# ROCKFORD BELL
LOVES PARK, IL · NCUA charter 65955 · asset band <$50M · latest filing 2024-09 · stopped filing after 2024-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/rockford-bell-65955

Who the members are: state charter, organized 1935. 3,377 members of 556,066 potential (0.6% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *quiet fade*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $36.4M |
| Members | 3,377 (-5.0% YoY) |
| Full-time staff | 15 |
| Net worth | $5.0M |
| Net worth ratio | 13.8% (p47 of band) |
| ROA (annualized) | 0.06% (p22 of band) |
| Total delinquency | 0.27% (p34 of band) |
| Net charge-offs (annualized) | 0.05% (p38 of band) |
| Loans / shares | 106% (p97 of band) |
| Cash / assets | 4.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.83% (p49 of band) |
| Operating expense / assets | 4.83% (p79 of band) |
| Vehicles % of loans | 46% (p30 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% (p15 of band) |
| Vehicle NCO | 0.10% (p57 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 4% |
| Average share balance | $5,504 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $19,128 |
| Loans granted, annualized | $7.3M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 | losing money | delinquency 2x band |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling, members leaving | losing money |
| 2017-06 | 0 |  | net worth falling, members leaving |
| 2017-09 | 1 | losing money |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2018-06 | 0 |  | losing money, delinquency 2x band, delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | loans>95% of shares |  |
| 2020-03 | 1 | losing money | loans>95% of shares |
| 2020-06 | 4 | net worth falling, members leaving, leaning on borrowings |  |
| 2020-09 | 5 | margin squeeze |  |
| 2020-12 | 4 |  | losing money |
| 2021-03 | 5 | losing money |  |
| 2021-06 | 4 | delinquency rising | members leaving, losing money |
| 2021-09 | 3 |  | delinquency rising |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 1 | delinquency rising | net worth falling, leaning on borrowings |
| 2022-09 | 2 | assets shrinking |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | losing money |  |
| 2023-06 | 3 | loans>95% of shares | delinquency rising |
| 2023-09 | 2 |  | losing money |
| 2023-12 | 4 | losing money, delinquency rising |  |
| 2024-03 | 4 | members leaving | losing money |
| 2024-06 | 3 |  | delinquency rising |
| 2024-09 | 3 |  |  |

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

- 2025-04-22 [Consumers Credit Union selects Lumin’s digital banking platform ahead of proposed Rockford Bell merger - FinTech Futures](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOQXJTUUw4aDExLV84dno2RnM2SFJKY0hoVlNXME9ENlRBSWlKbkUxYjVpRTNQMXRNSFFTV1hMNmlCb3ZRUm00TGhORC0wd2N6SXJuaFhRNnlObWVzbU80V21TRHloZ0llSWZjSkttX294SkVWZnZUZC1JaTdCSWRZTUFnTWJSZFhWaHJsNHA3Y2lNemRoR0s2c2RHb3RpeW1PUWdfUEd6WEhya2hRN0VoRWZ0T0ZLQmFhdUU3cGt1b21ZRms1cWV2cTR4eVZtcktNX2VIQjFBX2JfSkppdUlmc0VqMA?oc=5) · FinTech Futures
- 2018-04-09 [Rockford Bell Credit Union Branch At Guilford High School Opens This Fall - Northern Public Radio](https://news.google.com/rss/articles/CBMiygFBVV95cUxOQW9PNFBzS1RBaFJ4dHJfVHRwLXpkQVRxR2pRQTVhalhMTE9vRGtVNWZTYTV0TFdQQ0kyRkxBR1pUQVI4N2dvTlByWEV0bXN4LXkyQ2ZWVkRrNUNONS1mRjBQeTd6ZWhldllFUWl1enZmMnJLNUswRUE4dHJpOVpoVU9aU0FDMERURVZWdmJLbUNWWHVCX1JNdzd6NGtmb1hydW9uMklrNy11MTFOTm1DR0Q5S2J4Q3RqYnpHQi14ejllT2pCLVNrcTVR?oc=5) · Northern Public Radio
- 2024-04-03 [Suburban credit union merging with two smaller rivals - Crain's Chicago Business](https://news.google.com/rss/articles/CBMingFBVV95cUxPWXpuZ2FMa21lU2hUenBkWk8wNWlhQU5uUGF6RjVydVFoOWNjOXpPMjdwakVtbEtnTko2VmxFUTJxV3N5bkt5dGM0SkkzNDhjbV9rVmV6VGZFazN0Zl9kSXlhRWEwWnBBeEJ4dk5xQWJEYnMxa0dhU3k4aHgzeTU1dEg1RjMzbmlZQlZGbVF4VFdDdWdUTnJTbHNpWldGdw?oc=5) · Crain's Chicago Business
- 2014-06-10 [Bank robbery: High-risk crime, little reward - Rockford Register Star](https://news.google.com/rss/articles/CBMilwFBVV95cUxOTTFDODl3WWxWOXFoSGVjQUxPQW9ydVB0NVRxNldpVmZDamc3OV9LMDlNOXVLc3lZaWRYeXp5aXRoSzRkMnRDZFJ5dmg4MnhISnVKRUtHUndneUx0b1RNRW16b0EySDFxeEZSd0JYcTVtdHFUTEF3ZEVPYmw4SVBLY0ZOemNWUXlwNzB3cGRqX2dZLVVjTm5n?oc=5) · Rockford Register Star
- 2024-04-16 [Downtown Mt. Morris building destroyed in afternoon fire - Shaw Local](https://news.google.com/rss/articles/CBMirwFBVV95cUxQMWsyVnNTM1h4aktUX2o3dmZiWVRDYXpocjlXSTZ3YlVYTEdTVmgyZDJsTEZIcDlTUTFEZ1BiSTNfU3N2ZnVxaGVxRWVsZHl0c20xYnBXR1hYbHJjRXB5T0FITm9YWmxlMjVQVzZxYmZ2cktlS3ljbXFjMVhBNVhXcVB5X0xCN1hsT2NLSjhjcWZOZ21LUmFaT04tMDdDYnUwWUxMbUduamFGVXhtT05J?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65955 (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/35.json (key "65955", 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=65955
- 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