# ILLINOIS EDUCATORS
Springfield, IL · NCUA charter 65305 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/illinois-educators-65305

Who the members are: state charter, organized 1938, low-income designated. 10,152 members of 150,000 potential (6.8% of the field); checking penetration 33% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $121.4M |
| Members | 10,152 (9.7% YoY) |
| Full-time staff | 17 |
| Net worth | $12.6M |
| Net worth ratio | 10.4% (p31 of band) |
| ROA (annualized) | -0.07% (p8 of band) |
| Total delinquency | 0.67% (p53 of band) |
| Net charge-offs (annualized) | 1.46% (p95 of band) |
| Loans / shares | 93% (p95 of band) |
| Cash / assets | 13.5% |
| Borrowings / assets | 3.91% |
| Net interest margin | 4.07% (p75 of band) |
| Operating expense / assets | 3.30% (p37 of band) |
| Vehicles % of loans | 74% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 73% |
| Third-party paper % of net worth | 435% (p98 of band) |
| Vehicle delinquency | 0.63% (p54 of band) |
| Vehicle NCO | 1.77% (p89 of band) |
| Repossessed % of vehicle book | 0.26% (p89 of band) |
| Real estate % of loans | 15% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 21% |
| Average share balance | $7,212 |
| Participations bought / yr | $0 |
| Participations sold / yr | $1.0M |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $14,791 |
| Loans granted, annualized | $37.9M |

## Participation posture (from the same filings)

Bought $0 and sold $1.0M in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $912,252 sold and retained. Sold in 3 and bought in 0 of the last 8 quarters. Shares 10.7% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | charge-offs p90, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | members leaving |  |
| 2017-06 | 1 |  | auto monoline, members leaving |
| 2017-09 | 1 | 3rd-party paper>100% NW | charge-offs p90 |
| 2017-12 | 2 | auto monoline |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 2 |  | charge-offs p90 |
| 2019-09 | 3 | leaning on borrowings |  |
| 2019-12 | 4 | net worth falling |  |
| 2020-03 | 3 | losing money | leaning on borrowings, net worth falling |
| 2020-06 | 2 |  | losing money |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | delinquency rising |  |
| 2021-03 | 2 |  | delinquency rising |
| 2021-06 | 4 | net worth falling, leaning on borrowings |  |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 2 |  | leaning on borrowings |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 6 | net worth falling, loans>95% of shares, leaning on borrowings |  |
| 2022-09 | 3 |  | net worth falling, loans>95% of shares, leaning on borrowings |
| 2022-12 | 3 | delinquency 2x band | delinquency rising |
| 2023-03 | 3 | delinquency rising | delinquency 2x band |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | losing money |  |
| 2024-06 | 2 |  | losing money |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 4 | net worth falling, leaning on borrowings |  |
| 2025-09 | 6 | delinquency rising, loans>95% of shares |  |
| 2025-12 | 3 |  | net worth falling, leaning on borrowings, delinquency rising |
| 2026-03 | 5 | losing money, delinquency rising, charge-offs p90 | loans>95% of shares |

