# FUNERAL SERVICE
Springfield, IL · NCUA charter 66253 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/funeral-service-66253

Who the members are: state charter, organized 1983. 679 members of 30,000 potential (2.3% of the field); checking penetration 5% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $9.8M |
| Members | 679 (-2.7% YoY) |
| Full-time staff | 2 |
| Net worth | $1.9M |
| Net worth ratio | 19.4% (p72 of band) |
| ROA (annualized) | 0.54% (p48 of band) |
| Total delinquency | 0.81% (p57 of band) |
| Net charge-offs (annualized) | 0.95% (p85 of band) |
| Loans / shares | 113% (p99 of band) |
| Cash / assets | 9.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.02% (p55 of band) |
| Operating expense / assets | 3.60% (p48 of band) |
| Vehicles % of loans | 13% (p9 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% (p16 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 | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 393% |
| Core shares % of member funds | 35% |
| Certificates % of member funds | 61% |
| Average share balance | $9,138 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $29,374 |
| Loans granted, annualized | $3.2M |

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, loans>95% of shares |  |
| 2016-06 | 1 |  | losing money |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, losing money |  |
| 2017-06 | 2 |  | losing money |
| 2017-09 | 3 | losing money |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 1 |  | net worth falling, losing money |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | members leaving |  |
| 2018-12 | 3 | leaning on borrowings |  |
| 2019-03 | 4 | delinquency rising |  |
| 2019-06 | 4 | assets shrinking | leaning on borrowings |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 | net worth falling, leaning on borrowings | delinquency rising, assets shrinking |
| 2020-03 | 4 |  |  |
| 2020-06 | 2 |  | net worth falling, leaning on borrowings |
| 2020-09 | 3 | loan book shrinking |  |
| 2020-12 | 3 | net worth falling, delinquency rising | members leaving, loan book shrinking |
| 2021-03 | 5 | assets shrinking, loan book shrinking |  |
| 2021-06 | 2 |  | net worth falling, assets shrinking, loan book shrinking |
| 2021-09 | 0 |  | loans>95% of shares, delinquency rising |
| 2021-12 | 2 | net worth falling, loans>95% of shares |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | net worth falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | net worth falling |  |
| 2023-06 | 1 |  | net worth falling |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | assets shrinking |  |
| 2024-06 | 3 | members leaving |  |
| 2024-09 | 4 | loan book shrinking |  |
| 2024-12 | 5 | delinquency rising |  |
| 2025-03 | 4 |  | loan book shrinking |
| 2025-06 | 5 | losing money, charge-offs p90, loan book shrinking | members leaving, delinquency rising |
| 2025-09 | 5 | net worth falling, members leaving | assets shrinking, charge-offs p90 |
| 2025-12 | 4 | assets shrinking | loan book shrinking, net worth falling |
| 2026-03 | 1 |  | losing money, members leaving, assets shrinking |

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

- 2026-05-28 [Richard Bowen Jr. Obituary (2026) - Springfield, IL - Walker Funeral Service and Chapel, Inc. - Springfield - Legacy obituary](https://news.google.com/rss/articles/CBMiggFBVV95cUxQamJBWFJGSmxBTjVSVkRfaDY3ZXNDSU52M3pTMEtDaHRMUVFlQ3FYVFNsV0g2aFlxN0k4TTAxcVl4UXoyMzhzU1dfT0lVMEZTN1dUTHRKUXRjdkQ0OUdBeXNULWJ2MXkzLWhqZEx6UTlDaC11YjlVNWxad1VNbWVtT2hR?oc=5) · Legacy obituary
- 2025-11-03 [William F. Ziebell Obituary Nov 3, 2025 - Pagenkopf Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE82YkdBaGhUcmNORWJEWTRvWXVKT1FGUUJ1VmxBUGlFZjJxdnRrN2gyaWVCUHVTNExaVjJaejN0c05WempwaXJHdEQ5OVNQS0ctWXpMUzMySVB1dktreUlJc2NR?oc=5) · Pagenkopf Funeral Home
- 2026-04-30 [John G Bartholomew Obituary (2026) - Chicago, IL - Memory Eternal Funeral Directors, Ltd. - Legacy obituary](https://news.google.com/rss/articles/CBMihgFBVV95cUxOY0djbkF3Rk9SV3p0Ykd6VVZ2akE0dC1MVlJ4M0Z3TEs0Rll1QUlsM3lrSGg0STl5STV3N2ZzQkg4NjVEMGhacDBzVXFMN21LTWgzY01pQTduRkE3ZGtRSTZiWndXcGNPTG5uRWRoY3NDWTZybndLUll6S0k4alE5eDRIbENhZw?oc=5) · Legacy obituary
- 2024-11-22 [James R. Hebermehl Obituary Jan 4, 2019 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMiakFVX3lxTE9Gbl9HNDFhRmtWLWRTSmh3T09zV01lV2NhNDEwXy1ZZFBxMlljelYyLVBrVWQwMzJmcDk5UURDS1g4YzA2XzVuWTI1LXdQMUh3b19IeE5IenNMVE13dnVNbWFKNm5DNFNWUEE?oc=5) · Sunset Funeral Home and Cremation Center
- 2024-09-09 [Helen Denise's Memorial Wall - Ryan Funeral Homes](https://news.google.com/rss/articles/CBMicEFVX3lxTE5vQzZRdWhROHhRQnoxa0tHWXdFdXBoejNPYVJ2M2M3NjJrcWxsM2syNlJMZURFNWRvRkUxODF5dUZ2NElzanE4aDFTOGgxUkxxWjJBd05tZGxKUXVxRmpfeGtjalBzOV9ndVJ0MlpmNTY?oc=5) · Ryan Funeral Homes
- 2025-07-15 [James R. "Jim" Schmitz Obituary Jul 15, 2025 - Cress Funeral and Cremation Services](https://news.google.com/rss/articles/CBMibEFVX3lxTE0tTzRMcERSTFNScFFmYWdEUUJUNXlCbWg0YWp2MHg2WVRfWlBIY005WWZsRDVwUnhGT1ZGdDlMUzZsYllqeWVXQ3c2ZE5MUlpsbEN5bEl6TDdwa0w1c0VqcU1LSzR3S3U5Y2k0aw?oc=5) · Cress Funeral and Cremation Services
- 2021-06-01 [Raymond Nicoski Obituary Jun 1, 2021 - Emblom Brenny Funeral Service](https://news.google.com/rss/articles/CBMib0FVX3lxTE1rMklZS2FlMDhSc1cxZzJHRl94RDlwUVRaRHNVTkZUZEtDN2pTZ1NFWjZwbC1vX2ZRcTJkQzN6X193Ty16NUFRYjJOYUNSVW5yak9CRElJVF9YNy1fcDg2eVUtSmQ0b19McmN2dngtYw?oc=5) · Emblom Brenny Funeral Service
- 2025-04-24 [Jack J. Boccarossa Obituary Apr 24, 2025 - wheelanpressly.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9icnNDTVZ1cm9menNxcnFPcXlocl9mb1NjTUxOMlUyLXVrb3VWcGM4VFkyLTFPWThpN2Rsc2N5enVuZ25mWnhRWDhINlNleld3elRyRGNHRVZKdmQxTVIwMkg5X0JMNGpw?oc=5) · wheelanpressly.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66253 (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/13.json (key "66253", 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=66253
- 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