# TAYLOR
Medford, WI · NCUA charter 66388 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/taylor-66388

Who the members are: state charter, organized 1951. 7,292 members of 224,534 potential (3.3% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 1462.

**Verdict on the desk:** this could be *participation buyer*. 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 | $88.4M |
| Members | 7,292 (-1.8% YoY) |
| Full-time staff | 19 |
| Net worth | $9.0M |
| Net worth ratio | 10.2% (p23 of band) |
| ROA (annualized) | 0.64% (p45 of band) |
| Total delinquency | 0.23% (p23 of band) |
| Net charge-offs (annualized) | 0.05% (p25 of band) |
| Loans / shares | 57% (p44 of band) |
| Cash / assets | 40.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.51% (p41 of band) |
| Operating expense / assets | 3.92% (p63 of band) |
| Vehicles % of loans | 40% (p45 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 33% (p72 of band) |
| Vehicle delinquency | 0.32% (p34 of band) |
| Vehicle NCO | 0.22% (p50 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 15% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 16% |
| Average share balance | $5,566 |
| Participations bought / yr | $2.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $4.2M |
| Loans outstanding per 100 members | 1462% |
| Loans granted per 100 members, annualized | 617% |
| Average loan balance | $423 |
| Loans granted, annualized | $14.6M |

## Participation posture (from the same filings)

Bought $2.3M and sold $0 in the latest annualized quarter; $4.2M outstanding purchased (46.5% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 5.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 3 | net worth falling, losing money, delinquency rising |  |
| 2019-06 | 2 |  | losing money |
| 2019-09 | 0 |  | net worth falling, delinquency rising |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 2 | net worth falling, losing money | delinquency rising |
| 2020-06 | 1 |  | losing money |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 1 | margin squeeze |  |
| 2021-03 | 3 | thin capital, net worth falling |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 | assets shrinking | thin capital, delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | assets shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

