# BETHEL A.M.E. CHURCH
Chicago, IL · NCUA charter 65680 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bethel-a-m-e-church-65680

Who the members are: state charter, organized 1974, minority depository institution. 88 members of 150 potential (58.7% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 0.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $51,328 |
| Members | 88 (-1.1% YoY) |
| Full-time staff | 0 |
| Net worth | $9,060 |
| Net worth ratio | 17.6% (p65 of band) |
| ROA (annualized) | -1.34% (p8 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | 0% (p0 of band) |
| Cash / assets | 101.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.24% (p65 of band) |
| Operating expense / assets | 5.58% (p86 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $480 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

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

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

- 2026-07-08 [State Rep. Carol Ammons indicted in scheme to receive kickbacks, misusing campaign funds - Capitol News Illinois](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPN3FYeXpGVmgzd3RaWmtWNXJCTml6OWhmb0xrQzRpa2NaLWhaU0ZSSkl5dlNPQnRwN3NpV2FEYUJrZmd3NnVtRFppZGF0SXJSQVBnbkZGYkdkOFAtZklxTGpsMW0xcXVJZTRFM1V1R2FBZmotQ3QwT2tmd3MzX0NWNWJzMEpMRkV2REYyME5Ma3EtdkY4UVFDcXFtMWNBZDZnVW5aTGg4aGhrcWNoV1FKMElDWFFZa2RJcVJqaGY2MTN6cHc?oc=5) · Capitol News Illinois
- 2012-03-18 [Parishioners honor a passionate man of the cloth - Baltimore Sun](https://news.google.com/rss/articles/CBMikwFBVV95cUxNZlV0M09pSHgxTEZkaDBNOTlaeVVPYVhETVV4cGNRM1Nxb29DcEJLaEdpT3VvTm1RUXpRbncyc1pyQWp4cnI4Sk9mMjNmQWVHN1l0TFFvaGpYYTBxcDYzN0lGRG4xWkRIQnFwdHFtY3dKQ0p4U0xKdWpXWU4zRjdHdnVWbVFSbk1QejhHT3dzSm5QODA?oc=5) · Baltimore Sun

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65680 (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/16.json (key "65680", 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=65680
- 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