# KASKASKIA VALLEY
Centralia, IL · NCUA charter 65988 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/kaskaskia-valley-65988

Who the members are: state charter, organized 1982, low-income designated. 3,462 members of 4,613 potential (75.0% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 2492.

**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 | $29.0M |
| Members | 3,462 (-3.8% YoY) |
| Full-time staff | 11 |
| Net worth | $2.3M |
| Net worth ratio | 8.0% (p5 of band) |
| ROA (annualized) | -0.54% (p15 of band) |
| Total delinquency | 1.55% (p72 of band) |
| Net charge-offs (annualized) | 0.85% (p83 of band) |
| Loans / shares | 66% (p62 of band) |
| Cash / assets | 34.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.96% (p85 of band) |
| Operating expense / assets | 7.02% (p94 of band) |
| Vehicles % of loans | 69% (p62 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 8% (p89 of band) |
| Vehicle delinquency | 1.36% (p71 of band) |
| Vehicle NCO | 0.53% (p81 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 89% |
| Certificates % of member funds | 10% |
| Average share balance | $4,290 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $174,892 |
| Loans outstanding per 100 members | 2492% |
| Loans granted per 100 members, annualized | 435% |
| Average loan balance | $202 |
| Loans granted, annualized | $7.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $174,892 outstanding purchased (7.6% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 8.6% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 4 | capital below 7% |  |
| 2016-12 | 2 |  | capital below 7% |
| 2017-03 | 6 | capital below 7%, losing money, margin squeeze |  |
| 2017-06 | 7 | net worth falling |  |
| 2017-09 | 6 | delinquency rising | margin squeeze, net worth falling |
| 2017-12 | 4 | assets shrinking | capital below 7%, delinquency rising |
| 2018-03 | 5 | capital below 7% | losing money |
| 2018-06 | 5 |  |  |
| 2018-09 | 2 |  | assets shrinking, capital below 7% |
| 2018-12 | 3 | assets shrinking |  |
| 2019-03 | 5 | capital below 7%, charge-offs p90 | assets shrinking |
| 2019-06 | 2 |  | capital below 7%, charge-offs p90 |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 5 | capital below 7%, net worth falling |  |
| 2020-09 | 2 |  | capital below 7%, net worth falling |
| 2020-12 | 3 | margin squeeze |  |
| 2021-03 | 5 | capital below 7% |  |
| 2021-06 | 6 | net worth falling |  |
| 2021-09 | 3 |  | capital below 7%, net worth falling |
| 2021-12 | 5 | delinquency rising, members leaving, loan book shrinking | margin squeeze |
| 2022-03 | 5 |  |  |
| 2022-06 | 5 | assets shrinking | delinquency rising |
| 2022-09 | 5 | delinquency rising | loan book shrinking |
| 2022-12 | 3 |  | assets shrinking, delinquency rising |
| 2023-03 | 2 |  | members leaving |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | thin capital |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 6 | net worth falling, losing money, expense trap, delinquency 2x band, delinquency rising |  |
| 2025-06 | 4 |  | losing money, delinquency rising |
| 2025-09 | 5 | thin capital, losing money | delinquency 2x band |
| 2025-12 | 6 | delinquency rising |  |
| 2026-03 | 7 | delinquency 2x band, members leaving | delinquency rising |

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

- 2024-05-10 [New CEO of Kaskaskia Valley Community Credit Union introduced - southernillinoisnow.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQRklRbGRkTUw4ZzNKMGx3aTZPSzVRQXFFdHRhcVhDZTJRYlhKY25ZT2FhT05QSV9hOW5iUzhvdzNVRFVTcks2cE1Fa3pkU1ZDT09YMDNPNmJ2aEFnY0lKMEx0TTZET1V1RjJnMGtETjE4V1RYR1FXMENLc3MyRi0yampEN2JWUXU1SjVSYThoWE8tVmZ5MkVWUVlRVUlSSjFGZzJ5d21VdGQ?oc=5) · southernillinoisnow.com
- 2024-07-29 [1st installment of Marion County Property Tax Bills is due Tuesday - southernillinoisnow.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxOTlNkTG5TcEtCeVJFdGVmei0yNUg0OXpqRm5yd3B2WHNSeGk5c1hFQ0tVZGZ6MmtyemhUU3FoSnVMT1pwQkh3dGlMNDRNeGNDdUxrYXVkdFlOMFBPM0x0TXQzSDBSaW9fT2Z2Vzhma05sdTBjeTI4MEhVck1QXzRVUHFYNWdHVnpLTUVtbWtrNFB0VjV5V19NbjFza0J4bVQwTmhkZEx2RWlvY2hPOTZF?oc=5) · southernillinoisnow.com
- 2025-07-17 [Payment for first installment of 2024, Payable 2025 Marion County Property Taxes Due Next Thursday - southernillinoisnow.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOTUpEdUswTzVweUZWWXBZaWU2RF9oMm5yN2Z0a055MDRaVlhSTnNUakpNY3oxZTl2SXZQU1RZdGRzSHBJRmVvWjRhbk5uWHhnenlieGZSamZzT3QtbHh1LWM0cmRMcWVremdkRkZseFNmM05VNHpaZTZBajZWNWFkTFVCVFdBc2trZE5FZlNxTUZVcFpmTUFMNnRaYVF2SG9NcUhhYTZWeXpBZzFLZmk3TkNWeFJ2QXYwVUVBWC1ZcnR4d1NGVHNaLXZ6N0pjTFk5TGNJeDFLOFc?oc=5) · southernillinoisnow.com
- 2023-07-25 [Thursday final day to pay 1st installment of Marion County property tax bills - southernillinoisnow.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9fWnFadVEtSGN3T0VCQkhLem9GckRSZVFMb2w0d2ZZSnNzR1ltSFo5MmpZMktzTWZMTWk2TVdSOXJIcXJuRktTWHIzQXBaRE5Ha05UWmgxVFdkaVlaTWdN?oc=5) · southernillinoisnow.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65988 (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/4.json (key "65988", 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=65988
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide