF1Ql9tc01HTDBHeTBGejhVZXJadktwVU5HQWxuQUVVOW5lUlhiNDg2NHljeTBMSG1CbFl1eWc5cUtVZnYyOEdtamt4Z3RxbjRnWXBtVkdXUkR3dS13alg0WWxtOHNUQWpJeTVuQVRVNlZOeHNnLWpjYWtWVzJpS0Rycmp2dDZWMnUwU3FSQdIBlAFBVV95cUxON24zNFFqTGRhSzJBU29aeFlOclJQZ01pcHdhRHRZRFV0MERSSEt3WWR0N2p4VkN2TVphVTJBcGNhaG1OUGNuQUVYa2tfNlk3cWRrVFVmdlBEQVlXc2JHVnhzbVZWNE9sY08wY0tEcktTSHdsZzhJQ0dkUWxDcy1PZXZlZ1lpbGFBVFloX0N5My12VUUz?oc=5) · CIProud.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65186 (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/34.json (key "65186", 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=65186
- 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