# IMPERIAL
Springfield, IL · NCUA charter 66300 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/imperial-66300

Who the members are: state charter, organized 1957, low-income designated, minority depository institution. 192 members of 500 potential (38.4% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 6.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $76,971 |
| Members | 192 (-5.0% YoY) |
| Full-time staff | 0 |
| Net worth | $6,763 |
| Net worth ratio | 8.8% (p9 of band) |
| ROA (annualized) | 3.82% (p99 of band) |
| Total delinquency | 11.90% (p98 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 18% (p5 of band) |
| Cash / assets | 83.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.22% (p25 of band) |
| Operating expense / assets | 6.22% (p91 of band) |
| Vehicles % of loans | 0% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 75% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $330 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 6% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $1,125 |
| Loans granted, annualized | $6,000 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 4 | thin capital |  |
| 2016-09 | 4 | losing money | thin capital |
| 2016-12 | 4 | thin capital | delinquency 2x band |
| 2017-03 | 3 | margin squeeze, loan book shrinking | charge-offs p90, losing money, thin capital |
| 2017-06 | 2 |  | loan book shrinking |
| 2017-09 | 4 | thin capital, delinquency 2x band |  |
| 2017-12 | 5 | delinquency rising |  |
| 2018-03 | 3 | charge-offs p90 | margin squeeze, thin capital, delinquency 2x band |
| 2018-06 | 3 | loan book shrinking | delinquency rising |
| 2018-09 | 5 | thin capital, net worth falling |  |
| 2018-12 | 2 |  | loan book shrinking, thin capital, net worth falling |
| 2019-03 | 4 | thin capital, losing money, loan book shrinking | charge-offs p90 |
| 2019-06 | 8 | capital below 7%, net worth falling, margin squeeze |  |
| 2019-09 | 3 |  | loan book shrinking, capital below 7%, net worth falling, margin squeeze |
| 2019-12 | 5 | capital below 7% |  |
| 2020-03 | 1 |  | thin capital, losing money, capital below 7% |
| 2020-06 | 2 | members leaving |  |
| 2020-09 | 5 | thin capital, delinquency 2x band, delinquency rising |  |
| 2020-12 | 8 | capital below 7%, net worth falling |  |
| 2021-03 | 3 | margin squeeze | members leaving, delinquency 2x band, delinquency rising, capital below 7%, net worth falling |
| 2021-06 | 5 | delinquency 2x band, delinquency rising |  |
| 2021-09 | 5 | loan book shrinking | thin capital |
| 2021-12 | 3 |  | margin squeeze, loan book shrinking |
| 2022-03 | 3 |  |  |
| 2022-06 | 1 |  | expense trap, delinquency rising |
| 2022-09 | 4 | net worth falling, expense trap, charge-offs p90 |  |
| 2022-12 | 5 | delinquency rising |  |
| 2023-03 | 4 |  | net worth falling |
| 2023-06 | 5 | assets shrinking, loan book shrinking | delinquency rising |
| 2023-09 | 5 | members leaving | assets shrinking |
| 2023-12 | 5 | delinquency rising | members leaving |
| 2024-03 | 6 | margin squeeze, members leaving | charge-offs p90 |
| 2024-06 | 3 |  | loan book shrinking, delinquency rising, members leaving |
| 2024-09 | 5 | losing money, delinquency rising, charge-offs p90 | margin squeeze |
| 2024-12 | 5 | net worth falling | delinquency rising |
| 2025-03 | 5 | thin capital | losing money |
| 2025-06 | 5 | loan book shrinking | charge-offs p90 |
| 2025-09 | 5 | losing money | loan book shrinking |
| 2025-12 | 3 |  | net worth falling, losing money |
| 2026-03 | 5 | delinquency rising, members leaving |  |

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

- 2025-01-23 [California credit union to buy in-state bank - Banking Dive](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQVVFFX2ZiRS13VG1qRDdtX3lKeGMyZndVTGJocnZOd1Ryall6U3lJTUpTQnVSQ09hc01iSDEyNzItRnhTeV9Fc0lUb0FJZF9YVEFUa2ZsWUpyeEJqWU9JWFlBSF83T1Y4ZUlGcEQzVGh5eDUzbmxxSTd2SWVsazdGNVhMMUR3OFE4N2luWGRIblh1VzR2SklNX1FIYzQ0TWpyVnR1b2VzMmZMTjc3Z3JSa2NabXN2eVJmNEdZZlFlSEVzdlBVcGEtNGg1aDFKX2JNRXlNSHc4NWM?oc=5) · Banking Dive
- 2024-12-31 [54 Hispanic American-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNmt0RG9HN2paQWIzZFhYT1ZrSzJMMFB4RXpMdnRZRThiZUFoLUlDVWJUWmQwYVBTZ3NQNU9JRVJHcG9QZUZuTklnUlc1MzFncHhidzRmc0p6RFRXYm43WlUzT2RvckFKUGNiNEpIU1hzbkozLWtVX2p1V1ZCNVZiNmN4T2lKMXpGU3RVTkpGbWhsa0E0SXZ4WlBUMnVhTFAzcVE?oc=5) · businessinsider.com
- 2025-09-04 [Verne Busse Obituary - San Jose, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxNZ1ViRUNFUExZWDZueEhPX0FPemRuTDRqOVotMTJRdE9GSE5PMkR5dGxxQndzcHRVT3Fyb3FKTzRXSi01V3hHM2ZyZnZnNmd2Y1FVY0FNem84ZW1aQU5vaXhFQkNsSWdiS0NuaGF5U0NpUVN4ZlJLbDd4MkFXazJDZA?oc=5) · Dignity Memorial
- 2017-02-27 [Elvis Costello announces 2017 “Imperial Bedroom & Other Chambers” tour - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMitgFBVV95cUxNQXk5LV84SWpsajV4bzB2NUZ1S0Ezd0JELVpNZzY3N1N5MEJ4UjZiX0FCMTBMaDcydnJZWE9xQ2lra1F1RnA2SFlXNnd3cVU1VWI2RTFVV0xURGtzRkVBNmRVNnQ4b0dtWVJzYWlYal9UNlZBSHNIWTktQUFSbHpidVpZRVZfWG1mR3RsSlBsQVB6ZEV0eklnUndFLVkyUmZ2UWI2bWlIU3BDRlZmR2UtWnpReFNsdw?oc=5) · San Diego Union-Tribune
- 2017-02-27 [Elvis Costello Announces 2017 ‘Imperial Bedroom & Other Chambers’ U.S. Tour Dates - Diffuser.fm](https://news.google.com/rss/articles/CBMic0FVX3lxTFB1X0pjU3BueGJHaGM5NlJaZlBhSk1wZVktYnI5ekxuN21TdWFxWV9SRXpsOHBaUmFpd0dMYnk5QTl3Q2ZyXzg5QVhXT2k2Z1d1dVVjeWNlc1A3dm5wenllejJxOW5UUlBFenB4and3WnNjbWs?oc=5) · Diffuser.fm
- 2024-07-23 [What is Second Chance Banking? Checking Accounts for Bad Credit - businessinsider.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPMWZXbWFncVZWbEZKU0lncjlKekdpSjVXVXlxckt2Nlhmc1FScnVXYnJab2xMcXBCb0dTNFEzUkNNY21ZMEVMUUlmbVFQV2pZQ1l2aHp4NUdGVzBLSHNKR0VkZ0x1Z0w2QnFpbTRTOVI4Rkp0VkdkWk9rMnhtRklBeldFdkZnS0x3Sk4tVmsxTQ?oc=5) · businessinsider.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66300 (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/60.json (key "66300", 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=66300
- 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