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

- 2019-09-22 [Illinois Educators Credit Union purchases former Robert Morris building - The State Journal-Register](https://news.google.com/rss/articles/CBMiogFBVV95cUxPX2FrZUJXb1NkaFp3YUs0NElqZDljTHRtd0l2YjljOGtSN1BZcTBoRHdLTmpZclJFV3h4RHRMeFJHTk5kMWNaTUtYVk01VEJqT1ctQ0NmMWJjWFNnTFdjTEFieUwta2YzQ1QtVV9iNFNCS01uLTVubjN1Wjl3eHJ4QlhwUWNuMzNoZ2NHUDRjWlBKR29Va19ab3VpckFEcUF1aHc?oc=5) · The State Journal-Register
- 2026-05-28 [Obituary for Sandra 'Sandy' Sue (Easley) Tanner - nieburfh.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1jUTVua0RMbndSRzZFNnNiN1pnUF9CMXlJQjZycXZpMzdFeGU0QkJuVVZhSkxBT1RkcHhHQmNwTEdKemdyTlZCNWcxSExLM2VBM2F4UFFqektXZmFLVU1MVlNR?oc=5) · nieburfh.com
- 2025-04-26 [Haridas Vakharia Obituary - Springfield, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQbGhPWnB2SzdIVWw4eUxKc1VFV2FIZENrelA1Uk1NVWFaanFrQlVGUVVkQzI0R1JpMm5oWml0MU9JUGJydVNmOG1kMDc5MnIzSm8tRHlOMVBvTFo3aWNSZ2pQRHM4VUstY3NDUVJVUVRPOEdLT1d1ZUZoVVRDcTMxQkRXWHVFTHlEa3ZZ?oc=5) · Dignity Memorial
- 2017-07-19 [Klickna looks back on 44 years in education - The State Journal-Register](https://news.google.com/rss/articles/CBMilgFBVV95cUxNOEZYRmU2YXdKcGFTSjBNdS1zUGZVcEhzampqNDVZbHg2ZXFLeFQ4UFJYblRRRnB0b2dVTUFsb2p3ZktVV0VybllWRkhGQmpYN2dDY2FxSzFqODM0QWJ0VzhBUS1NbHdvS1dQMklwUHFvZks4NXhXQmZXTTZRdThOTTQ5Rk1hWFdIcDhUUHhuMk53R3JrTHc?oc=5) · The State Journal-Register
- 2019-05-03 [Ronald Balder Obituary - Springfield, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPX25CMEd1Qzk5REM3dEJtTmhVVmZRWG1wbjRFMk1kYWNoNlI0NVgtdlhMUllPZkJrX3pxeTdya2I5WEFpTk41ZjZlOWotR3lrY1JMcGxvMnpOeFRFU1ozNDRGaHFiekhJZ2JCblh5bGpWUzV4UkJCUHVnMzZkajdJalJhWmNHM2c?oc=5) · Dignity Memorial
- 2012-04-18 [Devon DOLLARHIDE Obituary (2012) - Houston (Formerly Springfield, Il), MS - The State Journal-Register - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxQSDdLN1hkU01TNFNiSUZhc20xbzJ5RHU1WXVhTHdDZG1XRkp6Tkt0VUpENldIdlVVdjRQcGZKOWhLSWZPN0twWllnWEhEejBFLXJPd0JidzNVNGg1R1lkRmhTVXZqZ3JPSGhLWUtFNndtOW5CbzBqaGlIUnBCc2hoRXZGb1ZURUdBaVZpbA?oc=5) · Legacy obituary
- 2019-03-29 [Springfield man charged in bank robbery - The State Journal-Register](https://news.google.com/rss/articles/CBMilwFBVV95cUxPd3c0VmFoNWRSNml4Um9TZnJzS280TnM3a2YtYV9pOWNZZlFoV2JCaGQ0LUZHOHdrN3JSWDNCT3pMUzFSS1lxa3hMbUt5Q25veF9QOHNPbGJzR1BwanRDUWx2bUxlZ1ZOX0RveDMzSmw1SXdWakRrckhOVmVxSGZXdEdDU2tWLXVuSjVwYjlvS0FhallHU0FV?oc=5) · The State Journal-Register
- 2023-09-17 [Nolan Piper Obituary - Springfield, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxNRUZyb1dWa256ZjZVMmxYYmFwN0kxVkRTbzlzNkdoeDUxYnp1dE81SEp0UlVPTFNvYUJ4RjM0S3V5LUNnUkxXTlpYOFEzWlJJYWg3QndZckFIOFJUcHl5bFIxWmExTWdyLTdoTHNIQl9qWkRZRE12ZXhqT25vdWtfUFBVLXA?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65305 (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/25.json (key "65305", 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=65305
- 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