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

- 2026-09-05 [Women's boxing trailblazer Katie Taylor to fight at Croke Park with 80,000 fans expected - Daily Jefferson County Union](https://news.google.com/rss/articles/CBMijAJBVV95cUxQSmstV0FxWE04UzVrRHhob3U1MXA4cFRsT3M0aTA4TzlMOGd3UkpsTmVQQ21rQkRfSVAxbm91aW5VVTZuTmJWMTREMFZyd05CeS1yUTRnQUdMMm5JQkMtS0VzMUJld01MVWVXRzJfQXNRMTAyb3NhaDVKUjZTVlBsSHV3ZlFjbFFxd09VS2pKSUQ0Mlc2YzQ0aVhiSERLV1VOc25rdEVPRUI4Mi12TTBWd3BpYXZzcEtSNlBrbjZJOU1uTndTVnRYS05zTE9hQ0QzbFEtNE9PZU91MnhyUkZTSDJFWDJLeVVaQXJhQTg0ZzREQldOOWtqZ2kyYlNIMGIzak1MbUpNRGE5Z0lS?oc=5) · Daily Jefferson County Union
- 2026-07-07 [Royal Credit Union to Launch Small Business Grant program - WEAU](https://news.google.com/rss/articles/CBMikAFBVV95cUxOeWNGMlRiM2hxYjE5eUZpOXRvY251SFBPRWpIVTN3N3NQdF9mZ2JIZ0wyZEFwbE82OXNheWdBV2k0aXNWaDZXOHNoMmxLc0pWRnVzX3JvVXB2T0xYZjdwaXlXbl8zMG5WZV9RT0IxN1lVNmlPb0Y5WHJLNnRPckxfTmExZlVKSjVueWFoNUtqbmTSAaQBQVVfeXFMT3NwVDc5T0pObFFpOFgyWng2ampYTTZpZEcwVlBxYUFKQ21rQlZ2aGpQTmg2NjFpSm43UDZuMTY2RTNxd0FOLTRWMzB2QVpWVW5ick1YQTdKbUtJOHRTaEUxX1ZNYTQ4a01KckRqZDVxck9tcjdydjhlY0l2SG11RUNFREdxOUxFT2gtWC1sVGRId0FOWUNtdExJUDc2QlBGRkY5b1c?oc=5) · WEAU
- 2026-07-05 [Celebrating America’s 250th at the Terrace - UW–Madison News](https://news.google.com/rss/articles/CBMickFVX3lxTE9POWtNQTFRQlM2cWZ2TnVSbzhtejh4dThFN201dWVTR1p4SHRLVjdaZWh6NnJIZkZ4d05KS0gwYjA4M0U4WkJiS2YtWm90WEpKUjNvQmJ3SnJaVmF1aUpRcGJyWWI4cl8yZEhxTXFETGJNQQ?oc=5) · UW–Madison News
- 2026-06-03 [Daniel Ray Brost 1955-2026 - centralwinews.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOWUJPUXpjYjNUYzBFSlFUZDhJZFl1SVZ5WlJ0NldPS2U5VU5sdEstZVBWaHRvMDNVaXB0SWNoNzdjN1J4OG5wM25yTWVvMDV5Qkp2Mm4yeE1TWERIak5wUlc1UzFfcHBKbWdZVHN6VWFrMXNuU29yLWJxVHJXb1NwMWdLR3gyVl9ONkF6QlBMLTdBai12aTI5eGpsS21vUVE2anVyOFpjbDU?oc=5) · centralwinews.com
- 2026-06-08 [Green Lake seniors receive nearly $1M in scholarships - Ripon Commonwealth Press](https://news.google.com/rss/articles/CBMizwFBVV95cUxNWm1DcjFZcWczU1FLel9OSUZha3hzWC1sVGxqNHBDNVZmYy1BWWxTMFI0eGppQlc5c0gzTjI5NWl1eU9XQ0FPTFNhYVE2eWphUm5iWWllS2M4N2hnbm9LSDRMNE5jeGlmT1lxdnMxTXZaOURjLVpBM2hNZnRFVzNKdHdJdUtUWXF2SU1Rc3NtQnJHMlBpSzl3a01oUENkeVZISGdKU3N4U1RfTnBtNzdUWHNvLTBFU0x3dHNTRHlnVzlqWmJyNDMxNkRqWTZnams?oc=5) · Ripon Commonwealth Press
- 2026-08-04 [Best HELOC Lenders of September 2026 - NerdWallet](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBqVGZCbzY5QjIySGlidkZ2TklQRFJrWGNzZDFUWUVmU1ByNEVlS0pfTjdCcEJhVGZWWFRKTnRsSzRXZ09MeUFhM1h1VnA0V1pNdWZ2ZnNNSUxiNVMtLXUwMUgyWVV5dw?oc=5) · NerdWallet
- 2025-10-06 [Michael Diercks Obituary (2025) - Wisconsin Rapids, WI - Herman-Taylor Funeral Home - Wisconsin Rapids - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxONHRDN0hDOTRQNkxVNjlUN0pQbnQzQ04tckprd0Fha2NBcUJBbTdRM2l3OGhkWURNU3I3ZWtlSjlUSkVHOXZqanNDZktHY0hLeTM0aG9naW92V2VWR1piN0xKakp0blZvLXpSZ3AyNlNPa0FsMzFNSzRQS3lXUnhOTThheDI?oc=5) · legacy.com
- 2026-05-11 [15 summer 2026 concerts skipping Wisconsin worth the road trip - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQRUxwRXR6WU9vZWVyaWFoZTVFMlA2SmpFb3pEWVdxbFBQTk84RXdKSUVMYkFCdlhFeGJsRGN1TUtUbm16Nm1kdEdsUUZLeGF6VjRzTGlqZElWNWViMG9oNHI1TzhuVVM4RTY1ckJkZDQxN09zN2liM0xLV0lSQldPaTFwVVdHekJZS2lZUGxBUi1TcGxyWU5DTWxmeVFnTmFDYUNMWE1xNjc2QmNiVnlOQmQwalJ3bmFCLXpibzlWMFZKNFJROGxxV1RQdC1uS1JlU3lz?oc=5) · Milwaukee Journal Sentinel

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66388 (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/20.json (key "66388", 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=66388
- 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