# ELECTRICAL WORKERS
Collinsville, IL · NCUA charter 65962 · asset band <$50M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/electrical-workers-65962

Who the members are: state charter, organized 1938. 677 members of 3,000 potential (22.6% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 17.

**Verdict on the desk:** this could be *auto monoline*. 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 | $2.2M |
| Members | 677 (– YoY) |
| Full-time staff | 0 |
| Net worth | $196,130 |
| Net worth ratio | 8.7% (p18 of band) |
| ROA (annualized) | -1.52% (p5 of band) |
| Total delinquency | 0.29% (p27 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 53% (p48 of band) |
| Cash / assets | 30.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.36% (p26 of band) |
| Operating expense / assets | 3.92% (p66 of band) |
| Vehicles % of loans | 77% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,975 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 17% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $9,237 |
| Loans granted, annualized | $698,852 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, auto monoline |  |

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

- 2026-06-21 [The Workers’ Mic (6/21/26): The Workers’ Mic talk about why the IL AFL-CIO chose not to endorse a candidate - WGN Radio 720](https://news.google.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?oc=5) · WGN Radio 720
- 2025-10-18 [LC to Host Fall Career Fair - RiverBender.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQQ3pnbFBiM1NZV0Z6T1h2VXV6SGg4eV8zZDhrNHlHZzF3bmR0aElQZldpaGxqVzVzcngyWERTVG5wcjg3a21GcVBGWGN5QWIyd2hGUWc5SGZCTkl1VFlBWWxqaUhTbDQ2UnphYkRjWElndWFoQXdtd3hjYjQ3M3ZIR3Z5aEcxMkxSUTVUeFo1R21yU21BYTg5RlBOcw?oc=5) · RiverBender.com
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 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
- 2026-03-01 [The Workers’ Mic (3/1/26): The Workers’ Mic talk with the Midwest Coalition of Labor Credit Union about a new promotion - WGN Radio 720](https://news.google.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?oc=5) · WGN Radio 720
- 2026-03-29 [The Workers’ Mic (3/29/26): The Workers’ Mic talk with the Mid-Illinois Labor Council and Teamsters Local 727 - WGN Radio 720](https://news.google.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?oc=5) · WGN Radio 720
- 2023-02-26 [The Workers’ Mic (2/26/23) – Casey Martin, Midwest Coalition of Labor Credit Union - WGN Radio 720](https://news.google.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?oc=5) · WGN Radio 720
- 2024-07-07 [The Workers’ Mic (7/7/24) – The Workers’ Mic talk to a Walmart worker in the process of union organizing - WGN Radio 720](https://news.google.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?oc=5) · WGN Radio 720

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65962 (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/42.json (key "65962", 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=65962
- 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