# B.E.A.
Bethalto, IL · NCUA charter 65759 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/b-e-a-65759

Who the members are: state charter, organized 1954. 423 members of 1,000 potential (42.3% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 40.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.3M |
| Members | 423 (-1.4% YoY) |
| Full-time staff | 0 |
| Net worth | $634,821 |
| Net worth ratio | 27.1% (p90 of band) |
| ROA (annualized) | 0.56% (p50 of band) |
| Total delinquency | 1.99% (p78 of band) |
| Net charge-offs (annualized) | -0.04% (p16 of band) |
| Loans / shares | 99% (p96 of band) |
| Cash / assets | 29.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.40% (p70 of band) |
| Operating expense / assets | 4.03% (p61 of band) |
| Vehicles % of loans | 80% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.13% (p81 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 19% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,935 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $9,798 |
| Loans granted, annualized | $468,456 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)
- **loans>95% of shares** (`str_ltos`)
- **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 | 4 | delinquency 2x band, loans>95% of shares |  |
| 2016-09 | 2 |  | delinquency 2x band, loans>95% of shares |
| 2016-12 | 4 | net worth falling, delinquency 2x band |  |
| 2017-03 | 1 |  | charge-offs p90, net worth falling, delinquency 2x band |
| 2017-06 | 1 |  |  |
| 2017-09 | 4 | delinquency 2x band, delinquency rising, loans>95% of shares |  |
| 2017-12 | 5 | assets shrinking |  |
| 2018-03 | 1 |  | delinquency 2x band, delinquency rising, loans>95% of shares, assets shrinking |
| 2018-06 | 3 | assets shrinking, loans>95% of shares |  |
| 2018-09 | 5 | delinquency 2x band, delinquency rising, leaning on borrowings | assets shrinking |
| 2018-12 | 5 |  |  |
| 2019-03 | 7 | losing money, assets shrinking |  |
| 2019-06 | 10 | net worth falling, charge-offs p90, loan book shrinking |  |
| 2019-09 | 7 |  | delinquency rising, leaning on borrowings, net worth falling |
| 2019-12 | 7 |  |  |
| 2020-03 | 7 |  |  |
| 2020-06 | 7 | net worth falling | loans>95% of shares |
| 2020-09 | 7 |  |  |
| 2020-12 | 6 |  | assets shrinking |
| 2021-03 | 7 | members leaving |  |
| 2021-06 | 6 | assets shrinking | net worth falling, members leaving |
| 2021-09 | 6 | margin squeeze, members leaving | losing money, assets shrinking |
| 2021-12 | 4 |  | charge-offs p90, members leaving |
| 2022-03 | 4 | delinquency rising | loan book shrinking |
| 2022-06 | 7 | losing money, charge-offs p90, members leaving |  |
| 2022-09 | 4 |  | delinquency rising, losing money, charge-offs p90 |
| 2022-12 | 4 | assets shrinking | margin squeeze |
| 2023-03 | 5 | loans>95% of shares |  |
| 2023-06 | 6 | leaning on borrowings |  |
| 2023-09 | 3 |  | delinquency 2x band, members leaving, assets shrinking |
| 2023-12 | 4 | assets shrinking |  |
| 2024-03 | 4 | members leaving | assets shrinking |
| 2024-06 | 7 | delinquency 2x band, assets shrinking, loan book shrinking |  |
| 2024-09 | 5 |  | delinquency 2x band, loan book shrinking |
| 2024-12 | 7 | delinquency 2x band, delinquency rising, loan book shrinking | leaning on borrowings |
| 2025-03 | 7 |  |  |
| 2025-06 | 6 |  | loan book shrinking |
| 2025-09 | 5 |  | members leaving |
| 2025-12 | 7 | charge-offs p90, loan book shrinking |  |
| 2026-03 | 7 | net worth falling, margin squeeze | delinquency rising, charge-offs p90 |

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

- 2026-01-02 [Hyde Park: a year in review - Hyde Park Herald](https://news.google.com/rss/articles/CBMitwFBVV95cUxNZ2tVUmZIU0V1X1VNUGY3aWtZd09NZ2Qza3I3TU5rdTQyZGJCanZ2V0tzRUd6NlVoVjl2STVXTldvSy1ldUc5R1E3dzYzeTU5N2g3b1dib3Y1N2ZrYUJ6ajk5ZVZuVzBzQl9KeGJCSVZUSWNoOHBkMkplUU9SQlBiU3otSHNpZWItLVp0Q0tHZ3psTjR3Z1R1S0gtcExPT0VkbV9uZWp3NDJyRWoxT3R3V2tVM0xEZkE?oc=5) · Hyde Park Herald
- 2012-11-01 [Darrell Franklin (1936–2012) of Bethalto, IL | Obituary - RiverBender.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQZ3FHZnEwZi1nZnA0T2E1UWdCN0dLUU9hSWk1dlY5OFpOOTVqWFFZa2pRcm0tNjVHZ2hraDdFMVdLN21hRjV5VTdVV3c5Znk0TVlhUUplVXBFTFpXLUJ2dUUxVHExcmhGSGlVT0R0N3Nsa3ViV2JUUDhHM1g4SXBKbHNtOHZsMF9IandmQVJLM20?oc=5) · RiverBender.com
- 2022-10-27 [Larry Coverstone Obituary - Davenport, IA - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOZ1dEWnVVVmFnV3JnY3RXaFNXMldWU2E1SG45UVBvWGlKZ1FPQW1LNnlQQXdHTEhjekhhaDkwY1Q1Tlp0SVdjTWRjWi1mMXFxdHdqVE9vOVZTTnZobUNhOUFVTXBQbGMydzhOSFc5emNkaTdibjhvUGg0VXN4VF9yMGxMeHl1MS1s?oc=5) · Dignity Memorial
- 2023-09-22 [Bea Miller Announced Headlining North American Tour - celebrityaccess.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNdXZibW9RYXp2b2pzb1FFdkZQRkJWTUhQc0ZJT20wQ19RVnZpRE42cVNBZlk3c1g3SkJwQVgzUmxaVlJrTkFvVDFwcDh5alhQMUs4dHBUS2tvZ3hKWGdIcmVKYnlPc19MSkNRV1M3WmJzYnctbW5wTzBETE94ZzJZSHQxZG5FUzBDdWhkRXVVWDhNeXcxX2c?oc=5) · celebrityaccess.com
- 2015-05-19 [Walter Ahlemeyer (1927–2015) of Brighton, IL | Obituary - RiverBender.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNRFJHWFplVm4yZW83dzdRNTMtTVhVMDRpTUs3Wm1OZUp0RWp2c3NNMlhoa3R6bUtsbEhUUjU4NV8teHVfdnVvVl8yaGZBdVh4Mnotd0Vmd3U1RFFCQS1NQXpIYkxqamxIbmJTeC1pTUU5YWtWOFNLUWJTNVUtamhwcTRHSkRrdnZuMnFNQU1HcUdSWjA?oc=5) · RiverBender.com
- 2009-11-15 [Beatrice Kuzba Obituary (2009) - LOMBARDI, WI - Milwaukee Journal Sentinel - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOTmNMb0RaUDMyUWdQbGpSQm4tanhMeldiSTBfZnZORURUUVZzdnd4U2xNU3h3Q01ISUVIUEtaMmpOUkxfeUE2MEk1M2N3T3h4ZTBfYmxYem1LNmlDMDdNLXczTmd0cUNTUGZXYlh0dDBzMWZWdEVWcmQtc2dnbmVYMENWa294TXlPWEowQmpn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65759 (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/31.json (key "65759", 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=65759
- 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